{"id":33533,"date":"2025-05-01T11:11:37","date_gmt":"2025-05-01T08:11:37","guid":{"rendered":"https:\/\/nevbook.ru\/?p=33533"},"modified":"2025-11-07T18:37:43","modified_gmt":"2025-11-07T15:37:43","slug":"finansovaya-gramotnost-mozhno-li-oformit-rassrochku-esli-u-menya-stoit-samozapret","status":"publish","type":"post","link":"https:\/\/nevbook.ru\/?p=33533","title":{"rendered":"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e\u0441\u0442\u044c: \u00ab\u041c\u043e\u0436\u043d\u043e \u043b\u0438 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443, \u0435\u0441\u043b\u0438 \u0443 \u043c\u0435\u043d\u044f \u0441\u0442\u043e\u0438\u0442 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442?\u00bb"},"content":{"rendered":"<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-33534\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/zagruzhennoe-300x170.jpg\" alt=\"\" width=\"484\" height=\"274\" srcset=\"https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/zagruzhennoe-300x170.jpg 300w, https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/zagruzhennoe.jpg 589w\" sizes=\"(max-width: 484px) 100vw, 484px\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-33535\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/i-300x300.webp\" alt=\"\" width=\"122\" height=\"122\" srcset=\"https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/i-300x300.webp 300w, https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/i-150x150.webp 150w, https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/i.webp 650w\" sizes=\"(max-width: 122px) 100vw, 122px\" \/>\u0421\u043c\u043e\u0436\u0435\u0442\u0435 \u0432\u044b \u0432\u0437\u044f\u0442\u044c \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u0438\u043b\u0438 \u043d\u0435\u0442, \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0434\u0432\u0443\u0445 \u0444\u0430\u043a\u0442\u043e\u0440\u043e\u0432 \u2014 \u0442\u0438\u043f\u0430 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0438 \u0438 \u0442\u0438\u043f\u0430 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442\u0430.<\/p>\n<h5 style=\"text-align: center;\">\ud83d\udca5<strong><span style=\"color: #3366ff;\">\u0414\u0430\u0432\u0430\u0439\u0442\u0435 \u0440\u0430\u0437\u0431\u0435\u0440\u0435\u043c\u0441\u044f, \u043a\u0430\u043a \u044d\u0442\u043e \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442<\/span><\/strong> \ud83d\udca5<\/h5>\n<p>\ud83d\udccc\u0420\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430 \u043e\u0442 \u0431\u0430\u043d\u043a\u0430 \u0438\u043b\u0438 \u041c\u0424\u041e = \u043a\u0440\u0435\u0434\u0438\u0442 \u0438\u043b\u0438 \u0437\u0430\u0435\u043c<br \/>\n\u0421\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442 \u043d\u0430 \u0442\u0430\u043a\u0443\u044e \u043a\u0430\u043a-\u0431\u044b-\u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u044f\u0435\u0442\u0441\u044f. \u0415\u0441\u043b\u0438 \u0447\u0435\u043b\u043e\u0432\u0435\u043a \u0437\u0430\u043f\u0440\u0435\u0442\u0438\u043b \u0431\u0440\u0430\u0442\u044c \u0437\u0430\u0439\u043c\u044b \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u044b \u043d\u0430 \u0441\u0432\u043e\u0435 \u0438\u043c\u044f \u0438 \u043e\u043d\u043b\u0430\u0439\u043d, \u0438 \u043e\u0444\u043b\u0430\u0439\u043d, \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u0442\u0430\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436 \u043d\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0441\u044f.<\/p>\n<p>\u041f\u0440\u0438 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u043d\u0430 \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u043c\u043e\u0436\u043d\u043e \u0432\u0437\u044f\u0442\u044c \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u0432 \u043e\u0444\u043b\u0430\u0439\u043d-\u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0435, \u043d\u043e \u0435\u0441\u0442\u044c \u043d\u0435\u043e\u0447\u0435\u0432\u0438\u0434\u043d\u044b\u0439 \u043d\u044e\u0430\u043d\u0441:<\/p>\n<h5 style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-33494 alignleft\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/04\/img_680b335078474.jpg\" alt=\"\" width=\"82\" height=\"90\" \/><\/h5>\n<h5 style=\"text-align: center;\"><span style=\"color: #00ff00;\">\u0412 \u043f\u0440\u0438\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u043a\u0430 \u0431\u0430\u043d\u043a\u0430 \u0438\u043b\u0438 \u041c\u0424\u041e \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u043c\u043e\u0436\u043d\u043e. <\/span><br \/>\n<span style=\"color: #00ff00;\">\u041e\u0434\u043d\u0430\u043a\u043e \u0435\u0441\u043b\u0438 \u0435\u0435 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u043c\u0430\u0433\u0430\u0437\u0438\u043d),<br \/>\n\u0442\u043e \u0442\u0430\u043a\u0430\u044f \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430 \u043f\u0440\u0438\u0440\u0430\u0432\u043d\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043a \u043e\u043d\u043b\u0430\u0439\u043d-\u043a\u0440\u0435\u0434\u0438\u0442\u0443 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u0435\u0451<br \/>\n<em>\u00a0<span style=\"color: #ffffff;\"> \u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430\u0430<\/span>\u043d\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0441\u044f. <\/em><\/span>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"wp-image-33494 alignright\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/04\/img_680b335078474.jpg\" alt=\"\" width=\"85\" height=\"93\" \/><\/h5>\n<p>&nbsp;<\/p>\n<p>\ud83d\udccc\u0420\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430 \u043e\u0442 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u0430 \u0438\u043b\u0438 BNPL-\u0441\u0435\u0440\u0432\u0438\u0441 (\u043e\u043f\u043b\u0430\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0447\u0430\u0441\u0442\u044f\u043c\u0438)<br \/>\n\u0412 \u044d\u0442\u043e\u043c \u0441\u043b\u0443\u0447\u0430\u0435 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442 \u043d\u0435 \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u0435\u0442, \u0442\u0430\u043a\u043e\u0439 \u0441\u0435\u0440\u0432\u0438\u0441 \u043d\u0435 \u0441\u0447\u0438\u0442\u0430\u0435\u0442\u0441\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u043e\u043c <img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-33537\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/6333130441-300x286.jpg\" alt=\"\" width=\"52\" height=\"50\" srcset=\"https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/6333130441-300x286.jpg 300w, https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/6333130441-1024x976.jpg 1024w, https:\/\/nevbook.ru\/wp-content\/uploads\/2025\/05\/6333130441.jpg 1416w\" sizes=\"(max-width: 52px) 100vw, 52px\" \/>\u043f\u043b\u0430\u0442\u0435\u0436 \u043c\u043e\u0436\u043d\u043e \u0440\u0430\u0437\u0434\u0435\u043b\u0438\u0442\u044c.<\/p>\n<h5 style=\"text-align: center;\">\ud83d\udca5<strong><span style=\"color: #3366ff;\">\u0427\u0435\u043c \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430 \u043e\u0442 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u0430 \u043e\u0442\u043b\u0438\u0447\u0430\u0435\u0442\u0441\u044f \u043e\u0442 BNPL-\u0441\u0435\u0440\u0432\u0438\u0441\u0430?<\/span><\/strong>\ud83d\udca5<\/h5>\n<h5><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-33494\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/04\/img_680b335078474.jpg\" alt=\"\" width=\"43\" height=\"47\" \/><span style=\"color: #00ff00;\"><strong>\u041e\u0431\u044b\u0447\u043d\u0430\u044f \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0430 \u043e\u0442 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u0430 = \u043e\u043f\u043b\u0430\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0447\u0430\u0441\u0442\u044f\u043c\u0438 \u0431\u0435\u0437 \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b. \u0421\u0435\u0439\u0447\u0430\u0441 \u0432\u0441\u0442\u0440\u0435\u0447\u0430\u0435\u0442\u0441\u044f \u0440\u0435\u0434\u043a\u043e.\u00a0<\/strong><\/span><br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-33494\" src=\"http:\/\/nevbook.ru\/wp-content\/uploads\/2025\/04\/img_680b335078474.jpg\" alt=\"\" width=\"42\" height=\"46\" \/>\u00a0<span style=\"color: #00ff00;\">BNPL \u0441\u0435\u0440\u0432\u0438\u0441 = \u0442\u043e\u0436\u0435 \u043e\u043f\u043b\u0430\u0442\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0447\u0430\u0441\u0442\u044f\u043c\u0438 \u0438 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0431\u0435\u0437 \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b:<\/span><\/h5>\n<ul>\n<li><span style=\"text-align: right;\">\u00a0 <span style=\"color: #000080;\">BNPL-\u0441\u0435\u0440\u0432\u0438\u0441\u044b \u0438\u043d\u043e\u0433\u0434\u0430 \u0431\u0435\u0440\u0443\u0442 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044e \u0432 \u0441\u0447\u0435\u0442 \u043e\u0434\u043d\u043e\u0433\u043e \u0438\u0437 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/span><\/span><\/li>\n<li><span style=\"text-align: right; color: #000080;\">\u0421\u0443\u043c\u043c\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0440\u0430\u0437\u0431\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u0434\u043e 4 \u0447\u0430\u0441\u0442\u0438, \u0430 \u043d\u0435 \u043d\u0430 6 \u0438\u043b\u0438 12 \u043c\u0435\u0441\u044f\u0446\u0435\u0432<\/span><\/li>\n<li><span style=\"color: #000080;\"><span style=\"text-align: right;\">\u0423 \u043f\u043e\u043a\u0443\u043f\u043e\u043a \u0447\u0435\u0440\u0435\u0437 BNPL \u0435\u0441\u0442\u044c \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0439 \u043b\u0438\u043c\u0438\u0442 \u2014 \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044c <\/span>\u043c\u043e\u0436\u0435\u0442\u043f\u043e\u0442\u0440\u0430\u0442\u0438\u0442\u044c \u043d\u0435 \u0431\u043e\u043b\u0435\u0435 30 \u0442\u044b\u0441\u044f\u0447<\/span><\/li>\n<li><span style=\"text-align: right; color: #000080;\">\u0412 \u043e\u0434\u043d\u043e\u043c BNPL-\u0441\u0435\u0440\u0432\u0438\u0441\u0435 \u043c\u043e\u0436\u043d\u043e \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0432 \u0440\u0430\u0437\u043d\u044b\u0445 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0430\u0445.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: center;\"><strong><span style=\"color: #ff0000;\"><img loading=\"lazy\" decoding=\"async\" class=\"\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/14.0.0\/svg\/1f31f.svg\" alt=\"\ud83c\udf1f\" width=\"21\" height=\"21\" \/><span style=\"color: #0000ff;\">\u041d\u043e \u0438\u043d\u043e\u0433\u0434\u0430 \u043f\u043e\u0434 \u0442\u0430\u043a\u0438\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u044b \u043c\u0430\u0441\u043a\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u044b. <\/span><\/span><\/strong><br \/>\n<span style=\"color: #0000ff;\"><strong>\u041f\u043e\u044d\u0442\u043e\u043c\u0443 \u043f\u0435\u0440\u0435\u0434 \u043e\u043f\u043b\u0430\u0442\u043e\u0439 \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0447\u0430\u0441\u0442\u044f\u043c\u0438 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e \u0441\u0432\u0435\u0440\u044f\u0439\u0442\u0435\u0441\u044c \u0441 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u043c \u0438 \u0441\u043e\u0433\u043b\u0430\u0448\u0435\u043d\u0438\u0435\u043c,<br \/>\n\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u0441\u0435\u0440\u0432\u0438\u0441.<\/strong><\/span>\ud83c\udf1f<\/p>\n<p style=\"text-align: center;\">\u041a\u0441\u0442\u0430\u0442\u0438, \u0435\u0441\u043b\u0438 \u0443 \u0432\u0430\u0441 \u0441\u0442\u043e\u0438\u0442 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442, \u043d\u043e \u0432\u044b \u0445\u043e\u0442\u0438\u0442\u0435 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442 \u2014 \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0441\u043d\u043e\u0432\u0430 \u0434\u0435\u043b\u0430\u0442\u044c \u044d\u0442\u043e \u043e\u043d\u043b\u0430\u0439\u043d \u2014 \u0435\u0433\u043e \u043c\u043e\u0436\u043d\u043e \u0441\u043d\u044f\u0442\u044c. \u0427\u0435\u0440\u0435\u0437 \u0434\u0435\u043d\u044c \u043f\u043e\u0441\u043b\u0435 \u043e\u0431\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u0438\u0441\u0442\u043e\u0440\u0438\u0438 \u0441\u0430\u043c\u043e\u0437\u0430\u043f\u0440\u0435\u0442<br \/>\n\u043f\u0435\u0440\u0435\u0441\u0442\u0430\u043d\u0435\u0442 \u0434\u0435\u0439\u0441\u0442\u0432\u043e\u0432\u0430\u0442\u044c.<\/p>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-33538\" 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\u043f\u043e\u043b\u0443\u0447\u0438\u0442\u0441\u044f&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":33536,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[578,727,644],"tags":[580,726,649],"acf":[],"_links":{"self":[{"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/posts\/33533"}],"collection":[{"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nevbook.ru\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=33533"}],"version-history":[{"count":5,"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/posts\/33533\/revisions"}],"predecessor-version":[{"id":33544,"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/posts\/33533\/revisions\/33544"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nevbook.ru\/index.php?rest_route=\/wp\/v2\/media\/33536"}],"wp:attachment":[{"href":"https:\/\/nevbook.ru\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=33533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nevbook.ru\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=33533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nevbook.ru\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=33533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}