{"id":28337,"date":"2023-07-03T10:43:51","date_gmt":"2023-07-03T06:43:51","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/ra-upiratesoba-aqvs-sesxis-larshi-agebas\/"},"modified":"2026-01-27T18:27:21","modified_gmt":"2026-01-27T14:27:21","slug":"ra-upiratesoba-aqvs-sesxis-larshi-agebas","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/finansuri-ganatleba\/ra-upiratesoba-aqvs-sesxis-larshi-agebas\/","title":{"rendered":"\u10e1\u10d4\u10e1\u10ee\u10d8 \u10da\u10d0\u10e0\u10e8\u10d8: \u10e0\u10d0 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d4\u10d1\u10d8 \u10d2\u10d4\u10da\u10dd\u10d3\u10d4\u10d1\u10d0\u10d7 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8?"},"content":{"rendered":"\n<p>\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d3\u10d2\u10d4\u10d1\u10d0 \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8, \u10e0\u10dd\u10ea\u10d0 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\u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d2\u10d4\u10eb\u10da\u10d4\u10d5\u10d0\u10d7. \u10e3\u10db\u10d7\u10d0\u10d5\u10e0\u10d4\u10e1\u10d0\u10d3, \u10d4\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10da\u10d8\u10db\u10d8\u10e2\u10e1\u10d0 \u10d3\u10d0 \u10d5\u10d0\u10d3\u10d0\u10e1 \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0; <strong>200 \u10d0\u10d7\u10d0\u10e1 \u10da\u10d0\u10e0\u10d0\u10db\u10d3\u10d4<\/strong> \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 (\u10d2\u10d0\u10e0\u10d3\u10d0 \u10d8\u10db \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d8\u10e1\u10d0, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d4\u10db\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3 \u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8 \u10d0\u10db\u10d0\u10d5\u10d4 \u10d2\u10d0\u10db\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10da\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7 200 000 \u10da\u10d0\u10e0\u10e1 \u10d0\u10e6\u10d4\u10db\u10d0\u10e2\u10d4\u10d1\u10d0 \u10d0\u10dc \u10d7\u10e3 \u10d8\u10db\u10d0\u10d5\u10d4 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d3\u10d4\u10de\u10dd\u10d6\u10d8\u10e2\u10d8\u10d7 \u10d0\u10e0\u10d8\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10da\u10d8). \u10d0\u10db\u10d0\u10e1\u10d7\u10d0\u10dc, \u10d0\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8 \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0\u10d7 <strong>240 \u10d7\u10d5\u10d4\u10db\u10d3\u10d4<\/strong> \u10d2\u10d0\u10d3\u10d0\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10dd\u10d7, \u10d7\u10e3 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d4\u10e0\u10dd\u10d5\u10dc\u10e3\u10da \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d2\u10d0\u10e5\u10d5\u10d7 (\u10db\u10d0\u10e8\u10d8\u10dc, \u10e0\u10dd\u10ea\u10d0 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d5\u10d0\u10d3\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10e3\u10db\u10d8 <strong>120 \u10d7\u10d5\u10d4\u10d0<\/strong>).<\/p>\n\n\n\n<p>\u10e1\u10ee\u10d5\u10d0\u10d7\u10d0 \u10e8\u10dd\u10e0\u10d8\u10e1, \u10db\u10d0\u10e8\u10d8\u10dc\u10d0\u10ea, \u10e0\u10dd\u10ea\u10d0 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10e4\u10d0\u10e1\u10d4\u10d1\u10da\u10d0\u10d3 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d8\u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d0, \u10da\u10d0\u10e0\u10e8\u10d8 \u10db\u10d4\u10e2\u10d8 \u10ec\u10d8\u10da\u10d8\u10e1 \u2014 <strong>50%-\u10db\u10d3\u10d4<\/strong> \u2014 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d0 \u10ee\u10d3\u10d4\u10d1\u10d0; \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d9\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 30%-\u10db\u10d3\u10d4 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0\u10d7. \u10d0\u10e1\u10d4 \u10e0\u10dd\u10db, \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10da\u10d0\u10e0\u10e8\u10d8 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10e1\u10d0\u10e1 \u10db\u10d4\u10e2\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0\u10e1\u10d0\u10ea \u10e8\u10d4\u10eb\u10da\u10d4\u10d1\u10d7 (\u10d8\u10db \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d3\u10d0, \u10e0\u10dd\u10ea\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8\u10ea \u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d8\u10ea \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d2\u10d0\u10e5\u10d5\u10d7).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10d4\u10da\u10d8<\/h2>\n\n\n\n<p>\u10da\u10d0\u10e0\u10e8\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d0\u10e6\u10d4\u10d1\u10d0\u10e1 \u10e1\u10ee\u10d5\u10d0 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d4\u10d1\u10d8\u10ea \u10d0\u10e5\u10d5\u10e1. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d7\u10e3\u10d9\u10d8 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d0 \u10e3\u10d9\u10d5\u10d4 \u10d2\u10d0\u10e5\u10d5\u10d7 \u10d3\u10d0 \u10d1\u10d8\u10dc\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10d4\u10dc\u10d0\u10d3 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8, \u10d0\u10dc\u10e3 <strong>\u10d7\u10d0\u10dc\u10d0\u10db\u10dd\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10dd\u10d1\u10d0<\/strong> \u10d2\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0\u10d7, \u10d1\u10d0\u10dc\u10d9\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e3\u10eb\u10e0\u10d0\u10d5\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 85%-\u10db\u10d3\u10d4 \u10e8\u10d4\u10db\u10dd\u10d2\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d7 \u10e1\u10d4\u10e1\u10ee\u10d0\u10d3 (\u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 70%-\u10db\u10d3\u10d4 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8).<\/p>\n\n\n\n<p>\u10d3\u10d0 \u10d1\u10dd\u10da\u10dd\u10e1 \u2014 \u10da\u10d0\u10e0\u10e8\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d0\u10e6\u10d4\u10d1\u10d8\u10e1\u10d0\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d2\u10d0\u10e5\u10d5\u10d7, \u10d0\u10d8\u10e6\u10dd\u10d7 Offset \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8. . \u10d4\u10e1 \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d2\u10d0\u10eb\u10da\u10d4\u10d5\u10d7, \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 \u10e8\u10d4\u10dc\u10d0\u10e2\u10d0\u10dc\u10d8 \u10e8\u10d4\u10d0\u10db\u10ea\u10d8\u10e0\u10dd\u10d7 \u2014 \u10d0\u10db\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 Offset \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d6\u10d4 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10d0\u10d0 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd &#8211; \u10e0\u10d0 \u10d7\u10d0\u10dc\u10ee\u10d0\u10ea \u10d2\u10d4\u10e5\u10dc\u10d4\u10d1\u10d0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d6\u10d4, \u10d8\u10db\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d3\u10d4\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8 \u10e8\u10d4\u10d2\u10d8\u10db\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0\u10d7 (\u10d0\u10e0\u10d0\u10e3\u10db\u10d4\u10e2\u10d4\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 50%-\u10e1\u10d0). \u10d4\u10e1 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0 \u10d9\u10d8 \u10d9\u10d5\u10da\u10d0\u10d5\u10d0\u10ea \u10d0\u10e0 \u10d4\u10ee\u10d4\u10d1\u10d0 \u10db\u10d0\u10d7, \u10d5\u10d8\u10dc\u10ea \u10e1\u10d4\u10e1\u10ee\u10e1 \u10e3\u10ea\u10ee\u10dd\u10e3\u10e0 \u10d5\u10d0\u10da\u10e3\u10e2\u10d0\u10e8\u10d8 \u10d8\u10e6\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<p>\u10d7\u10e3\u10db\u10ea\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d6\u10d4\u10db\u10dd\u10d7 \u10d5\u10d0\u10ee\u10e1\u10d4\u10dc\u10d4\u10d7, \u10d7\u10d8\u10d7\u10dd\u10d4\u10e3\u10da\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10e3\u10da\u10d8\u10d0, \u10d0\u10db\u10d8\u10e2\u10dd\u10db, \u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d8 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0, \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d0\u10e6\u10d4\u10d1\u10d0\u10db\u10d3\u10d4 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e0\u10d7\u10d0\u10dc \u10d0\u10dc \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2 \u10dd\u10e4\u10d8\u10ea\u10d4\u10e0\u10d7\u10d0\u10dc \u10d9\u10dd\u10dc\u10e1\u10e3\u10da\u10e2\u10d0\u10ea\u10d8\u10d0 \u10d3\u10d0 \u10d7\u10e5\u10d5\u10d4\u10dc\u10d7\u10d5\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d3\u10d4\u10e2\u10d0\u10da\u10d8 \u10d2\u10d0\u10d8\u10d0\u10e0\u10dd\u10d7.<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"\u10d2\u10d0\u10d8\u10d2\u10d4\u10d7, \u10e0\u10d0 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0 \u10d0\u10e5\u10d5\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10da\u10d0\u10e0\u10e8\u10d8 \u10d0\u10e6\u10d4\u10d1\u10d0\u10e1. \u10d3\u10d0\u10d8\u10ea\u10d0\u10d5\u10d8\u10d7 \u10d7\u10d0\u10d5\u10d8 \u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10e0\u10d8\u10e1\u10d9\u10d4\u10d1\u10d8\u10e1\u10d2\u10d0\u10dc, \u10d8\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d4\u10d7 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10da\u10d8\u10db\u10d8\u10e2\u10d8\u10d7, \u10db\u10dd\u10e5\u10dc\u10d8\u10da\u10d8 \u10d5\u10d0\u10d3\u10d8\u10d7 \u10d3\u10d0 Offset \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10d7. \u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7 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