Resources for Commercial Tenants and Landlords
Businesses are currently struggling to pay rent. At the same time, many landlords are also struggling to pay property loans while their incomes have been drastically reduced.
The Economic Recovery Task Force has formed a work group on reducing commercial evictions, focusing on technical assistance for landlords and tenants and identifying effective actions at the state and federal level.
We encourage both landlords and tenants to reach out to us to identify needs as we work to develop more assistance.
Frequently Asked Questions
ŠŃŠ»Šø Š¾Š½Šø Š½Šµ Š¼Š¾Š³ŃŃ Š²Š½Š¾ŃŠøŃŃ Š°ŃŠµŠ½Š“Š½ŃŃ ŠæŠ»Š°ŃŃ, Š¼Š½Š¾Š³ŠøŠµ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Š¾ŠæŠ°ŃŠ°ŃŃŃŃ Š²ŃŃŃŠæŠ°ŃŃ Š² ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼Šø. ŠŠµ Š·Š°Š±ŃŠ“ŃŃŠµ Š·Š°Š²ŠµŃŠøŃŃ ŃŠ²Š¾ŠøŃ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ¾Š² Š² ŃŠ¾Š¼, ŃŃŠ¾ Š²Ń ŃŠµŠ½ŠøŃŠµ ŠøŃ Š±ŠøŠ·Š½ŠµŃ, ŃŃŠ¾ Š²Ń Š¶ŠµŠ»Š°ŠµŃŠµ ŠøŠ¼ ŃŃŠæŠµŃ Š°, Šø ŃŃŠ¾ Š²Ń Š³Š¾ŃŠ¾Š²Ń ŃŠ¾ŃŃŃŠ“Š½ŠøŃŠ°ŃŃ Ń Š½ŠøŠ¼Šø, ŃŠæŠ¾ŃŠ¾Š±ŃŃŠ²ŃŃ ŠøŃ ŃŃŠæŠµŃ Ń. ŠŃŠ¾ Š¼Š¾Š¶ŠµŃ ŠæŠ¾Š¼Š¾ŃŃ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼ Š²ŃŃŃŠæŠøŃŃ Š² ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ.
ŠŠµ Š·Š°Š±ŃŠ“ŃŃŠµ ŃŠµŠ³ŠøŃŃŃŠøŃŠ¾Š²Š°ŃŃ ŃŠ²Š¾Šø ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃ Š² ŠæŠøŃŃŠ¼ŠµŠ½Š½Š¾Š¼ Š²ŠøŠ“Šµ. ŠŃŠ»Šø Š²Ń Š¾ŃŠæŃŠ°Š²Š»ŃŠµŃŠµ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃ ŠæŠ¾ ŃŠ»ŠµŠŗŃŃŠ¾Š½Š½Š¾Š¹ ŠæŠ¾ŃŃŠµ, ŃŠµŠŗŠ¾Š¼ŠµŠ½Š“ŃŠµŃŃŃ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°ŃŃŃŃ ŃŃŠ½ŠŗŃŠøŠµŠ¹ ŠæŠ¾Š“ŃŠ²ŠµŃŠ¶Š“ŠµŠ½ŠøŃ ŠæŃŠ¾ŃŃŠµŠ½ŠøŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠ¹ (Ā«read receiptĀ»).
Š ŠµŠŗŠ¾Š¼ŠµŠ½Š“ŃŠµŃŃŃ ŃŠ°ŠŗŠ¶Šµ ŃŠŗŠ°Š·ŃŠ²Š°ŃŃ Š² Š¾ŃŠæŃŠ°Š²Š»ŃŠµŠ¼ŃŃ Š²Š°Š¼Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ ŃŠ»ŠµŠŗŃŃŠ¾Š½Š½ŃŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃŃ Š“Š°ŃŃ Šø Š²ŃŠµŠ¼Ń Š²Š°ŃŠµŠ³Š¾ ŃŠµŠ»ŠµŃŠ¾Š½Š½Š¾Š³Š¾ Š·Š²Š¾Š½ŠŗŠ° Šø ŠæŠ¾Š»ŃŃŠµŠ½Š½ŃŠ¹ Š²Š°Š¼Šø Š¾ŃŠ²ŠµŃ (Š½Š°ŠæŃŠøŠ¼ŠµŃ, ŃŠ¾Ń ŃŠ°ŠŗŃ, ŃŃŠ¾ Š²Ń Š¾ŃŃŠ°Š²ŠøŠ»Šø Š·Š°ŠæŠøŃŠ°Š½Š½Š¾Šµ ŃŠµŃŠµŠ²Š¾Šµ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠµ, ŃŃŠ¾ ŠæŠ°Š¼ŃŃŃ Š“Š»Ń Š·Š°ŠæŠøŃŠø ŃŠµŃŠµŠ²ŃŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠ¹ Š±ŃŠ»Š° ŠæŠµŃŠµŠæŠ¾Š»Š½ŠµŠ½Š° Šø Ń.Ā Šæ.).
ŠŃŠµŠ³Š“Š° ŃŠ»ŠµŠ“ŃŠµŃ Š½Š°ŃŠøŠ½Š°ŃŃ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Ń ŃŠ¾Š³Š¾, ŃŃŠ¾ Š²Š°Š¼ Š“ŠµŠ¹ŃŃŠ²ŠøŃŠµŠ»ŃŠ½Š¾ Š½ŠµŠ¾Š±Ń Š¾Š“ŠøŠ¼Š¾ ā ŃŃŠøŃŃŠ²Š°Ń ŃŠ¾, ŠŗŠ°ŠŗŃŃ ŠæŠ¾Š“Š“ŠµŃŠ¶ŠŗŃ Š¼Š¾Š¶ŠµŃ ŠæŠ¾Š»ŃŃŠøŃŃ Š²Š°ŃŠµ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠµ, Š° Š½Šµ ŃŠ¾, ŃŠµŠ³Š¾, ŠæŠ¾ Š²Š°ŃŠµŠ¼Ń Š¼Š½ŠµŠ½ŠøŃ, Š¼Š¾Š³Š»Š° Š±Ń ŠæŠ¾Š¶ŠµŠ»Š°ŃŃ ŠøŠ»Šø ŃŠ°ŃŃŠ¼Š°ŃŃŠøŠ²Š°Š»Š° Š±Ń ŠŗŠ°Šŗ ŃŠ°Š·ŃŠ¼Š½Š¾Šµ ŠæŃŠµŠ“Š»Š¾Š¶ŠµŠ½ŠøŠµ Š“ŃŃŠ³Š°Ń ŃŃŠ¾ŃŠ¾Š½Š°. Š£Ā Š“ŃŃŠ³Š¾Š¹ ŃŃŠ¾ŃŠ¾Š½Ń Š±ŃŠ“ŠµŃ Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŃ Š¾ŃŠ²ŠµŃŠøŃŃ… Š² ŃŃŠ¾Š¼ Šø Š·Š°ŠŗŠ»ŃŃŠ°ŃŃŃŃ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ!
ŠŠ±ŃŃŠ“ŠøŃŠµ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŠµŠ¼ ŃŠ²Š¾Šµ Š½ŃŠ½ŠµŃŠ½ŠµŠµ ŠæŠ¾Š»Š¾Š¶ŠµŠ½ŠøŠµ Šø ŃŠ²Š¾Šø ŠæŠ»Š°Š½Ń Š²Š¾Š·Š¾Š±Š½Š¾Š²Š»ŠµŠ½ŠøŃ Š“ŠµŃŃŠµŠ»ŃŠ½Š¾ŃŃŠø ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃ. ŠŃŃŠ³Š°Ń ŃŃŠ¾ŃŠ¾Š½Š° ŠæŠ¾Š¶ŠµŠ»Š°ŠµŃ ŃŠ·Š½Š°ŃŃ, ŠŗŠ°ŠŗŠøŠµ Š¼ŠµŃŃ Š²Ń ŠæŃŠøŠ½ŠøŠ¼Š°ŠµŃŠµ Š“Š»Ń ŃŠ¾Š³Š¾, ŃŃŠ¾Š±Ń ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŃŃ Š“ŠµŃŃŠµŠ»ŃŠ½Š¾ŃŃŃ Šø Š“Š¾Š±ŠøŃŃŃŃ ŃŃŠæŠµŃ Š° Š² Š±ŃŠ“ŃŃŠµŠ¼. ŠŃŠ¾Š¼Šµ ŃŠ¾Š³Š¾, ŃŠ°ŠŗŠøŠµ ŃŠ²ŠµŠ“ŠµŠ½ŠøŃ ŠæŠ¾Š¼Š¾Š³ŃŃ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼ Š² Ń Š¾Š“Šµ ŠøŃ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŠ¾Š² Ń ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ°Š¼Šø.
ŠŃ Š“Š¾Š»Š¶Š½Ń ŃŠµŃŠøŃŃ, Ń ŃŃŠµŃŠ¾Š¼ Š²Š°ŃŠµŠ¹ Š¾ŃŠµŠ½ŠŗŠø ŃŠ²Š¾ŠµŠ³Š¾ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃ Šø ŃŠ¼ŠµŠ½ŃŃŠµŠ½ŠøŃ Š²Š°ŃŠøŃ Š“Š¾Ń Š¾Š“Š¾Š², ŃŠŗŠ¾Š»ŃŠŗŠ¾ Š²Ń ŃŠ¼Š¾Š¶ŠµŃŠµ ŠæŠ»Š°ŃŠøŃŃ Š·Š° Š°ŃŠµŠ½Š“Ń.
ŠĀ ŃŠøŃŠ»Ń Š½Š°ŠøŠ»ŃŃŃŠøŃ Š¼ŠµŃŠ¾Š“Š¾Š², Š¾ ŠŗŠ¾ŃŠ¾ŃŃŃ ŃŠ¾Š¾Š±ŃŠ°ŃŃ Š“ŃŃŠ³ŠøŠµ Š²Š»Š°Š“ŠµŠ»ŃŃŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ Šø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø, Š¾ŃŠ½Š¾ŃŠøŃŃŃ ŃŠ¾Š³Š»Š°ŃŠ¾Š²Š°Š½ŠøŠµ ŃŃŠµŃ Š¼ŠµŃŃŃŠ½Š¾Š¹ Š¾ŃŃŃŠ¾ŃŠŗŠø ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ ā ŃŠ¾ ŠµŃŃŃ ŠæŃŠµŠ“Š¾ŃŃŠ°Š²Š»ŠµŠ½ŠøŠµ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼ Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŠø Š·Š°ŠæŠ»Š°ŃŠøŃŃ Š·Š° ŃŃŠø Š¼ŠµŃŃŃŠ° Š°ŃŠµŠ½Š“Ń ŠæŠ¾ŃŠ»Šµ ŃŠ¾Š³Š¾, ŠŗŠ°Šŗ ŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃ Š¾ŃŠŗŃŠ¾ŃŃŃŃ ŃŠ½Š¾Š²Š°.
ŠŠµŠŗŠ¾ŃŠ¾ŃŃŠµ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø, ŃŠ°ŃŠæŠ¾Š»Š°Š³Š°ŃŃŠøŠµ Š“Š¾ŃŃŠ°ŃŠ¾ŃŠ½ŃŠ¼Šø ŃŠøŠ½Š°Š½ŃŠ¾Š²ŃŠ¼Šø ŃŃŠµŠ“ŃŃŠ²Š°Š¼Šø, Š“Š¾ŠæŃŃŠŗŠ°ŃŃ Š±ŠµŃŠæŠ»Š°ŃŠ½ŃŃ ŠøŠ»Šø ŃŠ“ŠµŃŠµŠ²Š»ŠµŠ½Š½ŃŃ Š°ŃŠµŠ½Š“Ń Š² ŃŠµŃŠµŠ½ŠøŠµ ŃŃŠµŃ Š¼ŠµŃŃŃŠµŠ² Ń ŠæŠ¾ŃŠ»ŠµŠ“ŃŃŃŠøŠ¼ ŠæŠ¾Š³Š°ŃŠµŠ½ŠøŠµŠ¼ Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š¾ŃŃŠø.
ŠŠµŠŗŠ¾ŃŠ¾ŃŃŠµ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø ŃŃŠøŃŃŠ²Š°ŃŃ, ŃŃŠ¾ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Š½Šµ ŃŠ¼Š¾Š³ŃŃ ŠæŠ¾Š³Š°ŃŠøŃŃ ŃŃŠµŃ Š¼ŠµŃŃŃŠ½ŃŃ Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š¾ŃŃŃ ŃŃŠ°Š·Ń ŠæŠ¾ŃŠ»Šµ ŃŠ¾Š³Š¾, ŠŗŠ°Šŗ ŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃ Š¾ŃŠŗŃŠ¾ŃŃŃŃ, Šø Š³Š¾ŃŠ¾Š²Ń ŃŠ¾Š³Š»Š°ŃŠ¾Š²Š°ŃŃ ŃŃŠ»Š¾Š²ŠøŃ Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠø ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø Š¾ŃŃŠ°ŃŃŠµŠ³Š¾ŃŃ ŃŃŠ¾ŠŗŠ° Š°ŃŠµŠ½Š“Ń.
ŠŠ»Š°Š“ŠµŠ»ŃŃŠ°Š¼ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø ŠæŃŠµŠ“Š»Š°Š³Š°Š»ŃŃ ŃŃŠµŠ·Š²ŃŃŠ°Š¹Š½ŃŠ¹ Š·Š°ŠµŠ¼ Š“Š»Ń Š¼Š°Š»ŃŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ (SBA), ŠæŠ¾Š¼Š¾Š³Š°ŃŃŠøŠ¹ ŠæŃŠ¾ŠøŠ·Š²Š¾Š“ŠøŃŃ ŠæŠ»Š°ŃŠµŠ¶Šø. Š Š½Š°ŃŃŠ¾ŃŃŠµŠµ Š²ŃŠµŠ¼Ń ŃŃŠµŠ“ŃŃŠ²Š° Š² ŃŠ°Š¼ŠŗŠ°Ń ŃŃŠ¾Š¹ ŠæŃŠ¾Š³ŃŠ°Š¼Š¼Ń ŃŠ¶Šµ ŠæŠ¾Š»Š½Š¾ŃŃŃŃ ŃŠ°ŃŠæŃŠµŠ“ŠµŠ»ŠµŠ½Ń, Š½Š¾ ŠŠ¾Š½Š³ŃŠµŃŃŠ¾Š¼ ŃŠ¶Šµ ŃŃŠ²ŠµŃŠ¶Š“ŠµŠ½Š¾ Š½Š¾Š²Š¾Šµ ŃŠ°ŃŠæŃŠµŠ“ŠµŠ»ŠµŠ½ŠøŠµ ŃŠ°ŠŗŠøŃ ŃŃŠµŠ“ŃŃŠ². ŠŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼ ŃŠµŠŗŠ¾Š¼ŠµŠ½Š“ŃŠµŃŃŃ Š¾Š±ŃŃŠ“ŠøŃŃ Ń Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°ŃŃŠøŠ¼Šø ŠøŃ Š±Š°Š½ŠŗŠ°Š¼Šø Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŃ Ā«Š±ŃŃŃ Š½Š° Š¾ŃŠµŃŠµŠ“ŠøĀ» ŠæŠ¾ Š¼ŠµŃŠµ Š“Š°Š»ŃŠ½ŠµŠ¹ŃŠµŠ³Š¾ ŃŠ°ŃŠæŃŠµŠ“ŠµŠ»ŠµŠ½ŠøŃ ŃŠøŠ½Š°Š½ŃŠ¾Š²ŃŃ ŃŃŠµŠ“ŃŃŠ².
ŠŃ ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŠµŠ¼ ŃŠ»ŠµŠ“ŠøŃŃ Š·Š° ŠæŠ¾ŃŠ²Š»ŠµŠ½ŠøŠµŠ¼ Š½Š¾Š²ŃŃ ŠæŠ¾ŃŠµŠ½ŃŠøŠ°Š»ŃŠ½ŃŃ ŃŠµŃŃŃŃŠ¾Š² Šø ŠæŃŠ±Š»ŠøŠŗŠ¾Š²Š°ŃŃ Š½Š° Š½Š°ŃŠµŠ¼ ŃŠ°Š¹ŃŠµ ŃŠ²ŠµŠ“ŠµŠ½ŠøŃ Š¾Š± ŠøŠ·Š¼ŠµŠ½ŠµŠ½ŠøŃŃ , Š·Š°ŃŃŠ°Š³ŠøŠ²Š°ŃŃŠøŃ Š·Š°ŠøŠ½ŃŠµŃŠµŃŠ¾Š²Š°Š½Š½ŃŠµ ŃŃŠ¾ŃŠ¾Š½Ń.
ŠŠ¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŃ Š²Š½ŠµŃŠµŠ½ŠøŃ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ Š·Š°Š²ŠøŃŠøŃ Š¾Ń ŃŠæŠ¾ŃŠ¾Š±Š½Š¾ŃŃŠø ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠ¾Š³Š¾ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃ ŃŃŠ½ŠŗŃŠøŠ¾Š½ŠøŃŠ¾Š²Š°ŃŃ (ŠæŃŠ¾Š“Š°Š²Š°ŃŃ). Š Š°Š·Š¼ŠµŃ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ Š² ŃŠ°ŃŃŠµŃŠµ Š½Š° ŠŗŠ²Š°Š“ŃŠ°ŃŠ½ŃŠ¹ ŃŃŃ Š°ŃŠµŠ½Š“ŃŠµŠ¼Š¾Š¹ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø Š·Š°Š²ŠøŃŠøŃ Š¾Ń ŃŃŠ¼Š¼Ń ŠæŃŠ¾Š“Š°Š¶ Š² ŃŠ°ŃŃŠµŃŠµ Š½Š° ŠŗŠ²Š°Š“ŃŠ°ŃŠ½ŃŠ¹ ŃŃŃ. ŠŃŠ»Šø Š¾Š±ŃŠµŠ¼ ŠæŃŠ¾Š“Š°Š¶ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ Š½Šµ Š²Š¾Š·ŃŠ°ŃŃŠµŃ Š“Š¾ ŃŃŠ¾Š²Š½ŠµŠ¹, Š½Š°Š±Š»ŃŠ“Š°Š²ŃŠøŃ ŃŃ Š“Š¾ Š½Š°ŃŠ°Š»Š° ŠæŠ°Š½Š“ŠµŠ¼ŠøŠø, Š¾Š½Šø Š½Šµ ŃŠ¼Š¾Š³ŃŃ Š²Š½Š¾ŃŠøŃŃ Š°ŃŠµŠ½Š“Š½ŃŃ ŠæŠ»Š°ŃŃ Š² ŃŠ¾Š¼ ŃŠ°Š·Š¼ŠµŃŠµ, Š² ŠŗŠ°ŠŗŠ¾Š¼ Š¾Š½Šø ŠµŠµ Š²Š½Š¾ŃŠøŠ»Šø Š“Š¾ Š²ŃŃŃŠæŠ»ŠµŠ½ŠøŃ Š² ŃŠøŠ»Ń ŃŠŗŠ°Š·Š° Ā«ŠŃŃŠ°Š²Š°Š¹ŃŠµŃŃ Š“Š¾Š¼Š°Ā». ŠĀ ŃŃŠ¾ Š²ŠµŃŠ½Š¾ Š² Š¾ŃŠ½Š¾ŃŠµŠ½ŠøŠø Š»ŃŠ±ŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹. Š£ŃŠøŃŃŠ²Š°Ń Š²Š¾Š·Š¼Š¾Š¶Š½ŃŠ¹ Š¾Š±ŃŠµŠ¼ ŠæŃŠ¾Š“Š°Š¶ ŠæŠ¾ Š¾ŠŗŠ¾Š½ŃŠ°Š½ŠøŠø Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ, Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼ ŃŠ»ŠµŠ“ŃŠµŃ Š½Š°Š±Š»ŃŠ“Š°ŃŃ Š·Š° ŠøŠ·Š¼ŠµŠ½ŠµŠ½ŠøŃŠ¼Šø Š¾Š±ŃŠµŠ¼Š° ŠæŃŠ¾Š“Š°Š¶ Šø ŃŃŠøŃŃŠ²Š°ŃŃ ŃŠ»ŠµŠ“ŃŃŃŠøŠµ ŃŠ°ŠŗŃŠ¾ŃŃ.
- ŠŠµŠ¾Š±Ń Š¾Š“ŠøŠ¼Š¾ ŠæŠ¾Š“Š“ŠµŃŠ¶ŠøŠ²Š°ŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠ¾Šµ ŠøŃŠæŠ¾Š»ŃŠ·Š¾Š²Š°Š½ŠøŠµ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø ā ŠæŃŃŃŃŃŃŠøŠµ ŠæŠ¾Š¼ŠµŃŠµŠ½ŠøŃ Š±ŃŃŃŃŠ¾ ŃŠ°Š·ŃŃŃŠ°ŃŃŃŃ, Š² ŃŠ²ŃŠ·Šø Ń Š½ŠøŠ¼Šø ŃŠ½ŠøŠ¶Š°ŠµŃŃŃ ŃŠµŠ½Š½Š¾ŃŃŃ Š°ŃŠµŠ½Š“Ń Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø Šø ŃŠ¼ŠµŠ½ŃŃŠ°ŃŃŃŃ Š¾Š±ŃŠµŠ¼Ń ŠæŃŠ¾Š“Š°Š¶, Š° ŃŃŠ¾ Š½ŠµŠ±Š»Š°Š³Š¾ŠæŃŠøŃŃŠ½Š¾ Š¾ŃŃŠ°Š¶Š°ŠµŃŃŃ Š½Š° Š¾Š±ŃŠøŃ Š±Š»Š°Š³Š¾ŠæŠ¾Š»ŃŃŠøŠø Šø Š¶ŠøŠ·Š½ŠµŃŠæŠ¾ŃŠ¾Š±Š½Š¾ŃŃŠø ŃŠ°Š¹Š¾Š½Š°, Š² ŠŗŠ¾ŃŠ¾ŃŠ¾Š¼ Š½Š°Ń Š¾Š“ŠøŃŃŃ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŃ.
- Š Š°ŃŃŠ¼Š¾ŃŃŠøŃŠµ Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŃ Š·Š°Š¼ŠµŠ½Ń, Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŃŃŠµŃ Š¼ŠµŃŃŃŠµŠ², ŃŠµŠ³ŃŠ»ŃŃŠ½ŃŃ Š°ŃŠµŠ½Š“Š½ŃŃ ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ ŠæŃŠ¾ŃŠµŠ½ŃŠ½ŃŠ¼Šø Š“Š¾Š»ŃŠ¼Šø Š¾Š±ŃŠµŠ¼Š¾Š² ŠæŃŠ¾Š“Š°Š¶, Š² ŃŠ¾ Š¶Šµ Š²ŃŠµŠ¼Ń Š½Š°Š±Š»ŃŠ“Š°Ń Š·Š° ŠøŠ·Š¼ŠµŠ½ŠµŠ½ŠøŃŠ¼Šø Š¾Š±ŃŠµŠ¼Š° ŠæŃŠ¾Š“Š°Š¶ Šø ŃŠ¾Š³Š»Š°ŃŠ¾Š²ŃŠ²Š°Ń ŃŠ°Š·Š¼ŠµŃ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ Ń ŃŠ°ŠŗŃŠøŃŠµŃŠŗŠøŠ¼Šø Š“Š¾Ń Š¾Š“Š°Š¼Šø ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹.
- Š”Š¾ŃŃŃŠ“Š½ŠøŃŠ°Š¹ŃŠµ Ń Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼Šø Š² ŃŠ¾Š¼, ŃŃŠ¾ Š¾ŃŠ½Š¾ŃŠøŃŃŃ Šŗ ŠøŠ·Š¼ŠµŠ½ŠµŠ½ŠøŃŠ¼, ŠŗŠ¾ŃŠ¾ŃŃŠµ Š¼Š¾Š³Š»Šø Š±Ń ŃŠæŠ¾ŃŠ¾Š±ŃŃŠ²Š¾Š²Š°ŃŃ ŃŠ¾Š±Š»ŃŠ“ŠµŠ½ŠøŃ ŠøŠ¼Šø ŃŃŠµŠ±Š¾Š²Š°Š½ŠøŠ¹ ŠæŠ¾ Š¾Š±ŠµŃŠæŠµŃŠµŠ½ŠøŃ Š±ŠµŠ·Š¾ŠæŠ°ŃŠ½Š¾ŃŃŠø ŃŠ°Š±Š¾ŃŠ½ŠøŠŗŠ¾Š² Šø ŠŗŠ»ŠøŠµŠ½ŃŠ¾Š², ŠæŠ¾Š·Š²Š¾Š»ŃŃŃŠµŠ¼Ń ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃŠ¼ ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŃŃ ŃŃŠ½ŠŗŃŠøŠ¾Š½ŠøŃŠ¾Š²Š°ŃŃ.
- ŠŠ¾ ŃŠµŃ ŠæŠ¾Ń, ŠæŠ¾ŠŗŠ° Š½Šµ Š±ŃŠ“ŃŃ Š½Š°Š¹Š“ŠµŠ½Ń ŃŃŠµŠ“ŃŃŠ²Š° Š»ŠµŃŠµŠ½ŠøŃ ŠŗŠ¾ŃŠ¾Š½Š°Š²ŠøŃŃŃŠ½Š¾Š¹ ŠøŠ½ŃŠµŠŗŃŠøŠø, Š²ŠæŠ¾Š»Š½Šµ Š²ŠµŃŠ¾ŃŃŠ½Š¾, ŃŃŠ¾ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŃŠ¼ ŠæŃŠøŠ“ŠµŃŃŃ Š²ŃŠµŠ¼Ń Š¾Ń Š²ŃŠµŠ¼ŠµŠ½Šø Š·Š°ŠŗŃŃŠ²Š°ŃŃŃŃ Š²Š¾ Š²ŃŠµŠ¼Ń Š²ŃŠæŃŃŠµŠŗ ŠøŠ½ŃŠµŠŗŃŠøŠø, Š²Š»ŠøŃŃŃŠøŃ Š½Š° Š¾Š±ŃŠµŠ¼ ŠæŃŠ¾Š“Š°Š¶. ŠŠ¾ŃŃŠ¾Š¼Ń Š³ŠøŠ±ŠŗŠøŠµ ŃŃŠ»Š¾Š²ŠøŃ ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠ¹ Ń Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼Šø ŠøŠ¼ŠµŃŃ ŃŠµŃŠ°ŃŃŠµŠµ Š·Š½Š°ŃŠµŠ½ŠøŠµ.
- ŠŠµ Š·Š°Š±ŃŠ²Š°Š¹ŃŠµ ā ŃŠµŠ¼ Š±Š¾Š»ŃŃŠµ Š¼Ń ŠæŠ¾Š“Š“ŠµŃŠ¶ŠøŠ²Š°ŠµŠ¼ ŃŠæŠ¾ŃŠ¾Š±Š½Š¾ŃŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ ŃŠ½Š¾Š²Š° Š¾ŃŠŗŃŃŠ²Š°ŃŃŃŃ Šø ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŃŃ ŃŃŠ½ŠŗŃŠøŠ¾Š½ŠøŃŠ¾Š²Š°ŃŃ, ŃŠµŠ¼ ŃŠŗŠ¾ŃŠµŠµ Š²Š¾ŃŃŃŠ°Š½Š¾Š²ŠøŃŃŃ ŃŠŗŠ¾Š½Š¾Š¼ŠøŠŗŠ°.
Š¢Š°Šŗ ŠŗŠ°Šŗ ŃŃŠ¾Ń Š²Š¾ŠæŃŠ¾Ń ŃŠ°ŃŃŠ¼Š°ŃŃŠøŠ²Š°ŠµŃŃŃ Š² ŃŃŠ»Š¾Š²ŠøŃŃ Š½ŠµŠ¾ŠæŃŠµŠ“ŠµŠ»ŠµŠ½Š½Š¾Š¹ ŠæŃŠ¾Š“Š¾Š»Š¶ŠøŃŠµŠ»ŃŠ½Š¾ŃŃŠø ŠæŠµŃŠøŠ¾Š“Š° Š·Š°ŠŗŃŃŃŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹, ŃŠ²ŠµŠ“ŠµŠ½ŠøŠ¹ Š¾ Š½Š°ŠøŠ»ŃŃŃŠøŃ Š¼ŠµŃŠ¾Š“Š°Ń ŠæŃŠµŠ¾Š“Š¾Š»ŠµŠ½ŠøŃ ŠŗŃŠøŠ·ŠøŃŠ° ŠµŃŠµ Š½ŠµŠ“Š¾ŃŃŠ°ŃŠ¾ŃŠ½Š¾ ā Š“Š°Š½Š½ŃŠµ Š¾ ŠæŠ¾Š²ŃŠ¾ŃŠ½Š¾Š¼ Š¾ŃŠŗŃŃŃŠøŠø ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ ŃŠ¾Š»ŃŠŗŠ¾ Š½Š°ŃŠøŠ½Š°ŃŃ ŠæŠ¾ŃŃŃŠæŠ°ŃŃ ŠøŠ· ŠŠøŃŠ°Ń Šø ŠŠ²ŃŠ¾ŠæŃ.
ŠŠ¾Š»ŃŃŠøŠ½ŃŃŠ²Š¾ Š²Š»Š°Š“ŠµŠ»ŃŃŠµŠ² Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø ŃŠ²ŃŠ·ŃŠ²Š°ŃŃŃŃ Ń ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ°Š¼Šø, ŃŃŠ¾Š±Ń Š¾Š±ŃŃŠ“ŠøŃŃ Š²Š¾Š·Š¼Š¾Š¶Š½Š¾ŃŃŠø ŠŗŃŠµŠ“ŠøŃŠ½ŃŃ ŠæŠ¾ŃŠ»Š°Š±Š»ŠµŠ½ŠøŠ¹ Šø ŠæŠ»Š°Š½Š¾Š² Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠø ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹.
ŠŠ¾ ŃŠøŃ ŠæŠ¾Ń ŃŠ°ŠŗŠøŠµ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Š²ŠµŠ»ŠøŃŃ Š½Š° ŠøŠ½Š“ŠøŠ²ŠøŠ“ŃŠ°Š»ŃŠ½Š¾Š¹ Š¾ŃŠ½Š¾Š²Šµ.
ŠŠøŠ¶Šµ ŠæŃŠøŠ²Š¾Š“ŃŃŃŃ ŠæŃŠøŠ¼ŠµŃŃ Š½Š°ŠøŠ»ŃŃŃŠøŃ Š¼ŠµŃŠ¾Š“Š¾Š², ŠæŃŠøŠ¼ŠµŠ½ŃŠ²ŃŠøŃ ŃŃ Š²Š»Š°Š“ŠµŠ»ŃŃŠ°Š¼Šø Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø.
- ŠŃŠ¾ŃŠ²Š»ŃŠ¹ŃŠµ ŠøŠ½ŠøŃŠøŠ°ŃŠøŠ²Ń Šø ŃŠ°ŃŃŠ¾ ŃŠ²ŃŠ·ŃŠ²Š°Š¹ŃŠµŃŃ ŃŠ¾ ŃŠ²Š¾ŠøŠ¼Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼Šø. ŠŠ½Š¾Š³ŠøŠµ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ ŠøŃŠæŃŃŃŠ²Š°ŃŃ Š¾ŠæŠ°ŃŠµŠ½ŠøŃ, Š° ŠøŠ½Š¾Š³Š“Š° Š½Šµ ŠæŠ¾Š½ŠøŠ¼Š°ŃŃ, ŃŃŠ¾ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø Š³Š¾ŃŠ¾Š²Ń ŃŠ¾ŃŃŃŠ“Š½ŠøŃŠ°ŃŃ.
- Š”Š¾ŃŃŃŠ“Š½ŠøŃŠ°Ń Ń Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼Šø, ŠæŠ¾Š“Š³Š¾ŃŠ¾Š²ŃŃŠµ ŠæŠ»Š°Š½, ŠæŠ¾Š·Š²Š¾Š»ŃŃŃŠøŠ¹ ŠøŠ¼ ŃŃŠæŠµŃŠ½Š¾ ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŃŃ Š“ŠµŃŃŠµŠ»ŃŠ½Š¾ŃŃŃ ŃŠ°Šŗ, ŃŃŠ¾Š±Ń Š¾Š½Šø Š¼Š¾Š³Š»Šø Š²Š½Š¾ŃŠøŃŃ Š°ŃŠµŠ½Š“Š½ŃŃ ŠæŠ»Š°ŃŃ Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŠæŠ¾ŃŠ»ŠµŠ“ŃŃŃŠøŃ Š¼ŠµŃŃŃŠµŠ². Š Š°Š·ŃŃŃŠ½ŠµŠ½ŠøŠµ ŃŠ°ŠŗŠ¾Š³Š¾ ŠæŠ»Š°Š½Š° ŃŠ“Š¾Š²Š»ŠµŃŠ²Š¾ŃŠøŃŠµŠ»ŃŠ½Š¾Š³Š¾ ŃŠæŃŠ°Š²Š»ŠµŠ½ŠøŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŠ¼ ŠæŃŠ¾ŃŃŃŠ°Š½ŃŃŠ²Š¾Š¼, ŠæŠ¾Š·Š²Š¾Š»ŃŃŃŠµŠ³Š¾ ŠøŠ·Š²Š»ŠµŠŗŠ°ŃŃ Š“Š¾Ń Š¾Š“ Š² Š½ŠµŠ¾Š±ŃŃŠ½Š¾ Š¶ŠµŃŃŠŗŠøŃ ŃŃŠ½Š¾ŃŠ½ŃŃ ŃŃŠ»Š¾Š²ŠøŃŃ , Š±ŃŠ“ŠµŃ ŠøŠ³ŃŠ°ŃŃ ŃŠµŃŠ°ŃŃŃŃ ŃŠ¾Š»Ń Š² ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŠ°Ń Ń ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ°Š¼Šø.
- Š”Š¾Š¾Š±ŃŠ°Š¹ŃŠµ ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ°Š¼ ŃŠ°ŠŗŃŠøŃŠµŃŠŗŠøŠµ Š“Š°Š½Š½ŃŠµ Šø ŠæŃŠµŠ“Š»Š°Š³Š°Š¹ŃŠµ ŠøŠ¼ ŠæŃŠ°ŠŗŃŠøŃŠµŃŠŗŠøŠµ ŃŠµŃŠµŠ½ŠøŃ ŠæŃŠ¾Š±Š»ŠµŠ¼. ŠŠæŃŠµŠ“ŠµŠ»ŠøŃŠµ, Š¾ ŃŠµŠ¼ ŠøŠ¼ŠµŠ½Š½Š¾ Š²Ń Ń
Š¾ŃŠµŠ»Šø Š±Ń ŠæŃŠ¾ŃŠøŃŃ ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ¾Š² Ń ŃŃŠµŃŠ¾Š¼ ŃŠ²Š¾ŠµŠ³Š¾ ŃŠøŠ½Š°Š½ŃŠ¾Š²Š¾Š³Š¾ ŠæŠ¾Š»Š¾Š¶ŠµŠ½ŠøŃ Šø ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŠ¾Š² Ń Š²Š°ŃŠøŠ¼Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼Šø.
- ŠŠµŠŗŠ¾ŃŠ¾ŃŃŠµ ŠŗŃŠµŠ“ŠøŃŠ¾ŃŃ Š²ŠµŠ“ŃŃ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Š¾ ŃŃŠµŃ Š¼ŠµŃŃŃŠ½Š¾Š¹ Š¾ŃŃŃŠ¾ŃŠŗŠµ ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ Šø Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠø ŃŃŠøŃ ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŃŃŠ¾ŠŗŠ° Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š·Š°Š¹Š¼Š° ŠøŠ»Šø Š¾ ŠµŠ“ŠøŠ½Š¾Š²ŃŠµŠ¼ŠµŠ½Š½Š¾Š¼ ŠæŠ¾Š³Š°ŃŠµŠ½ŠøŠø Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š¾ŃŃŠø Š² ŠŗŠ¾Š½ŃŠµ ŃŠ°ŠŗŠ¾Š³Š¾ ŃŃŠ¾ŠŗŠ°.
- ŠŠµŠŗŠ¾ŃŠ¾ŃŃŠµ ŠŗŃŠµŠ“ŠøŃŠ¾ŃŃ Š²ŠµŠ“ŃŃ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Š¾ ŃŃŠµŃ Š¼ŠµŃŃŃŠ½Š¾Š¹ Š²ŃŠæŠ»Š°ŃŠµ ŃŠ¾Š»ŃŠŗŠ¾ ŠæŃŠ¾ŃŠµŠ½ŃŠ½ŃŃ Š½Š°ŃŠøŃŠ»ŠµŠ½ŠøŠ¹ Ń Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠµŠ¹ Š¾ŃŠ½Š¾Š²Š½Š¾Š¹ ŃŃŠ¼Š¼Ń Š·Š°Š¹Š¼Š° Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŃŃŠ¾ŠŗŠ° Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š·Š°Š¹Š¼Š° ŠøŠ»Šø Ń ŠµŠ“ŠøŠ½Š¾Š²ŃŠµŠ¼ŠµŠ½Š½Š¾Š¹ Š²ŃŠæŠ»Š°ŃŠ¾Š¹ ŃŃŠ¾Š¹ ŃŃŠ¼Š¼Ń Š² ŠŗŠ¾Š½ŃŠµ ŃŠ°ŠŗŠ¾Š³Š¾ ŃŃŠ¾ŠŗŠ°.
ŠŠµ Š·Š°Š±ŃŠ²Š°Š¹ŃŠµ ŃŠµŠ³ŠøŃŃŃŠøŃŠ¾Š²Š°ŃŃ Š²ŃŠµ ŃŠ²Š¾Šø ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃ Š² ŠæŠøŃŃŠ¼ŠµŠ½Š½Š¾Š¼ Š²ŠøŠ“Šµ. ŠŃŠ»Šø Š²Ń Š¾ŃŠæŃŠ°Š²Š»ŃŠµŃŠµ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃ ŠæŠ¾ ŃŠ»ŠµŠŗŃŃŠ¾Š½Š½Š¾Š¹ ŠæŠ¾ŃŃŠµ, ŃŠµŠŗŠ¾Š¼ŠµŠ½Š“ŃŠµŃŃŃ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°ŃŃŃŃ ŃŃŠ½ŠŗŃŠøŠµŠ¹ ŠæŠ¾Š“ŃŠ²ŠµŃŠ¶Š“ŠµŠ½ŠøŃ ŠæŃŠ¾ŃŃŠµŠ½ŠøŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠ¹ (Ā«read receiptĀ»).
Š ŠµŠŗŠ¾Š¼ŠµŠ½Š“ŃŠµŃŃŃ ŃŠ°ŠŗŠ¶Šµ ŃŠŗŠ°Š·ŃŠ²Š°ŃŃ Š² Š¾ŃŠæŃŠ°Š²Š»ŃŠµŠ¼ŃŃ Š²Š°Š¼Šø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Ń ŃŠ»ŠµŠŗŃŃŠ¾Š½Š½ŃŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŃŃ Š“Š°ŃŃ Šø Š²ŃŠµŠ¼Ń Š²Š°ŃŠµŠ³Š¾ ŃŠµŠ»ŠµŃŠ¾Š½Š½Š¾Š³Š¾ Š·Š²Š¾Š½ŠŗŠ° Šø ŠæŠ¾Š»ŃŃŠµŠ½Š½ŃŠ¹ Š²Š°Š¼Šø Š¾ŃŠ²ŠµŃ (Š½Š°ŠæŃŠøŠ¼ŠµŃ, ŃŠ¾Ń ŃŠ°ŠŗŃ, ŃŃŠ¾ Š²Ń Š¾ŃŃŠ°Š²ŠøŠ»Šø Š·Š°ŠæŠøŃŠ°Š½Š½Š¾Šµ ŃŠµŃŠµŠ²Š¾Šµ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠµ, ŃŃŠ¾ ŠæŠ°Š¼ŃŃŃ Š“Š»Ń Š·Š°ŠæŠøŃŠø ŃŠµŃŠµŠ²ŃŃ ŃŠ¾Š¾Š±ŃŠµŠ½ŠøŠ¹ Š±ŃŠ»Š° ŠæŠµŃŠµŠæŠ¾Š»Š½ŠµŠ½Š° Šø Ń.Ā Šæ.).
ŠŠµ Š·Š°Š±ŃŠ²Š°Š¹ŃŠµ ŠæŃŠ¾ŃŠµŃŃŠøŠ¾Š½Š°Š»ŃŠ½Š¾, ŃŠµŃŠŗŠ¾ Šø ŃŠ°ŠŗŃŠøŃŠµŃŠŗŠø ŃŠµŠ³ŠøŃŃŃŠøŃŠ¾Š²Š°ŃŃ Š² ŠæŠøŃŃŠ¼ŠµŠ½Š½Š¾Š¼ Š²ŠøŠ“Šµ Š²Š°ŃŠµ Š²Š·Š°ŠøŠ¼Š¾Š“ŠµŠ¹ŃŃŠ²ŠøŠµ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŠµŠ¼.
ŠŠ¾ŃŠ°ŃŠ¾ŃŠøŠµŠ¼ Š½Š° Š²ŃŃŠµŠ»ŠµŠ½ŠøŠµ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ Š½Šµ ŠæŃŠµŠ“ŃŃŠ¼Š¾ŃŃŠµŠ½Š° ŠŗŠ¾Š½ŠŗŃŠµŃŠ½Š°Ń Š“Š¾ŠŗŃŠ¼ŠµŠ½ŃŠ°ŃŠøŃ ā Š² ŠµŠ³Š¾ ŃŠµŠŗŃŃŠµ ŃŠæŠ¾Š¼ŠøŠ½Š°ŠµŃŃŃ Š»ŠøŃŃ Ā«ŠæŃŠøŠµŠ¼Š»ŠµŠ¼Š°Ń Š“Š¾ŠŗŃŠ¼ŠµŠ½ŃŠ°ŃŠøŃĀ». ŠĀ ŃŠµŠŗŃŃŠµ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ Š½Šµ ŃŠŗŠ°Š·ŃŠ²Š°ŠµŃŃŃ, ŃŃŠ¾ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Ń Š½ŠµŃŠµŃ Š¾ŃŠ²ŠµŃŃŃŠ²ŠµŠ½Š½Š¾ŃŃŃ Š·Š° Š¾ŠæŃŠµŠ“ŠµŠ»ŠµŠ½ŠøŠµ Ā«ŠæŃŠøŠµŠ¼Š»ŠµŠ¼Š¾ŃŃŠøĀ» ŃŠ¾Š¹ ŠøŠ»Šø ŠøŠ½Š¾Š¹ Š“Š¾ŠŗŃŠ¼ŠµŠ½ŃŠ°ŃŠøŠø.
ŠĀ ŃŠµŠ»ŃŃ , ŃŠ²ŃŠ·Š°Š½Š½ŃŃ Ń ŠæŃŠµŠ“ŃŃŠ°Š²Š»ŠµŠ½ŠøŠµŠ¼ Š“Š¾ŠŗŃŠ¼ŠµŠ½ŃŠ°ŃŠøŠø, Š½ŠµŠŗŠ¾ŃŠ¾ŃŃŠµ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ ŠøŃŠæŠ¾Š»ŃŠ·ŃŃŃ Š¾ŃŃŠµŃŃ Š¾ ŠæŃŠøŠ±ŃŠ»ŃŃ Šø ŃŠ±ŃŃŠŗŠ°Ń ŠøŠ»Šø Š½Š°Š»Š¾Š³Š¾Š²ŃŠµ Š“ŠµŠŗŠ»Š°ŃŠ°ŃŠøŠø, Š“ŠµŠ¼Š¾Š½ŃŃŃŠøŃŃŃŃŠøŠµ ŠøŠ·Š¼ŠµŠ½ŠµŠ½ŠøŠµ ŃŠ°Š·Š¼ŠµŃŠ° Š“Š¾Ń Š¾Š“Š¾Š² Ń 2019 ŠæŠ¾ 2020Ā Š³Š³., Š° ŃŠ°ŠŗŠ¶Šµ ŃŠ¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š¾Š±ŃŠµŠ¼Š° ŠæŃŠ¾Š“Š°Š¶, Š½Š°Š±Š»ŃŠ“Š°Š²ŃŠµŠµŃŃ Š² 2020Ā Š³.
ŠŠ¾Š“Ń Š¾Š“ŠøŃŠµ Šŗ ŃŠ°ŠŗŠøŠ¼ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŠ°Š¼ ŠŗŠ°Šŗ Šŗ ŠæŃŠ¾Š“Š¾Š»Š¶Š°ŃŃŠµŠ¼ŃŃŃ ŠæŃŠ¾ŃŠµŃŃŃ, ŃŠ¾ŃŃŠµŠ“Š¾ŃŠ¾ŃŠøŠ²Š°Ń Š²Š½ŠøŠ¼Š°Š½ŠøŠµ Š½Š° ŠæŠµŃŠøŠ¾Š“Šµ Š“ŠµŠ¹ŃŃŠ²ŠøŃ ŃŠŗŠ°Š·Š° Ā«ŠŃŃŠ°Š²Š°Š¹ŃŠµŃŃ Š“Š¾Š¼Š°Ā». ŠŠ¾Š·Š¼Š¾Š¶Š½Š¾, ŃŃŠ¾ Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŠæŠµŃŠøŠ¾Š“Š° ŠæŠ°Š½Š“ŠµŠ¼ŠøŠø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Š±ŃŠ“ŃŃ Š¾Š±ŃŃŠ¶Š“Š°ŃŃ Šø ŠŗŠ¾ŃŃŠµŠŗŃŠøŃŠ¾Š²Š°ŃŃ ŃŃŠ»Š¾Š²ŠøŃ Š°ŃŠµŠ½Š“Š½ŃŃ Š“Š¾Š³Š¾Š²Š¾ŃŠ¾Š² Ń ŃŃŠµŃŠ¾Š¼ Š¾Š±ŃŠµŠ¼Š¾Š² ŠæŃŠ¾Š“Š°Š¶.
Š Š½Š°ŃŃŠ¾ŃŃŠµŠµ Š²ŃŠµŠ¼Ń Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŠ¹ Š·Š°ŃŠøŃŠ°ŠµŃ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ¾Š² ŃŠ¾Š»ŃŠŗŠ¾ Š² ŃŠµŃŠµŠ½ŠøŠµ 90 Š“Š½ŠµŠ¹, ŠæŃŠøŃŠµŠ¼ Š°ŃŠµŠ½Š“Š½Š°Ń ŠæŠ»Š°ŃŠ° Š·Š° ŃŃŠø 90 Š“Š½ŠµŠ¹ Š²ŃŠµ ŠµŃŠµ ŠæŃŠøŃŠøŃŠ°ŠµŃŃŃ.
Š¢ŠµŠŗŃŃ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ Š½Šµ ŠæŠ¾Š·Š²Š¾Š»ŃŠµŃ ŃŠµŃŠŗŠ¾ Š¾ŠæŃŠµŠ“ŠµŠ»ŠøŃŃ, Š¼Š¾Š¶ŠµŃ Š»Šø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Ń Š½Š°ŃŠ°ŃŃ ŠæŃŠ¾ŃŠµŃŃ Š²ŃŃŠµŠ»ŠµŠ½ŠøŃ ŃŃŠ°Š·Ń ŠæŠ¾ Š¾ŠŗŠ¾Š½ŃŠ°Š½ŠøŠø Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ Š“Š°Š¶Šµ Š² ŃŠ¾Š¼ ŃŠ»ŃŃŠ°Šµ, ŠµŃŠ»Šø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Ń Š½ŠµŠ¼ŠµŠ“Š»ŠµŠ½Š½Š¾ ŠæŠ¾Š³Š°ŃŠøŃ ŃŠ²Š¾Ń Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š¾ŃŃŃ. ŠŃŠ¾Ń ŃŃŠøŠ“ŠøŃŠµŃŠŗŠøŠ¹ Š²Š¾ŠæŃŠ¾Ń Š²ŃŠµ ŠµŃŠµ Š½Šµ ŃŠµŃŠµŠ½.
ŠŠ° ŃŠ°Š¼Š¾Š¼ Š“ŠµŠ»Šµ Š“Š°Š»ŃŠ½ŠµŠ¹ŃŠøŠµ ŃŃŠ»Š¾Š²ŠøŃ Š°ŃŠµŠ½Š“Ń ŠæŠ¾ Š¾ŠŗŠ¾Š½ŃŠ°Š½ŠøŠø Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ ŠæŃŠøŠ“ŠµŃŃŃ ŃŠ¾Š³Š»Š°ŃŠ¾Š²ŃŠ²Š°ŃŃ Š¾ŃŠ“ŠµŠ»ŃŠ½Š¾ Š² ŠŗŠ°Š¶Š“Š¾Š¼ ŠøŠ½Š“ŠøŠ²ŠøŠ“ŃŠ°Š»ŃŠ½Š¾Š¼ ŃŠ»ŃŃŠ°Šµ. ŠŃŠµŠ½Š“Š°ŃŠ¾ŃŃ, Š¾Š“Š½Š°ŠŗŠ¾, ŃŠ¾Š²ŠµŃŃŃŃ ŃŠ»ŠµŠ“ŃŃŃŠµŠµ:
- Š½Šµ Š·Š°ŠŗŠ»ŃŃŠ°Š¹ŃŠµ ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŃ, ŠæŃŠµŠ“ŃŃŠ¼Š°ŃŃŠøŠ²Š°ŃŃŠøŠµ ŃŠ²ŠµŠ»ŠøŃŠµŠ½ŠøŠµ Š¾Š±ŃŠµŠ¼Š° Š²Š°ŃŠøŃ ŃŠøŠ½Š°Š½ŃŠ¾Š²ŃŃ Š¾Š±ŃŠ·Š°ŃŠµŠ»ŃŃŃŠ² Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø Š¾ŃŃŠ°ŃŃŠµŠ³Š¾ŃŃ ŃŃŠ¾ŠŗŠ° Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š°ŃŠµŠ½Š“Š½Š¾Š³Š¾ Š“Š¾Š³Š¾Š²Š¾ŃŠ°;
- Š½Šµ ŃŠ¾Š³Š»Š°ŃŠ°Š¹ŃŠµŃŃ Š²ŃŠæŠ»Š°ŃŠøŠ²Š°ŃŃ Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š¾ŃŃŃ Š² ŃŠ»ŠøŃŠŗŠ¾Š¼ ŠŗŠ¾ŃŠ¾ŃŠŗŠøŠµ ŃŃŠ¾ŠŗŠø, ŃŠ°Šŗ ŠŗŠ°Šŗ Š¾Š±ŃŠµŠ¼ ŠæŃŠ¾Š“Š°Š¶, ŃŠŗŠ¾ŃŠµŠµ Š²ŃŠµŠ³Š¾, Š±ŃŠ“ŠµŃ Š½ŠµŠ±Š¾Š»ŃŃŠøŠ¼ ŠæŠ¾ŃŠ»Šµ Š¾ŃŠ¼ŠµŠ½Ń ŃŠŗŠ°Š·Š° Ā«ŠŃŃŠ°Š²Š°Š¹ŃŠµŃŃ Š“Š¾Š¼Š°Ā»;
ŃŠ°Šŗ ŠŗŠ°Šŗ Š“Š°ŃŠ° Š¾ŃŠ¼ŠµŠ½Ń ŃŠŗŠ°Š·Š° Ā«ŠŃŃŠ°Š²Š°Š¹ŃŠµŃŃ Š“Š¾Š¼Š°Ā» ŠµŃŠµ Š½Šµ Š¾ŠæŃŠµŠ“ŠµŠ»ŠµŠ½Š°, Š½ŠµŠ¾Š±Ń Š¾Š“ŠøŠ¼Š¾, ŃŃŠ¾Š±Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ ŠæŃŠ¾Š“Š¾Š»Š¶Š°Š»Šø Š²Š·Š°ŠøŠ¼Š¾Š“ŠµŠ¹ŃŃŠ²Š¾Š²Š°ŃŃ ŠæŠ¾ŃŃŠ¾ŃŠ½Š½Š¾. ŠŠ°Š¶Š½Š¾ Š¾ŃŠ½Š¾ŃŠøŃŃŃŃ Ń ŃŠ²Š°Š¶ŠµŠ½ŠøŠµŠ¼ Šŗ Š“ŃŃŠ³Š¾Š¹ ŃŃŠ¾ŃŠ¾Š½Šµ Šø ŠæŃŠøŠ¼ŠµŠ½ŃŃŃ ŠæŠ¾Š»Š¾Š¶ŠøŃŠµŠ»ŃŠ½ŃŠ¹ ŠæŠ¾Š“Ń Š¾Š“; Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŠæŠµŃŠøŠ¾Š“Š° ŠæŠ°Š½Š“ŠµŠ¼ŠøŠø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼ Šø Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°Š¼ ŠæŃŠµŠ“ŃŃŠ¾ŠøŃ Š“Š»ŠøŃŠµŠ»ŃŠ½Š¾Šµ ŃŠ¾ŃŃŃŠ“Š½ŠøŃŠµŃŃŠ²Š¾, Šø Š²Š·Š°ŠøŠ¼Š¾ŠæŠ¾Š½ŠøŠ¼Š°Š½ŠøŠµ Š¼ŠµŠ¶Š“Ń Š½ŠøŠ¼Šø ŠøŠ³ŃŠ°ŠµŃ ŃŠµŃŠ°ŃŃŃŃ ŃŠ¾Š»Ń.
ŠŠ°ŃŃŃŠæŠøŠ»Š¾ Š±ŠµŃŠæŃŠµŃŠµŠ“ŠµŠ½ŃŠ½Š¾Šµ Š²ŃŠµŠ¼Ń, Šø Š½ŠµŠ²Š¾Š·Š¼Š¾Š¶Š½Š¾ Š½Š°Š·Š²Š°ŃŃ Ā«ŠæŃŠ°Š²ŠøŠ»ŃŠ½ŃŠ¼ŠøĀ» ŠøŠ»Šø Ā«Š½ŠµŠæŃŠ°Š²ŠøŠ»ŃŠ½ŃŠ¼ŠøĀ» ŠŗŠ°ŠŗŠøŠµ-Š»ŠøŠ±Š¾ ŃŃŠ»Š¾Š²ŠøŃ Š½Š°ŃŠ°Š»Š° ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŠ¾Š² ŠøŠ»Šø ŠŗŠ°ŠŗŃŃ-Š»ŠøŠ±Š¾ Š·Š°ŠæŃŠ°ŃŠøŠ²Š°ŠµŠ¼ŃŃ ŃŃŠ¼Š¼Ń.
ŠŃŠ»Šø Š²Ń Š½Šµ ŠøŠ·Š²Š»ŠµŠŗŠ°ŠµŃŠµ Š“Š¾Ń Š¾Š“, Š²Ń Š¼Š¾Š¶ŠµŃŠµ Š½Š°ŃŠ°ŃŃ Š¾Š±ŃŃŠ¶Š“ŠµŠ½ŠøŠµ Ń ŠæŃŠ¾ŃŃŠ±Ń Š¾Š± ŃŠ¼ŠµŠ½ŃŃŠµŠ½ŠøŠø ŠøŠ»Šø Š¾ŃŃŃŠ¾ŃŠŗŠµ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ Ń ŃŃŠµŃŠ¾Š¼ ŃŠ¾Š³Š¾, ŃŃŠ¾, ŠæŠ¾ Š²Š°ŃŠµŠ¼Ń Š¼Š½ŠµŠ½ŠøŃ, Š±ŃŠ“ŠµŃ ŠæŠ¾Š»ŠµŠ·Š½Š¾ Š“Š»Ń Š²Š°ŃŠµŠ³Š¾ Š±ŠøŠ·Š½ŠµŃŠ°. ŠŠ°ŠæŃŠøŠ¼ŠµŃ, Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Šø Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø ŠæŠ¾Š“ŠµŠ»ŠøŠ»ŠøŃŃ ŃŠ»ŠµŠ“ŃŃŃŠøŠ¼Šø Š²Š°ŃŠøŠ°Š½ŃŠ°Š¼Šø.
- Š£Š¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š²ŃŠµŠ¹ ŃŃŠ¼Š¼Ń Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ, ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŠæŠ»Š°ŃŠµ Š²ŃŠµŃ Š½Š°Š»Š¾Š³Š¾Š² Š½Š° Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŃ, ŃŃŃŠ°Ń Š¾Š²Š°Š½ŠøŃ Š·Š“Š°Š½ŠøŠ¹ Šø Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø (NNN) Šø ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŠæŠ»Š°ŃŠµ Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ ŃŃŠ°ŃŃŠŗŠ¾Š² Š¾Š±ŃŠµŠ³Š¾ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°Š½ŠøŃ (CAM) Š½Š° ŠµŠ¶ŠµŠ¼ŠµŃŃŃŠ½Š¾Š¹ Š¾ŃŠ½Š¾Š²Šµ Š²ŠæŠ»Š¾ŃŃ Š“Š¾ Š¾ŃŠŗŃŃŃŠøŃ Š·Š°ŠŗŃŃŃŃŃ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹.
- Š£Š¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š²ŃŠµŠ¹ ŃŃŠ¼Š¼Ń Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ, ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŠæŠ»Š°ŃŠµ Š²ŃŠµŃ Š½Š°Š»Š¾Š³Š¾Š² Š½Š° Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŃ, ŃŃŃŠ°Ń Š¾Š²Š°Š½ŠøŃ Š·Š“Š°Š½ŠøŠ¹ Šø Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø (NNN) Šø ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŃŃŃŠ¾ŃŠŗŠµ Š¾ŠæŠ»Š°ŃŃ Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ ŃŃŠ°ŃŃŠŗŠ¾Š² Š¾Š±ŃŠµŠ³Š¾ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°Š½ŠøŃ (CAM) Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŃŃŠ¾ŠŗŠ° Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š¼Š¾ŃŠ°ŃŠ¾ŃŠøŃ Š½Š° Š²ŃŃŠµŠ»ŠµŠ½ŠøŠµ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹ Ń ŠæŃŠ¾ŃŃŠ±Š¾Š¹ Š¾ Š“Š¾ŠæŠ¾Š»Š½ŠµŠ½ŠøŠø Š°ŃŠµŠ½Š“Š½Š¾Š³Š¾ Š“Š¾Š³Š¾Š²Š¾ŃŠ° ŠæŠ¾Š»Š¾Š¶ŠµŠ½ŠøŠµŠ¼ Š¾ ŠæŃŠ¾Š“Š»ŠµŠ½ŠøŠø ŃŃŠ¾ŠŗŠ° Š°ŃŠµŠ½Š“Ń Š½Š° ŠæŠµŃŠøŠ¾Š“ Š¾ŃŃŃŠ¾ŃŠŗŠø Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ.
- Š£Š¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š²ŃŠµŠ¹ ŃŃŠ¼Š¼Ń Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ, ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŠæŠ»Š°ŃŠµ Š²ŃŠµŃ Š½Š°Š»Š¾Š³Š¾Š² Š½Š° Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŃ, ŃŃŃŠ°Ń Š¾Š²Š°Š½ŠøŃ Š·Š“Š°Š½ŠøŠ¹ Šø Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø (NNN) Šø ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŃŃŃŠ¾ŃŠŗŠµ Š¾ŠæŠ»Š°ŃŃ Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ ŃŃŠ°ŃŃŠŗŠ¾Š² Š¾Š±ŃŠµŠ³Š¾ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°Š½ŠøŃ (CAM) Ń Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠµŠ¹ Š¾ŃŃŃŠ¾ŃŠµŠ½Š½ŃŃ ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ Š² ŃŠµŃŠµŠ½ŠøŠµ Š²ŃŠµŠ³Š¾ Š¾ŃŃŠ°ŃŃŠµŠ³Š¾ŃŃ ŃŃŠ¾ŠŗŠ° Š“ŠµŠ¹ŃŃŠ²ŠøŃ Š°ŃŠµŠ½Š“Š½Š¾Š³Š¾ Š“Š¾Š³Š¾Š²Š¾ŃŠ°.
- Š£Š¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š²ŃŠµŠ¹ ŃŃŠ¼Š¼Ń Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ, ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŠæŠ»Š°ŃŠµ Š²ŃŠµŃ Š½Š°Š»Š¾Š³Š¾Š² Š½Š° Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŃ, ŃŃŃŠ°Ń Š¾Š²Š°Š½ŠøŃ Š·Š“Š°Š½ŠøŠ¹ Šø Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ Š½ŠµŠ“Š²ŠøŠ¶ŠøŠ¼Š¾ŃŃŠø (NNN) Šø ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŠµ Š¾Š± Š¾ŃŃŃŠ¾ŃŠŗŠµ Š¾ŠæŠ»Š°ŃŃ Š¾Š±ŃŠ»ŃŠ¶ŠøŠ²Š°Š½ŠøŃ ŃŃŠ°ŃŃŠŗŠ¾Š² Š¾Š±ŃŠµŠ³Š¾ ŠæŠ¾Š»ŃŠ·Š¾Š²Š°Š½ŠøŃ (CAM) Ń Š°Š¼Š¾ŃŃŠøŠ·Š°ŃŠøŠµŠ¹ Š¾ŃŃŃŠ¾ŃŠµŠ½Š½ŃŃ ŠæŠ»Š°ŃŠµŠ¶ŠµŠ¹ Š² ŃŠµŃŠµŠ½ŠøŠµ Š¼ŠµŠ½ŠµŠµ ŠæŃŠ¾Š“Š¾Š»Š¶ŠøŃŠµŠ»ŃŠ½Š¾Š³Š¾ ŃŃŠ¾ŠŗŠ°. (Š§ŠµŠ¼ ŠæŃŠ¾Š“Š¾Š»Š¶ŠøŃŠµŠ»ŃŠ½ŠµŠµ ŃŃŠ¾Ń ŃŃŠ¾Šŗ, ŃŠµŠ¼ Š»ŃŃŃŠµ Š“Š»Ń Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ°.)
ŠŃŠ»Šø Š²Š°ŃŠµ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠµ Š³ŠµŠ½ŠµŃŠøŃŃŠµŃ Š“Š¾Ń Š¾Š“, Š²Ń Š¼Š¾Š¶ŠµŃŠµ ŃŠ¾Š³Š»Š°ŃŠ¾Š²Š°ŃŃ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŠµŠ¼ ŃŃŠ»Š¾Š²ŠøŃ Š²Š½ŠµŃŠµŠ½ŠøŃ ŃŠ°ŃŃŠøŃŠ½Š¾Š¹ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ ā ŃŠ¾Š¹ ŠøŠ»Šø ŠøŠ½Š¾Š¹ ŠæŃŠ¾ŃŠµŠ½ŃŠ½Š¾Š¹ Š“Š¾Š»Šø ŠæŠ¾ŃŃŃŠæŠ»ŠµŠ½ŠøŠ¹ Š¾Ń ŠæŃŠ¾Š“Š°Š¶, Š³ŠµŠ½ŠµŃŠøŃŃŠµŠ¼ŃŃ Š²Š°ŃŠøŠ¼ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠµŠ¼ Š² Š½Š°ŃŃŠ¾ŃŃŠµŠµ Š²ŃŠµŠ¼Ń.
ŠŃŠ¾ŃŠ¼Š»ŃŠ¹ŃŠµ Š·Š°ŠæŃŠ¾ŃŃ Š² ŠæŠøŃŃŠ¼ŠµŠ½Š½Š¾Š¼ Š²ŠøŠ“Šµ, ŠæŃŠøŠ½ŠøŠ¼Š°Š¹ŃŠµ Š²Š¾ Š²Š½ŠøŠ¼Š°Š½ŠøŠµ ŃŠøŃŃŠ°ŃŠøŃ, Š² ŠŗŠ¾ŃŠ¾ŃŠ¾Š¹ Š¾ŠŗŠ°Š·Š°Š»ŃŃ Š²Š°Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Ń (Š¾Š½ Š¼Š¾Š¶ŠµŃ Š²ŠµŃŃŠø ŃŃ Š¾Š“Š½ŃŠµ ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ ŃŠ¾ ŃŠ²Š¾ŠøŠ¼Šø ŠŗŃŠµŠ“ŠøŃŠ¾ŃŠ°Š¼Šø) Šø ŠæŠ¾Š»Š°Š³Š°Š¹ŃŠµŃŃ Š½Š° ŃŠ°ŠŗŃŃ Šø ŃŠøŃŃŃ, Š° Š½Šµ Š½Š° ŃŠ¼Š¾ŃŠøŠø.
ŠŠ¾ŠŗŠ° ŃŃŠ¾ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŃ ŠæŠ¾Š»ŃŃŠ°Š»Šø Š¾Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŠµŠ¹ ŃŠ°Š¼ŃŠµ ŃŠ°Š·Š»ŠøŃŠ½ŃŠµ Š¾ŃŠ²ŠµŃŃ. ŠŠµŠŗŠ¾ŃŠ¾ŃŃŠµ Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»Šø ŠæŃŠµŠ“Š»Š°Š³Š°ŃŃ Š¾Š³ŃŠ°Š½ŠøŃŠµŠ½Š½ŃŠµ ŠøŠ»Šø ŃŠ°ŃŃŠøŃŠ½ŃŠµ ŠæŠ¾ŃŠ»Š°Š±Š»ŠµŠ½ŠøŃ, Š° Š½ŠµŠŗŠ¾ŃŠ¾ŃŃŠµ ŃŠ¾Š³Š»Š°ŃŠ°ŃŃŃŃ Š½Š° ŃŠ¼ŠµŠ½ŃŃŠµŠ½ŠøŠµ Š²ŃŠµŠ¹ ŃŃŠ¼Š¼Ń Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ. ŠŠ° ŃŠ°Š¼Š¾Š¼ Š“ŠµŠ»Šµ ŃŠµŠ·ŃŠ»ŃŃŠ°ŃŃ Š¼Š¾Š³ŃŃ Š±ŃŃŃ ŃŠ°Š·Š»ŠøŃŠ½ŃŠ¼Šø Š² ŠøŠ½Š“ŠøŠ²ŠøŠ“ŃŠ°Š»ŃŠ½ŃŃ ŃŠ»ŃŃŠ°ŃŃ .
ŠŃŃŃŠæŠ°Ń Š² ŠæŠµŃŠµŠ³Š¾Š²Š¾ŃŃ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŠµŠ¼, ŠæŠ¾Š¶Š°Š»ŃŠ¹ŃŃŠ°, Š½Šµ Š·Š°Š±ŃŠ²Š°Š¹ŃŠµ Š¾ ŠŗŠ¾Š½ŃŃŠ»ŃŃŠ°ŃŠøŃŃ ŃŃŠøŃŃŠ¾Š², Š±ŃŃ Š³Š°Š»ŃŠµŃŠ¾Š² Šø Š±ŃŠ¾ŠŗŠµŃŠ¾Š², ŠŗŠ¾ŃŠ¾ŃŃŠµ Š¼Š¾Š³Š»Šø Š±Ń Š²Š°Š¼ ŠæŠ¾Š¼Š¾ŃŃ. Prosper Portland Šø Š“ŃŃŠ³ŠøŠµ Š¾ŃŠ³Š°Š½ŠøŠ·Š°ŃŠøŠø ŠæŃŠµŠ“Š»Š°Š³Š°ŃŃ ŠæŠµŃŠµŃŠ½Šø Š“Š¾ŃŃŃŠæŠ½ŃŃ ŃŠµŃŃŃŃŠ¾Š² ā ŃŠ°ŠŗŠøŃ , ŠŗŠ°Šŗ Š²ŠøŠ“ŠµŠ¾Š·Š°ŠæŠøŃŠø ŠæŃŠ¾ŃŠµŃŃŠøŠ¾Š½Š°Š»ŃŠ½ŃŃ ŃŠµŠŗŠ¾Š¼ŠµŠ½Š“Š°ŃŠøŠ¹ Šø Š¾Š±ŃŠ°Š·ŃŃ ŃŠ°Š·Š»ŠøŃŠ½ŃŃ ŠæŠøŃŠµŠ¼.
ŠŠµŃ! ŠŠ¾ŃŠ°ŃŠ¾ŃŠøŠ¹ Š½Š° Š²ŃŃŠµŠ»ŠµŠ½ŠøŠµ Š½ŠøŠŗŠ¾ŠøŠ¼ Š¾Š±ŃŠ°Š·Š¾Š¼ Š½Šµ Š¾ŃŠ²Š¾Š±Š¾Š¶Š“Š°ŠµŃ Š¾Ń Š²Š½ŠµŃŠµŠ½ŠøŃ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ. ŠŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Š²ŃŠµ ŠµŃŠµ Š½ŠµŃŃŃ Š¾ŃŠ²ŠµŃŃŃŠ²ŠµŠ½Š½Š¾ŃŃŃ Š·Š° Š¾ŠæŠ»Š°ŃŃ Š°ŃŠµŠ½Š“Ń, ŃŃŠµŠ±ŃŠµŠ¼ŃŃ ŠæŠ¾ ŠøŃ Š°ŃŠµŠ½Š“Š½ŃŠ¼ Š“Š¾Š³Š¾Š²Š¾ŃŠ°Š¼. ŠŠ¾ŃŃŠ¾Š¼Ń Š“Š»Ń Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ¾Š² Š²Š°Š¶Š½Š¾ Š¾ŃŠŗŃŃŃŠ¾ Šø ŠæŠ¾ŃŃŠ¾ŃŠ½Š½Š¾ Š²Š·Š°ŠøŠ¼Š¾Š“ŠµŠ¹ŃŃŠ²Š¾Š²Š°ŃŃ Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼Šø Šø ŃŠ»ŠµŠ“ŠøŃŃ Š·Š° ŃŠµŠ¼, ŃŃŠ¾Š±Ń ŃŠ¾Š³Š»Š°ŃŠµŠ½ŠøŃ, Š“Š¾ŃŃŠøŠ³Š½ŃŃŃŠµ ŠøŠ¼Šø Ń Š°ŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼Šø, Š±ŃŠ»Šø Š¾ŃŠ¾ŃŠ¼Š»ŠµŠ½Ń Š² ŠæŠøŃŃŠ¼ŠµŠ½Š½Š¾Š¼ Š²ŠøŠ“Šµ.
- Ā«ŠŠ¾ŃŠ°ŃŠ¾ŃŠøŠ¹ Š½Š° Š²ŃŃŠµŠ»ŠµŠ½ŠøŠµ ŠŗŠ¾Š¼Š¼ŠµŃŃŠµŃŠŗŠøŃ ŠæŃŠµŠ“ŠæŃŠøŃŃŠøŠ¹Ā», Š¾ŠæŃŠ±Š»ŠøŠŗŠ¾Š²Š°Š½Š½ŃŠ¹ 1Ā Š°ŠæŃŠµŠ»Ń 2020Ā Š³. Š³ŃŠ±ŠµŃŠ½Š°ŃŠ¾ŃŠ¾Š¼ ŠŃŠ°ŃŠ½, Š·Š°ŃŠøŃŠ°ŠµŃ Š¾Ń Š²ŃŃŠµŠ»ŠµŠ½ŠøŃ Š°ŃŠµŠ½Š“Š°ŃŠ¾ŃŠ¾Š², ŠæŠ¾ŃŠµŃŠæŠµŠ²ŃŠøŃ ŃŃŃŠµŃŃŠ²ŠµŠ½Š½ŃŠµ ŠæŠ¾ŃŠµŃŠø Š“Š¾Ń Š¾Š“Š¾Š² Š² ŃŠ²ŃŠ·Šø Ń ŃŠŗŠ°Š·Š¾Š¼ Ā«ŠŃŃŠ°Š²Š°Š¹ŃŠµŃŃ Š“Š¾Š¼Š°, ŃŠæŠ°ŃŠ°Š¹ŃŠµ Š¶ŠøŠ·Š½Šø!Ā»
- Š£ŠŗŠ°Š· Š¾ŃŃŠ°ŠµŃŃŃ Š² ŃŠøŠ»Šµ Š² ŃŠµŃŠµŠ½ŠøŠµ 90Ā Š“Š½ŠµŠ¹ ŠæŠ¾ŃŠ»Šµ ŠµŠ³Š¾ ŠæŠ¾Š“ŠæŠøŃŠ°Š½ŠøŃ.
- ŠŃŠµŠ½Š“Š¾Š“Š°ŃŠµŠ»ŃŠ¼ Š·Š°ŠæŃŠµŃŠµŠ½Š¾ Š²Š·ŠøŠ¼Š°ŃŃ ŃŠ±Š¾ŃŃ Š·Š° Š·Š°Š“ŠµŃŠ¶ŠŗŃ Š²Š½ŠµŃŠµŠ½ŠøŃ Š°ŃŠµŠ½Š“Š½Š¾Š¹ ŠæŠ»Š°ŃŃ Š½Š° ŠæŃŠ¾ŃŃŠ¶ŠµŠ½ŠøŠø ŃŃŠ¾Š³Š¾ ŃŃŠ¾ŠŗŠ°.
- ŠŃŠµŠ½Š“Š½Š°Ń ŠæŠ»Š°ŃŠ°, Š·Š°Š“Š¾Š»Š¶ŠµŠ½Š½Š°Ń Š·Š° ŃŃŠ¾Ń ŠæŠµŃŠøŠ¾Š“, Š²ŃŠµ ŠµŃŠµ ŠæŃŠøŃŠøŃŠ°ŠµŃŃŃ, Š²Š¼ŠµŃŃŠµ Ń Š“Š¾ŠæŠ¾Š»Š½ŠøŃŠµŠ»ŃŠ½ŃŠ¼Šø Š½Š°ŃŠøŃŠ»ŠµŠ½ŠøŃŠ¼Šø, ŠæŃŠµŠ“ŃŃŠ¼Š¾ŃŃŠµŠ½Š½ŃŠ¼Šø Š°ŃŠµŠ½Š“Š½ŃŠ¼Šø Š“Š¾Š³Š¾Š²Š¾ŃŠ°Š¼Šø ā ŃŠ°ŠŗŠøŠ¼Šø, ŠŗŠ°Šŗ ŠæŠ»Š°ŃŠ° Š·Š° ŠŗŠ¾Š¼Š¼ŃŠ½Š°Š»ŃŠ½ŃŠµ ŃŃŠ»ŃŠ³Šø Šø Š½Š°Š»Š¾Š³Šø (ŠµŃŠ»Šø Š¾Š½Šø Š²Š·ŠøŠ¼Š°ŃŃŃŃ).
- ŠŃŠµŠ½Š“Š°ŃŠ¾ŃŃ Š¾Š±ŃŠ·Š°Š½Ń ŠæŃŠµŠ“ŃŃŠ²Š»ŃŃŃ Š“Š¾ŠŗŠ°Š·Š°ŃŠµŠ»ŃŃŃŠ²Š° ŠæŠ¾ŃŠµŃŠø Š“Š¾Ń Š¾Š“Š¾Š², Š²ŃŠ·Š²Š°Š½Š½Š¾Š¹ Š³Š¾ŃŃŠ“Š°ŃŃŃŠ²ŠµŠ½Š½ŃŠ¼Šø Š¾Š³ŃŠ°Š½ŠøŃŠµŠ½ŠøŃŠ¼Šø.
Nhiį»u ngĘ°į»i thuĆŖ nhĆ ngįŗ”i nĆ³i chuyį»n vį»i chį»§ nhĆ nįŗæu hį» khĆ“ng thį» trįŗ£ tiį»n thuĆŖ nhĆ .Ā HĆ£y chįŗÆc chįŗÆn rįŗ±ng quĆ½ vį» cho ngĘ°į»i thuĆŖ cį»§a mƬnh biįŗæt rįŗ±ng quĆ½ vį» quĆ½ trį»ng hį», quĆ½ vį» muį»n hį» thĆ nh cĆ“ng vĆ quĆ½ vį» muį»n trį» thĆ nh mį»t Äį»i tĆ”c Äį» giĆŗp hį» thį»±c hiį»n ÄĘ°į»£c Äiį»u nĆ y. Äiį»u ÄĆ³ cĆ³ thį» giĆŗp hį» vĆ quĆ½ vį» nĆ³i chuyį»n cĆ¹ng nhau.
HĆ£y chįŗÆc chįŗÆn rįŗ±ng quĆ½ vį» liĆŖn lįŗ”c tiįŗæp Äį»i vį»i tįŗ„t cįŗ£ cĆ”c trao Äį»i liĆŖn lįŗ”c cį»§a mƬnh bįŗ±ng vÄn bįŗ£n. Khi sį» dį»„ng email, quĆ½ vį» cĆ³ thį» chį»n tĆnh nÄng āÄĆ£ xem,ā
QuĆ½ vį» nĆŖn gį»i email cho ngĘ°į»i thuĆŖ nhĆ nĆ³i rƵ ngĆ y vĆ giį» khi quĆ½ vį» gį»i vĆ phįŗ£n hį»i quĆ½ vį» nhįŗn ÄĘ°į»£c (Äį» lįŗ”i mį»t tin nhįŗÆn, hį»p thĘ° thoįŗ”i Äįŗ§y, v.v.).
QuĆ½ vį» luĆ“n cįŗ§n bįŗÆt Äįŗ§u mį»t cuį»c thĘ°Ę”ng lĘ°į»£ng vį»i nhį»Æng Äiį»u quĆ½ vį» thį»±c sį»± cįŗ§n, dį»±a trĆŖn nhį»Æng gƬ doanh nghiį»p cį»§a quĆ½ vį» cĆ³ thį» hį» trį»£, chį»© khĆ“ng phįŗ£i nhį»Æng gƬ quĆ½ vį» nghÄ© rįŗ±ng bĆŖn kia cĆ³ thį» muį»n hoįŗ·c cho lĆ hį»£p lĆ½.Ā Hį» sįŗ½ cĆ³ cĘ” hį»i trįŗ£ lį»i… ÄĆ³ lĆ mį»t cuį»c thĘ°Ę”ng lĘ°į»£ng!
Thįŗ£o luįŗn vį» tƬnh hƬnh hiį»n tįŗ”i cį»§a quĆ½ vį» vĆ kįŗæ hoįŗ”ch mį» cį»a trį» lįŗ”i vį»i chį»§ nhĆ cį»§a quĆ½ vį».Ā Hį» muį»n biįŗæt nhį»Æng Äiį»u quĆ½ vį» Äang lĆ m Äį» duy trƬ hoįŗ”t Äį»ng kinh doanh vĆ thĆ nh cĆ“ng trong tĘ°Ę”ng lai. ThĆ“ng tin nĆ y cÅ©ng giĆŗp hį» lĆ m viį»c vį»i ngĘ°į»i cho vay cį»§a mƬnh.
Dį»±a trĆŖn ÄĆ”nh giĆ” cĆ” nhĆ¢n cį»§a quĆ½ vį» vį» doanh nghiį»p cį»§a mƬnh, quĆ½ vį» phįŗ£i quyįŗæt Äį»nh sį» tiį»n mƬnh cĆ³ thį» trįŗ£, do sį»± sį»„t giįŗ£m doanh thu.
CĆ”c biį»n phĆ”p tį»t nhįŗ„t ÄĘ°į»£c cĆ”c chį»§ doanh nghiį»p vĆ chį»§ nhĆ khĆ”c chia sįŗ» cho thįŗ„y chį»§ nhĆ Äang thĘ°Ę”ng lĘ°į»£ng tįŗ”m hoĆ£n trįŗ£ tiį»n thuĆŖ nhĆ trong ba thĆ”ng, nghÄ©a lĆ ngĘ°į»i thuĆŖ nhĆ sįŗ½ phįŗ£i trįŗ£ tiį»n thuĆŖ nhĆ ba thĆ”ng ÄĆ³ sau khi hį» mį» cį»a trį» lįŗ”i.
Mį»t sį» chį»§ nhĆ cĆ³ thį» cĆ³ khįŗ£ nÄng tĆ i chĆnh cho phĆ©p hį» miį» n phĆ mį»t sį» tiį»n thuĆŖ hoįŗ·c cho phĆ©p thanh toĆ”n sau khoįŗ£n tįŗ”m hoĆ£n trong ba thĆ”ng.
Mį»t sį» chį»§ nhĆ nhįŗn thį»©c ÄĘ°į»£c rįŗ±ng ngĘ°į»i thuĆŖ nhĆ sįŗ½ khĆ“ng cĆ³ Äį»§ sį» tiį»n Äį» thanh toĆ”n ba thĆ”ng tiį»n thuĆŖ nhĆ ngay sau khi mį» cį»a trį» lįŗ”i vĆ sįŗµn sĆ ng thĘ°Ę”ng lĘ°į»£ng viį»c trįŗ£ dįŗ§n cĆ”c khoįŗ£n thanh toĆ”n trong thį»i gian cĆ²n lįŗ”i cį»§a hį»£p Äį»ng thuĆŖ nhĆ .
Khoįŗ£n vay khįŗ©n cįŗ„p cį»§a SBA cĆ³ sįŗµn cho cĆ”c chį»§ sį» hį»Æu bįŗ„t Äį»ng sįŗ£n Äį» trang trįŗ£i cĆ”c khoįŗ£n thanh toĆ”n. ChĘ°Ę”ng trƬnh hiį»n ÄĆ£ phĆ¢n bį» hįŗæt ngĆ¢n quį»¹ nhĘ°ng Quį»c hį»i ÄĆ£ phĆŖ chuįŗ©n mį»t Äį»£t phĆ¢n bį» mį»i. Chį»§ nhĆ ÄĘ°į»£c khuyįŗæn nghį» thįŗ£o luįŗn vį»i cĆ”c ngĆ¢n hĆ ng cį»§a mƬnh Äį» āxįŗæp hĆ ng nhįŗnā cĆ”c quį»¹ hį» trį»£ trong tĘ°Ę”ng lai.
ChĆŗng tĆ“i tiįŗæp tį»„c theo dƵi cĆ”c nguį»n trį»£ giĆŗp mį»i tiį»m nÄng vĆ cįŗp nhįŗtĀ trĆŖn mįŗ”ng trį»±c tuyįŗæn nhį»Æng thay Äį»i cį»§a cĆ”c bĆŖn liĆŖn quan.
Tiį»n thuĆŖ nhĆ ÄĘ°į»£c quyįŗæt Äį»nh bį»i nÄng lį»±c hoįŗ”t Äį»ng (bĆ”n hĆ ng) cį»§a mį»t doanh nghiį»p.Ā Tiį»n thuĆŖ nhĆ mį»i feet vuĆ“ng ÄĘ°į»£c quyįŗæt Äį»nh bį»i doanh sį» trĆŖn mį»i feet vuĆ“ng.Ā Nįŗæu cĆ”c doanh nghiį»p khĆ“ng thįŗ„y doanh sį» tÄng trį» lįŗ”i mį»©c trĘ°į»c Äįŗ”i dį»ch, hį» sįŗ½ khĆ“ng thį» Äį»§ khįŗ£ nÄng trįŗ£ sį» tiį»n thuĆŖ nhĆ mĆ hį» ÄĆ£ trįŗ£ trĘ°į»c khi thį»±c thi lį»nh į» NhĆ . VĆ Äiį»u nĆ y sįŗ½ ÄĆŗng Äį»i vį»i tįŗ„t cįŗ£ cĆ”c doanh nghiį»p.Ā TĆ¹y viį»c doanh sį» bĆ”n hĆ ng cĆ³ thį» ra sao sau khi kįŗæt thĆŗc lį»nh tįŗ”m hoĆ£n, chį»§ nhĆ nĆŖn theo dƵi doanh sį» vĆ xem xĆ©t:
- Duy trƬ cĆ”c khĆ“ng gian luĆ“n ÄĘ°į»£c sį» dį»„ng – cĆ”c khĆ“ng gian trį»ng sįŗ½ bį» xuį»ng cįŗ„p nhanh chĆ³ng, lĆ m įŗ£nh hĘ°į»ng giĆ” trį» cho thuĆŖ vĆ doanh sį», vĆ įŗ£nh hĘ°į»ng Äįŗæn sį»± sį»ng Äį»ng vĆ tƬnh hƬnh chung cį»§a khu phį».
- CĆ¢n nhįŗÆc viį»c chuyį»n phĆ thuĆŖ nhĆ sang phįŗ§n trÄm doanh thu ba thĆ”ng mį»t trong khi theo dƵi doanh sį», duy trƬ tiį»n thuĆŖ nhĆ phĆ¹ hį»£p vį»i sį» tiį»n doanh nghiį»p thį»±c sį»± kiįŗæm ÄĘ°į»£c.
- Phį»i hį»£p vį»i nhį»Æng ngĘ°į»i thuĆŖ nhĆ vį» nhį»Æng thay Äį»i cĆ³ thį» giĆŗp hį» tuĆ¢n thį»§ cĆ”c yĆŖu cįŗ§u Äį» giį»Æ an toĆ n cho nhĆ¢n viĆŖn vĆ khĆ”ch hĆ ng, qua ÄĆ³ cho phĆ©p doanh nghiį»p hoįŗ”t Äį»ng.
- Cho Äįŗæn khi cĆ³ cĆ”ch chį»Æa trį»/Äiį»u trį» cho coronavirus, cĆ³ khįŗ£ nÄng chĆŗng ta sįŗ½ phįŗ£i chį»©ng kiįŗæn lįŗ§n lĘ°į»£t cĆ”c giai Äoįŗ”n ÄĆ³ng cį»a vƬ cĆ”c Äį»£t bĆ¹ng phĆ”t dį»ch Äį»t ngį»t, sįŗ½ įŗ£nh hĘ°į»ng Äįŗæn doanh sį» bĆ”n hĆ ng.VƬ vįŗy, viį»c linh hoįŗ”t cĆ”c Äiį»u khoįŗ£n cho ngĘ°į»i thuĆŖ nhĆ sįŗ½ rįŗ„t quan trį»ng.
- HĆ£y nhį» rįŗ±ng chĆŗng ta cĆ ng hį» trį»£ nhiį»u cho cĆ”c doanh nghiį»p mį» cį»a trį» lįŗ”i vĆ tiįŗæp tį»„c hoįŗ”t Äį»ng, sį»± phį»„c hį»i kinh tįŗæ sįŗ½ diį» n ra cĆ ng nhanh.
VƬ ÄĆ¢y lĆ mį»t mį»i quan tĆ¢m ÄĆ£ ÄĘ°į»£c gįŗÆn cį» cho giai Äoįŗ”n mį» cį»a trį» lįŗ”i, nĆŖn chĘ°a cĆ³ nhiį»u chia sįŗ» vį» cĆ”c biį»n phĆ”p tį»t nhįŗ„t, vį»i dį»Æ liį»u vį» viį»c mį» cį»a trį» lįŗ”i mį»i nhįŗn ÄĘ°į»£c tį»« Trung Quį»c vĆ ChĆ¢u Ću.
Hįŗ§u hįŗæt cĆ”c chį»§ sį» hį»Æu bįŗ„t Äį»ng sįŗ£n Äį»u Äang liĆŖn hį» vį»i ngĘ°į»i cho vay cį»§a mƬnh Äį» thįŗ£o luįŗn vį» khįŗ£ nÄng tįŗ”m hoĆ£n cĆ”c khoįŗ£n nį»£ vĆ kįŗæ hoįŗ”ch trįŗ£ dįŗ§n.
CĆ”c cuį»c thĘ°Ę”ng lĘ°į»£ng ÄĘ°į»£c thį»±c hiį»n trong tį»«ng trĘ°į»ng hį»£p cį»„ thį».
Mį»t sį» biį»n phĆ”p tį»t nhįŗ„t ÄĘ°į»£c chį»§ sį» hį»Æu bįŗ„t Äį»ng sįŗ£n chia sįŗ» lĆ :
- HĆ£y chį»§ Äį»ng vĆ tiįŗæp cįŗn vį»i ngĘ°į»i thuĆŖ nhĆ cį»§a quĆ½ vį» thĘ°į»ng xuyĆŖn. Nhiį»u ngĘ°į»i thuĆŖ nhĆ cĆ³ thį» cįŗ£m thįŗ„y sį»£ hĆ£i hoįŗ·c ÄĆ“i khi khĆ“ng biįŗæt rįŗ±ng chį»§ nhĆ sįŗµn sĆ ng hį»£p tĆ”c.
- LĆ m viį»c vį»i ngĘ°į»i thuĆŖ nhĆ cį»§a quĆ½ vį» vĆ giįŗ£i thĆch cho hį» quĆ½ vį» Äang giĆŗp hį» duy trƬ viį»c kinh doanh ra sao, hį» sįŗ½ phĆ”t triį»n mįŗ”nh vĆ cĆ³ thį» trįŗ£ tiį»n thuĆŖ nhĆ trong nhį»Æng thĆ”ng tį»i ra sao.XĆ¢y dį»±ng cĆ¢u chuyį»n vį» viį»c quĆ½ vį» sįŗ½ quįŗ£n lĆ½ khĆ“ng gian hiį»u quįŗ£ ra sao vĆ quĆ½ vį» sįŗ½ tƬm kiįŗæm doanh thu nhĘ° thįŗæ nĆ o trong mį»t thį» trĘ°į»ng khĆ³ khÄn sįŗ½ rįŗ„t quan trį»ng Äį»i vį»i cĆ”c cuį»c thįŗ£o luįŗn vį»i ngĘ°į»i cho vay.
- LiĆŖn lįŗ”c vį»i ngĘ°į»i cho vay cį»§a quĆ½ vį» vį»i nhį»Æng thĆ“ng tin thį»±c tįŗæ vĆ nhį»Æng giįŗ£i phĆ”p tiį»m nÄng. Biįŗæt quĆ½ vį» muį»n yĆŖu cįŗ§u nhį»Æng Äiį»u gƬ dį»±a trĆŖn tĆ i chĆnh vĆ cĆ”c cuį»c trĆ² chuyį»n vį»i ngĘ°į»i thuĆŖ nhĆ cį»§a quĆ½ vį».
- Mį»t sį» ngĘ°į»i cho vay Äang thĘ°Ę”ng lĘ°į»£ng tįŗ”m hoĆ£n thanh toĆ”n ba thĆ”ng vĆ trįŗ£ dįŗ§n cĆ”c khoįŗ£n thanh toĆ”n ÄĆ³ trong suį»t thį»i gian vay hoįŗ·c cį»ng thĆŖm vĆ o thį»i Äiį»m kįŗæt thĆŗc nhĘ° mį»t khoįŗ£n chį»t nį»£.
- Mį»t sį» ngĘ°į»i cho vay Äang thĘ°Ę”ng lĘ°į»£ng chį» thanh toĆ”n tiį»n lĆ£i ba thĆ”ng vĆ tiį»n gį»c ÄĘ°į»£c trįŗ£ dįŗ§n trong suį»t thį»i gian vay hoįŗ·c phįŗ£i trįŗ£ vĆ o thį»i Äiį»m kĆŖt thĆŗc.
HĆ£y chįŗÆc chįŗÆn rįŗ±ng quĆ½ vį» liĆŖn lįŗ”c tiįŗæp Äį»i vį»i tįŗ„t cįŗ£ cĆ”c trao Äį»i liĆŖn lįŗ”c cį»§a mƬnh bįŗ±ng vÄn bįŗ£n. Khi sį» dį»„ng email, quĆ½ vį» cĆ³ thį» chį»n tĆnh nÄng āÄĆ£ xem.ā
QuĆ½ vį» nĆŖn gį»i email cho chį»§ nhĆ nĆ³i rƵ ngĆ y vĆ giį» khi quĆ½ vį» gį»i vĆ phįŗ£n hį»i quĆ½ vį» nhįŗn ÄĘ°į»£c (Äį» lįŗ”i mį»t tin nhįŗÆn, hį»p thĘ° thoįŗ”i Äįŗ§y, v.v.).
HĆ£y chįŗÆc chįŗÆn rįŗ±ng quĆ½ vį» lĘ°u lįŗ”i bįŗ£n ghi bįŗ±ng vÄn bįŗ£n vį»i chį»§ nhĆ mį»t cĆ”ch chuyĆŖn nghiį»p, rƵ rĆ ng vĆ dį»±a trĆŖn thį»±c tįŗæ.
CĆ”c lį»nh tįŗ”m cįŗ„m trį»„c xuįŗ„t thĘ°Ę”ng mįŗ”i khĆ“ng chį» rƵ tĆ i liį»u cį»„ thį», chį» cĆ³ Äiį»u nĆ³ phįŗ£i lĆ ātĆ i liį»u ÄĘ°į»£c chįŗ„p nhįŗn.āĀ CĆ”c lį»nh tįŗ”m cįŗ„m khĆ“ng chį» ra rįŗ±ng chį»§ nhĆ phįŗ£i xĆ”c Äį»nh nhį»Æng tĆ i liį»u ÄĘ°į»£c chįŗ„p nhįŗn.
Äį»i vį»i vįŗ„n Äį» tĆ i liį»u nĆ y, mį»t sį» ngĘ°į»i thuĆŖ nhĆ Äang sį» dį»„ng bĆ”o cĆ”o lĆ£i vĆ lį» hoįŗ·c bįŗ£n khai hoĆ n thuįŗæ Äį» cho thįŗ„y sį»± thay Äį»i vį» doanh thu giį»Æa nÄm 2019 vĆ 2020 vĆ sį»± sį»„t giįŗ£m doanh sį» bĆ”n hĆ ng trong nÄm 2020.
NghÄ© vį» nhį»Æng cuį»c thĘ°Ę”ng lĘ°į»£ng ÄĆ³ nhĘ° mį»t viį»c sįŗ½ cĆ²n tiįŗæp diį» n vĆ tįŗp trung vĆ o giai Äoįŗ”n āį» nhĆ ā. Nhiį»u khįŗ£ nÄng lĆ trong suį»t thį»i gian xįŗ£y ra Äįŗ”i dį»ch, chį»§ nhĆ vĆ ngĘ°į»i thuĆŖ nhĆ sįŗ½ thĘ°Ę”ng lĘ°į»£ng vĆ Äiį»u chį»nh cĆ”c Äiį»u khoįŗ£n thuĆŖ nhĆ dį»±a trĆŖn mį»©c doanh sį».
Hiį»n tįŗ”i, lį»nh tįŗ”m cįŗ„m chį» bįŗ£o vį» ngĘ°į»i thuĆŖ nhĆ trong thį»i gian 90 ngĆ y vĆ ngĘ°į»i thuĆŖ nhĆ vįŗ«n phįŗ£i trįŗ£ cĆ”c khoįŗ£n tiį»n thuĆŖ nhĆ trong khoįŗ£ng thį»i gian 90 ngĆ y nĆ y.
Theo cĆ”ch viįŗæt lį»nh tįŗ”m cįŗ„m, khĆ“ng rƵ liį»u chį»§ nhĆ cĆ³ thį» bįŗÆt Äįŗ§u cĆ”c thį»§ tį»„c phĆ”p lĆ½ vį» trį»„c xuįŗ„t khį»i nhĆ ngay sau khi kįŗæt thĆŗc lį»nh tįŗ”m cįŗ„m hay khĆ“ng, ngay cįŗ£ khi ngĘ°į»i thuĆŖ nhĆ ÄĆ£ ngay lįŗp tį»©c trįŗ£ tiį»n thuĆŖ nhĆ cĆ²n nį»£.Ā ÄĆ¢y vįŗ«n lĆ lÄ©nh vį»±c phĆ”p mį»i mįŗ».
NgĘ°į»i thuĆŖ nhĆ cįŗ§n thĘ°Ę”ng lĘ°į»£ng bao nhiĆŖu trong tĘ°Ę”ng lai thį»±c sį»± phįŗ£i ÄĘ°į»£c xĆ”c Äį»nh trong tį»«ng trĘ°į»ng hį»£p cį»„ thį».Ā NhĘ°ng ngĘ°į»i thuĆŖ nhĆ ÄĘ°į»£c khuyįŗæn nghį»:
- trĆ”nh cam kįŗæt vį»i cĆ”c thį»a thuįŗn lĆ m tÄng nghÄ©a vį»„ tĆ i chĆnh chung cį»§a hį» trong suį»t thį»i gian cĆ²n lįŗ”i cį»§a hį»£p Äį»ng thuĆŖ nhĆ .
- trĆ”nh Äį»ng Ć½ vį»i cĆ”c lį»ch thanh toĆ”n rįŗ„t ngįŗÆn vƬ doanh sį» rįŗ„t cĆ³ thį» sįŗ½ thįŗ„p khi lį»nh į» NhĆ ÄĘ°į»£c dį»” bį».
Do ngĆ y dį»” bį» cĆ”c lį»nh āį» nhĆ ā vįŗ«n chĘ°a ÄĘ°į»£c xĆ”c Äį»nh, chį»§ nhĆ vĆ ngĘ°į»i thuĆŖ nhĆ sįŗ½ cįŗ§n liĆŖn lįŗ”c thĘ°į»ng xuyĆŖn. Äiį»u quan trį»ng lĆ luĆ“n luĆ“n tĆ“n trį»ng vĆ tĆch cį»±c; chį»§ nhĆ vĆ ngĘ°į»i thuĆŖ nhĆ cįŗ§n hį»£p tĆ”c rįŗ„t nhiį»u trong Äįŗ”i dį»ch nĆ y, vĆ giį»Æ gƬn mį»i quan hį» lĆ Äiį»u then chį»t.
Trong nhį»Æng thį»i khįŗÆc chĘ°a tį»«ng cĆ³ nĆ y, khĆ“ng cĆ³ nĘ”i ÄĆŗng hay sai Äį» bįŗÆt Äįŗ§u nhį»Æng cuį»c ÄĆ m phĆ”n hoįŗ·c sį» tiį»n yĆŖu cįŗ§u.
Nįŗæu quĆ½ vį» khĆ“ng tįŗ”o ra doanh thu, quĆ½ vį» cĆ³ thį» bįŗÆt Äįŗ§u cuį»c trĆ² chuyį»n bįŗ±ng cĆ”ch yĆŖu cįŗ§u giįŗ£m giĆ”/tįŗ”m hoĆ£n thanh toĆ”n tiį»n thuĆŖ nhĆ dį»±a trĆŖn nhį»Æng Äiį»u quĆ½ vį» tin rįŗ±ng cĆ³ thį» hiį»u quįŗ£ Äį»i vį»i doanh nghiį»p cį»§a mƬnh. CĆ”c vĆ dį»„ sau ÄĆ¢y ÄĆ£ ÄĘ°į»£c ngĘ°į»i thuĆŖ nhĆ vĆ chį»§ nhĆ chia sįŗ»:
- Giįŗ£m dįŗ§n toĆ n bį» sį» tiį»n thuĆŖ nhĆ , phĆ NNN, phĆ CAM hĆ ng thĆ”ng cho Äįŗæn khi cĆ”c doanh nghiį»p ÄĘ°į»£c mį» cį»a trį» lįŗ”i.
- Tįŗ”m hoĆ£n toĆ n bį» sį» tiį»n thuĆŖ nhĆ , phĆ NNN, phĆ CAM trong thį»i gian thį»±c thi lį»nh tįŗ”m cįŗ„m trį»„c xuįŗ„t thĘ°Ę”ng mįŗ”i vĆ yĆŖu cįŗ§u kĆ©o dĆ i thį»i hįŗ”n hį»£p Äį»ng thuĆŖ nhĆ bįŗ±ng khoįŗ£ng thį»i gian tįŗ”m hoĆ£n tiį»n thuĆŖ vĆ trįŗ£ cĆ”c khoįŗ£n tiį»n thuĆŖ nhĆ ÄĘ°į»£c hoĆ£n vĆ o cuį»i hį»£p Äį»ng thuĆŖ nhĆ .
- Tįŗ”m hoĆ£n toĆ n bį» sį» tiį»n thuĆŖ nhĆ , phĆ NNN, phĆ CAM, vį»i giĆ” trį» cį»§a cĆ”c khoįŗ£n thanh toĆ”n trįŗ£ chįŗm ÄĘ°į»£c trįŗ£ dįŗ§n trong suį»t thį»i gian cĆ²n lįŗ”i cį»§a hį»£p Äį»ng thuĆŖ nhĆ .
- Tįŗ”m hoĆ£n toĆ n bį» sį» tiį»n thuĆŖ nhĆ , phĆ NNN, phĆ CAM, vį»i giĆ” trį» cį»§a cĆ”c khoįŗ£n thanh toĆ”n trįŗ£ chįŗm phįŗ£i trįŗ£i trong mį»t khoįŗ£ng thį»i gian ngįŗÆn hĘ”n.(Thį»i gian cĆ ng kĆ©o dĆ i thƬ cĆ ng tį»t cho ngĘ°į»i thuĆŖ nhĆ .)
Nįŗæu doanh nghiį»p cį»§a quĆ½ vį» Äang tįŗ”o doanh thu, quĆ½ vį» cĆ³ thį» thĘ°Ę”ng lĘ°į»£ng vį»i chį»§ nhĆ Äį» thanh toĆ”n mį»t phįŗ§n dį»±a trĆŖn tį»· lį» phįŗ§n trÄm doanh thu mĆ doanh nghiį»p cį»§a quĆ½ vį» hiį»n Äang tįŗ”o ra.
YĆŖu cįŗ§u bįŗ±ng vÄn bįŗ£n, thĆ“ng cįŗ£m vį»i hoĆ n cįŗ£nh cį»§a chį»§ nhĆ (hį» cĆ³ thį» Äang cĆ³ cĆ”c cuį»c thįŗ£o luįŗn giį»ng vįŗy vį»i ngĘ°į»i cho vay cį»§a hį») vĆ bĆ”m sĆ”t thį»±c tįŗæ vĆ cĆ”c con sį» thay vƬ cįŗ£m xĆŗc.
Äįŗæn nay, chį»§ nhĆ ÄĆ£ cĆ³ mį»t loįŗ”t cĆ”c cĆ¢u trįŗ£ lį»i khĆ”c nhau. Mį»t sį» ngĘ°į»i giįŗ£m hįŗ”n chįŗæ hoįŗ·c mį»t phįŗ§n, vĆ mį»t sį» ngĘ°į»i giįŗ£m toĆ n bį». Kįŗæt quįŗ£ thį»±c sį»± khĆ”c nhau Äį»i vį»i tį»«ng trĘ°į»ng hį»£p cį»„ thį».
Khi quĆ½ vį» thĘ°Ę”ng lĘ°į»£ng vį»i chį»§ nhĆ , hĆ£y nghÄ© vį» nhį»Æng ngĘ°į»i cĆ³ thį» giĆŗp quĆ½ vį» trong viį»c cį» vįŗ„n vį» phĆ”p lĆ½, kįŗæ toĆ”n hoįŗ·c mĆ“i giį»i.Ā Prosper Portland vĆ cĆ”c tį» chį»©c khĆ”c cĆ³ danh sĆ”ch cĆ”c nguį»n trį»£ giĆŗp cĆ³ sįŗµn, tį»« cĆ”c video vį»i cĆ”c chuyĆŖn gia trong lÄ©nh vį»±c nĆ y Äįŗæn cĆ”c mįŗ«u thĘ°.
KhĆ“ng! Lį»nh tįŗ”m cįŗ„m trį»„c xuįŗ„t khĆ“ng cĆ³ nghÄ©a lĆ quĆ½ vį» khĆ“ng phįŗ£i thanh toĆ”n tiį»n thuĆŖ nhĆ . NgĘ°į»i thuĆŖ vįŗ«n phįŗ£i chį»u trĆ”ch nhiį»m Äį»i vį»i tiį»n thuĆŖ nhĆ mĆ hį»£p Äį»ng cho thuĆŖ yĆŖu cįŗ§u. ÄĆ³ lĆ lĆ½ do tįŗ”i sao Äiį»u quan trį»ng lĆ ngĘ°į»i thuĆŖ nhĆ phįŗ£i liĆŖn lįŗ”c cį»i mį» vĆ thĘ°į»ng xuyĆŖn vį»i chį»§ nhĆ , vĆ Äįŗ£m bįŗ£o cĆ”c thį»a thuįŗn vį»i chį»§ nhĆ cĆ³ nguį»n gį»c giįŗ„y tį» bįŗ±ng vÄn bįŗ£n.
- Thį»ng Äį»c Brown ban hĆ nh Lį»nh Tįŗ”m Cįŗ„m Trį»„c xuįŗ„t ThĘ°Ę”ng mįŗ”i vĆ o ngĆ y 1 ThĆ”ng TĘ°, 2020 nhįŗ±m bįŗ£o vį» nhį»Æng ngĘ°į»i thuĆŖ nhĆ bį» sį»„t giįŗ£m doanh thu ÄĆ”ng kį» do lį»nh āį» NhĆ Äį» Cį»©u nhiį»u Mįŗ”ng ngĘ°į»iā khį»i bį» trį»„c xuįŗ„t khį»i nhĆ .
- Lį»nh cĆ³ hiį»u lį»±c trong khoįŗ£ng thį»i gian 90 ngĆ y kį» tį»« ngĆ y thi hĆ nh.
- Chį»§ nhĆ khĆ“ng ÄĘ°į»£c phĆ©p tĆnh tiį»n phĆ trįŗ£ muį»n Äį»i vį»i khoįŗ£n thanh toĆ”n tiį»n thuĆŖ muį»n trong cĆ¹ng thį»i gian nĆ y.
- Vįŗ«n phįŗ£i trįŗ£ cĆ”c khoįŗ£n tiį»n thuĆŖ nhĆ trong khoįŗ£ng thį»i gian nĆ y, cĆ¹ng vį»i cĆ”c khoįŗ£n phĆ bį» sung cį»„ thį» cho cĆ”c hį»£p Äį»ng thuĆŖ, chįŗ³ng hįŗ”n nhĘ° cĆ”c tiį»n Ćch vĆ thuįŗæ (nįŗæu cĆ³).
- NgĘ°į»i thuĆŖ nhĆ phįŗ£i cho thįŗ„y bįŗ±ng chį»©ng vį» sį»± sį»„t giįŗ£m doanh thu do nhį»Æng hįŗ”n chįŗæ cį»§a chĆnh phį»§.
Muchos inquilinos no se sienten cĆ³modos al hablar con los propietarios si saben que no pueden pagar el alquiler.Ā AsegĆŗrate de que los inquilinos sepan que los valoras, que quieres que tengan Ć©xito y que quieres ayudar para que todo funcione. Eso puede ayudar a la comunicaciĆ³n.
AsegĆŗrate de hacer un seguimiento de la comunicaciĆ³n por escrito. Cuando envĆes un correo electrĆ³nico, puedes solicitar una Ā«confirmaciĆ³n de lecturaĀ».
Se recomienda que envĆes un correo electrĆ³nico al inquilino con el dĆa y la hora en que llamas, y la respuesta que recibiste (deje un mensaje, el buzĆ³n de voz estaba lleno, etc.).
Siempre debes comenzar la negociaciĆ³n con lo que realmente necesitas, segĆŗn lo que tu negocio pueda soportar, no segĆŗn lo que crees que el otro puede querer o percibir como razonable.Ā TendrĆ”n la posibilidad de responder… Ā”es una negociaciĆ³n!
Analiza tu situaciĆ³n actual y tus planes de reapertura con el propietario.Ā Quieren saber quĆ© haces para mantenerte en el mercado y prosperar en el futuro. Esta informaciĆ³n tambiĆ©n los ayuda con los prestamistas.
SegĆŗn tu evaluaciĆ³n personal del negocio, debes decidir cuĆ”nto puedes pagar debido a las pĆ©rdidas en los ingresos.
Algunos buenos ejemplos compartidos por otros dueƱos de negocios y propietarios muestran que los propietarios negocian tres meses de prĆ³rroga; esto significa que los inquilinos tendrĆ”n que pagar los tres meses despuĆ©s de reabrir.
Algunos propietarios que tienen los medios econĆ³micos permiten a algunos no pagar el alquiler o descuentan los tres meses de prĆ³rroga para que paguen despuĆ©s.
Algunos propietarios son conscientes de que algunos inquilinos no tendrƔn disponible la totalidad de los tres meses de renta atrasada apenas reabran y estƔn dispuestos a negociar pagos amortizados por lo que resta del contrato.
El prĆ©stamo de emergencia de la administraciĆ³n de pequeƱos negocios (SBA) estaba disponible para los propietarios para cubrir los pagos. Ya se asignĆ³ toda la ayuda, pero el Congreso aprobĆ³ una nueva adjudicaciĆ³n. Se sugiere que los propietarios se comuniquen con los bancos para Ā«sacar turnoĀ» para los prĆ³ximos fondos.
Seguimos controlando los posibles nuevos recursos y actualizamos los cambios de nuestros interesados en lĆnea.
Los alquileres se basan en la capacidad de desarrollo (ventas) del negocio.Ā El alquiler por metro cuadrado se determina segĆŗn las ventas por metro cuadrado.Ā Si en los negocios no se ve que las ventas se disparen a niveles prepandĆ©micos, no se podrĆ” pagar el mismo alquiler que se pagaba antes de la orden de quedarse en casa. Y esto sucederĆ” en todos los negocios.Ā Teniendo en cuenta el nivel de las ventas despuĆ©s del final de la moratoria, los propietarios deben controlar las ventas y considerar:
- Mantener espacios ocupados, los lugares vacĆos se deterioran rĆ”pido, perjudican el valor del alquiler y la venta, y afectan a la vitalidad y prosperidad general del barrio.
- Cambiar los gastos de los alquileres a un porcentaje de ventas durante tres meses seguidos mientras se controlan las ventas y mantener el alquiler segĆŗn las ganancias reales de los negocios.
- Colaborar con los inquilinos con los cambios que puedan ayudarles a cumplir con los requisitos para que los empleados y clientes estƩn seguros y, que, de esa forma, el negocio pueda funcionar.
- Hasta que se encuentre una cura o tratamiento para el coronavirus, es posible que presenciemos perĆodos de cierres con la apariciĆ³n de nuevos brotes que impactarĆ”n en las ventas.Por lo tanto, la flexibilidad con los inquilinos serĆ” fundamental.
- Recuerda que mientras mayor sea el apoyo para que reabran los negocios y sigan con el funcionamiento, mĆ”s rĆ”pido se recuperarĆ” la economĆa.
Como esta preocupaciĆ³n surgiĆ³ para el perĆodo de reapertura, aĆŗn no hay mucha informaciĆ³n sobre cĆ³mo proceder, ya que solo hay informaciĆ³n sobre la reapertura de China y Europa.
La mayorĆa de los propietarios se ponen en contacto con sus prestamistas para analizar posibles indulgencias de prĆ©stamo y planes de amortizaciĆ³n de los pagos.
Las negociaciones se llevaron a cabo segĆŗn cada caso.
Algunas de las mejores ideas que compartieron los propietarios son:
- Ser proactivo y comunicarse con los inquilinos con frecuencia. Muchos inquilinos pueden sentirse intimidados o incluso no saben que los propietarios desean colaborar.
- Trabajar con los inquilinos y elaborar un plan sobre cĆ³mo seguirĆ” el negocio, cĆ³mo prosperarĆ” y cĆ³mo se podrĆ” pagar el alquiler en los prĆ³ximos meses.Elaborar un plan donde se muestre lo bien que se gestionarĆ” el espacio y cĆ³mo se obtendrĆ”n ingresos en un mercado hostil serĆ” fundamental en las discusiones con los prestamistas.
- ComunĆcate con los prestamistas con datos y posibles soluciones. Ten en cuenta lo que deseas pedir segĆŗn tus finanzas y conversaciones con los inquilinos.
- Algunos prestamistas negocian una prĆ³rroga de tres meses de pago y amortizan esos pagos durante todo el prĆ©stamo o aƱadiĆ©ndolo al final como un pago global.
- Algunos prestamistas negocian tres meses de pagos de interƩs solamente con el capital amortizado durante todo prƩstamo o pagable al final.
AsegĆŗrate de hacer un seguimiento de la comunicaciĆ³n por escrito. Cuando envĆes un correo electrĆ³nico, puedes solicitar una Ā«confirmaciĆ³n de lecturaĀ».
Se recomienda que envĆes un correo electrĆ³nico al propietario con el dĆa y la hora en que llamas, y la respuesta que recibiste (dejĆ© un mensaje, el buzĆ³n de voz estaba lleno, etc.).
AsegĆŗrate de que el registro escrito con el propietario sea profesional, claro y basado en hechos.
La moratoria de desalojo comercial no detalla la documentaciĆ³n especĆfica, solo que debe ser Ā«documentaciĆ³n aceptableĀ».Ā En la moratoria no se seƱala que el propietario deba determinar quĆ© es aceptable.
A modo de referencia, algunos inquilinos utilizan las declaraciones de pĆ©rdidas y ganancias o las declaraciones de impuestos para mostrar el cambio de ingresos entre 2019 y 2020, y la caĆda de las ventas que se produjo en 2020.
Aborda esas negociaciones con frecuencia y concĆ©ntrate en el perĆodo de Ā«QuĆ©date en casaĀ». Es posible que, mientras dure la pandemia, los propietarios y los inquilinos hagan negociaciones y ajustes en los tĆ©rminos del contrato segĆŗn el nivel de ventas.
Actualmente, la moratoria solo protege a los inquilinos durante el perĆodo de 90 dĆas y el alquiler de esos 90 dĆas sigue pendiente.
Por la forma en que la moratoria estĆ” redactada, no queda claro si un propietario podrĆa iniciar un procedimiento de desalojo inmediatamente despuĆ©s del fin de la moratoria, incluso si un inquilino pagara inmediatamente el alquiler atrasado.Ā Este es todavĆa un territorio legal desconocido.
La cantidad a negociar en el futuro se determinarĆ” segĆŗn cada caso.Ā Pero se sugiere a los inquilinos:
- Evitar comprometerse con acuerdos que incrementen su obligaciĆ³n financiera general durante el resto del contrato.
- Evitar programas de pago de plazos muy cortos, ya que se espera que las ventas sean bajas cuando se levante la orden de Ā«QuĆ©date en casaĀ».
Como no se ha determinado una fecha para levantar las Ć³rdenes de Ā«quĆ©date en casaĀ», los propietarios e inquilinos deberĆ”n comunicarse con frecuencia. Durante la pandemia, los propietarios e inquilinos estarĆ”n en continua colaboraciĆ³n; por lo que es importante ser siempre respetuoso y positivo, y preservar la relaciĆ³n es esencial.
Como se trata de una situaciĆ³n sin precedentes, no hay una postura correcta o incorrecta para comenzar las negociaciones o el monto a negociar.
Si no estĆ”s generando ingresos, puedes comenzar la conversaciĆ³n pidiendo una reducciĆ³n o prĆ³rroga del alquiler, segĆŗn lo que creas que pueda funcionar para tu negocio. Inquilinos y propietarios compartieron los siguientes ejemplos:
- Alquiler completo, triple contrato neto (NNN), reducciĆ³n de los cargos de mantenimiento de Ć”reas comunes (CAM) mes a mes hasta la reapertura de negocios.
- Alquiler completo, NNN, prĆ³rroga de los CAM durante el perĆodo de la moratoria de desalojo comercial y pedir que el contrato se prorrogue por el perĆodo de alquiler diferido y que dichos pagos de alquiler diferido se agreguen al final del contrato.
- Alquiler completo, NNN, prĆ³rroga de los CAM, con el valor de los pagos diferidos amortizados durante el resto del contrato.
- Alquiler completo, NNN, prĆ³rroga de los CAM con el valor de los pagos diferidos durante un perĆodo de tiempo menor.(Mientras mĆ”s tiempo, mejor para los inquilinos).
Si tu negocio genera ingresos, podrĆas negociar con el propietario para hacer pagos parciales segĆŗn el porcentaje de ventas que haces actualmente.
Guarda tus preguntas por escrito, sĆ© comprensivo con la situaciĆ³n del propietario (pueden estar teniendo las mismas discusiones con sus prestamistas) y apela a los hechos y los nĆŗmeros en lugar de la emociĆ³n.
Los propietarios dieron diversas respuestas hasta la fecha. Algunos ofrecen una ayuda limitada o parcial y otros una ayuda total. Los resultados varĆan segĆŗn cada caso.
Al negociar con el propietario, piensa quiĆ©n puede ayudar con la asesorĆa legal, financiera y de corretaje.Ā ProsperĀ Portland y otras organizaciones tienen listados de recursos disponibles, desde videos de profesionales en el rubro hasta modelos de cartas.
No! La moratoria de desalojo no exime en absoluto el pago del alquiler. Los inquilinos siguen siendo responsables del alquiler que exige el contrato. Por eso es importante que los inquilinos tengan una comunicaciĆ³n abierta y continua con los propietarios, y tambiĆ©n deben asegurarse de que los acuerdos con los propietarios queden por escrito.
- La Moratoria de Desalojo Comercial emitida el 1 de abril de 2020 por el gobernador Brown protege del desalojo a los inquilinos que sufran una pĆ©rdida significativa de los ingresos debido a las Ć³rdenes de Ā«QuĆ©date en casa, salva vidasĀ».
- La orden tiene vigencia por un perĆodo de 90 dĆas desde su emisiĆ³n.
- Los propietarios no estĆ”n autorizados a cobrar recargos por demoras en el pago del alquiler durante este perĆodo.
- El alquiler de este perĆodo sigue pendiente, junto con los gastos adicionales especĆficos de los contratos, como los servicios pĆŗblicos y los impuestos (si corresponde).
- Los inquilinos deben demostrar evidencia de la pƩrdida de ingresos por las restricciones gubernamentales.
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Many tenants are afraid to talk to their landlords if they canāt pay rent.Ā Make sure you let your tenants know you value them, that you want them to succeed, and that you want to be a partner to help make this work. That may help get them talking.
Make sure you follow up all your communication in writing. When using email, you may want to choose a āread receipt,ā
It is recommended that you email your tenant stating the day and time when you call and the response you got (left a message, voicemail full, etc).
You should always start a negotiation with what you really need, based on what your business can support, not what you think the other side might want or perceive as being reasonable.Ā They will have the opportunity to respondā¦ itās a negotiation!
Discuss your current situation and plans for reopening with your landlord.Ā They want to know what you are doing to stay in business and succeed in the future. This information also helps them with their lenders.
Based on your personal assessment of your business, you must decide how much you can afford to pay, due to losses in revenue.
Best practices shared by other business owners and landlords indicate that landlords are negotiating three months of deferral, meaning tenants will have to pay the three months after they reopen.
Some landlords who may have the financial means are allowing for some free rent or discounting the three months deferral to be paid later.
Some landlords are aware that tenants will not have the full three months of back rent available right after reopening and are willing to negotiate payments amortized through the remainder of the lease.
The SBA emergency loan was available for property owners to cover payments. The program is currently fully allocated but a new allocation has been approved by Congress. It is suggested that landlords discuss with their banks to āget in lineā for the future funds.
We continue to monitor potential new resources and update our stakeholdersā changes come online.
Rents are driven by the capacity of a business to perform (sell).Ā Rent per square foot is driven by sales per square foot.Ā If businesses do not see sales rebound to pre-pandemic levels, they will not be able to afford the same rent they were paying prior to the Stay Home order. And this will be true for all businesses.Ā Given where sales are likely to be after the end of the moratorium, landlords should monitor sales and consider:
- Keeping spaces occupied – vacant spaces deteriorate quickly, hurt lease and sales values, and affect the vibrancy and overall health of the neighborhood.
- Consider moving rent charges to a percentage of sales for three months at a time while monitoring sales, keeping rent in line with what businesses are actually earning.
- Collaborate with tenants regarding changes that may help them comply with requirements to keep employees and customers safe, therefore allowing the business to operate.
- Until there is a cure/treatment for the coronavirus, it is likely we will see rolling periods of closures as outbreaks flare, which will impact sales. So flexible terms with tenants will be critical.
- Remember that the more we can support businesses to reopen and continue operations, the faster the economic recovery will be.
Since this is a concern that has been flagged for the re-opening period, not much has been shared in terms of best practices yet, with data on reopening just now coming from China and Europe.
Most property owners are contacting their lenders to discuss potential loan forbearances and plans for payment amortization.
Negotiations have been happening on a case-by-case basis.
Some of the best practices shared by property owners are:
- Be proactive and reach out to your tenants frequently. Many tenants may feel intimidated or sometimes are unaware that landlords are willing to collaborate.
- Work with your tenants and build a case for how you are keeping them in business, how they will thrive and be able to pay rent in the months ahead. Building this story of how well you will manage the space and how you will find revenue in a tough market will be critical to lender discussions.
- Contact your lenders with facts and potential solutions. Know what you want to ask for based on your financials and conversations with your tenants.
- Some lenders are negotiating three months of payment deferral and amortizing those payments through the life of the loan or adding it at the end as a balloon payment.
- Some lenders are negotiating three months of interest-only payments with principal either amortized through the life of the loan or payable at the end.
Make sure you follow up all your communication in writing. When using email, you may want to choose a āread receipt.ā
It is recommended that you email your landlord stating the day and time when you call and the response you got (left a message, voicemail full, etc).
Make sure you keep the written record with your landlord professional, clear, and fact-based.
The commercial eviction moratorium does not spell out specific documentation, only that it should be āacceptable documentation.āĀ The moratorium does not indicate that it is the landlordās job to determine what is acceptable.
For documentation purposes, some tenants are using profit and loss statements or tax returns to show the change of revenue between 2019 and 2020, and the drop-off in sales that occurred in 2020.
Approach those negotiations as ongoing and focus on the āStay homeā period. It is likely that over the duration of the pandemic, landlords and tenants will be negotiating and adjusting lease terms based on sales levels.
Currently, the moratorium only protects tenants during the 90-day period and rent for those 90 days is still due.
The way the moratorium is written, it is unclear whether a landlord could start eviction proceedings immediately after the end of the moratorium, even if a tenant made up the back rent immediately.Ā This is still uncharted legal territory.
How much to negotiate into the future really has to be determined on a case-by-case basis.Ā But it is suggested that tenants:
- avoid committing to agreements that raise their overall financial obligation during the remaining life of the lease.
- avoid repayment schedules that are very short since sales will most likely be low when the Stay Home order is lifted.
Since a date to lift the āstay homeā orders have not been determined, landlords and tenants will need to communicate on an ongoing basis. It is important to always be respectful and positive; landlords and tenants are going to be collaborating a lot during this pandemic, and relationship preservation is key.
In these unprecedented times, there is no right or wrong place to start negotiations or amount to ask for.
If you are generating no revenue, you may start the conversation by asking for rent abatement/deferrals based on what you believe can work for your business. The following examples have been shared by tenants and landlords:
- Full rent, NNN, CAM abatement on a month-by-month basis until businesses are reopened.
- Full rent, NNN, CAM deferral for the period of the commercial eviction moratorium and ask the lease to be extended by the period of deferred rent and have those deferred rental payments tacked onto the end of the lease.
- Full rent, NNN, CAM deferral, with the value of the deferred payments amortized over the remaining life of the lease.
- Full rent, NNN, CAM deferral, with the value of the deferred payments over a shorter period of time.(The longer the better for tenants.)
If your business is generating revenue, you could negotiate with your landlord to make partial payments based on the percentage of sales your business currently generates.
Keep your asks in writing, be sympathetic to your landlordās situation (they may be having the same discussions with their lenders) and stick to facts and numbers instead of emotion.
Landlords have had a wide range of responses to date. Some are offering limited or partial relief, and some full abatements. Outcomes really vary on a case-by-case basis.
As you are negotiating with your landlord, please do think about who can help you with legal, accounting or brokerage advice. We have compiled some lease negotiation resources at the top of this page.
No! The eviction moratorium does not excuse rent payment at all. Tenants are still liable for rent their lease requires. That is why it is important for tenants to have open and continuous communication with landlords, and make sure agreements with landlords have a written paper trail.
- The Commercial Eviction Moratorium issued on April 1, 2020 by Governor Brown protects tenants suffering significant loss of revenue due to the āStay Home, Save Livesā orders from being evicted.
- The order remains in effect for a period of 90 days from the executed day.
- Landlords are not allowed to charge late fees for late rent during this same period.
- The rent for this period is still due, along with additional charges specific to the leases, such as utilities and taxes (if applicable).
- Tenants must show evidence of revenue loss due to the governmental restrictions.
Need additional support? Please contact the City of Portland information line at 503-823-4000.
Customer Service Representatives are available to provide City and County information and referral services Monday-Friday 8:00 am-5:00 pm. Staff are trained on and knowledgeable about a wide range of government services and regional resources related to the COVID-19 outbreak.
We are with you. Our hearts go out to everyone directly and indirectly impacted by the current health crisis. We will continue to update resources regularly. We are in this together, and we will get through it.
If you have any recommendations or questions, please submit them here.
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