????:1????98?:????????

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???????1??????????????15????????????????? (????? ?????)????15?,????????????2025??????????,????12?????????????????????

??,??????????????????3?,???6000??????????????????(??????????,?)??,??????????????1???,??500????

??,??2?????????????????????????????????????????????????????????????????????????????12????????,?15%????1??,???3?????????,??2000???

????????,2024??????1-11??????????????44.3?,???????????????3.5%,???1.3??????????

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