????:1????????:????app????

2??????????

3???????

4??????????

5???????????

???????????1?????????????????31?? ??????????:????(??????? SARB)???????30??25??7.5%,???????????????2024?????9?????????????

??????6??????4:2???????????????????????????,????,?????????????

???,?,??????????????????????????????,?;?“?????,????????????????”??,????????????

?????????,?????????????,????????????????????2024?????12?????????????,???????????????5%??3%,?????,??????????15??,????????????????,????????4.5%??????,???????????

????????????,?????,????,?????????(????????????????????????????)?????

????????????,???????

??????????,??????????40?????????0.38%;????????????????2.42%?????10.575%?(?????????????????????) ????????:?????????