\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/title>\r\n<style>\r\n @import url('https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600&family=DM+Mono:wght@400;500&display=swap');\r\n\r\n .mort-calc {\r\n --c-bg: #ffffff;\r\n --c-surface: #f7f6f3;\r\n --c-border: rgba(0,0,0,0.1);\r\n --c-text: #1a1a18;\r\n --c-muted: #6b6b66;\r\n --c-hint: #a8a8a2;\r\n --c-green: #1a6b4a;\r\n --c-green-bg: #edf7f2;\r\n --c-amber: #7a4f00;\r\n --c-amber-bg: #fef6e4;\r\n --c-red: #8b1f1f;\r\n --c-red-bg: #fdf0f0;\r\n --c-accent: #1a6b4a;\r\n font-family: 'DM Sans', sans-serif;\r\n background: var(--c-bg);\r\n color: var(--c-text);\r\n border-radius: 16px;\r\n border: 1px solid var(--c-border);\r\n overflow: hidden;\r\n max-width: 720px;\r\n margin: 0 auto;\r\n }\r\n\r\n @media (prefers-color-scheme: dark) {\r\n .mort-calc {\r\n --c-bg: #1a1a18;\r\n --c-surface: #242420;\r\n --c-border: rgba(255,255,255,0.1);\r\n --c-text: #f0efe8;\r\n --c-muted: #9a9a92;\r\n --c-hint: #6b6b62;\r\n --c-green: #4ade9a;\r\n --c-green-bg: #0d2b1e;\r\n --c-amber: #f5c542;\r\n --c-amber-bg: #2a2000;\r\n --c-red: #f87878;\r\n --c-red-bg: #2a1010;\r\n }\r\n }\r\n\r\n .mc-header {\r\n padding: 20px 24px 16px;\r\n border-bottom: 1px solid var(--c-border);\r\n }\r\n .mc-header h3 {\r\n font-size: 16px;\r\n font-weight: 600;\r\n margin: 0 0 2px;\r\n color: var(--c-text);\r\n }\r\n .mc-header p {\r\n font-size: 13px;\r\n color: var(--c-muted);\r\n margin: 0;\r\n }\r\n\r\n .mc-body {\r\n padding: 20px 24px;\r\n display: grid;\r\n grid-template-columns: 1fr 1fr;\r\n gap: 16px;\r\n }\r\n @media (max-width: 560px) {\r\n .mc-body { grid-template-columns: 1fr; }\r\n }\r\n\r\n .mc-field {\r\n display: flex;\r\n flex-direction: column;\r\n gap: 8px;\r\n }\r\n .mc-field.full { grid-column: 1 \/ -1; }\r\n\r\n .mc-label {\r\n font-size: 12px;\r\n font-weight: 500;\r\n color: var(--c-muted);\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n }\r\n .mc-label strong {\r\n font-family: 'DM Mono', monospace;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n font-size: 13px;\r\n }\r\n\r\n input[type=\"range\"] {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 100%;\r\n height: 4px;\r\n background: var(--c-border);\r\n border-radius: 2px;\r\n outline: none;\r\n cursor: pointer;\r\n }\r\n input[type=\"range\"]::-webkit-slider-thumb {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 18px;\r\n height: 18px;\r\n border-radius: 50%;\r\n background: var(--c-text);\r\n border: 3px solid var(--c-bg);\r\n box-shadow: 0 0 0 1px var(--c-border);\r\n cursor: pointer;\r\n transition: transform .1s;\r\n }\r\n input[type=\"range\"]::-webkit-slider-thumb:active { transform: scale(1.2); }\r\n\r\n .mc-select {\r\n font-family: 'DM Sans', sans-serif;\r\n font-size: 13px;\r\n padding: 9px 12px;\r\n border: 1px solid var(--c-border);\r\n border-radius: 8px;\r\n background: var(--c-surface);\r\n color: var(--c-text);\r\n cursor: pointer;\r\n outline: none;\r\n transition: border-color .15s;\r\n }\r\n .mc-select:focus { border-color: var(--c-accent); }\r\n\r\n .mc-price-field {\r\n display: flex;\r\n align-items: center;\r\n gap: 0;\r\n border: 1px solid var(--c-border);\r\n border-radius: 8px;\r\n overflow: hidden;\r\n background: var(--c-surface);\r\n }\r\n .mc-price-field span {\r\n padding: 9px 12px;\r\n font-size: 13px;\r\n color: var(--c-muted);\r\n border-right: 1px solid var(--c-border);\r\n white-space: nowrap;\r\n }\r\n .mc-price-field input[type=\"number\"] {\r\n border: none;\r\n background: transparent;\r\n font-family: 'DM Mono', monospace;\r\n font-size: 14px;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n padding: 9px 12px;\r\n width: 100%;\r\n outline: none;\r\n }\r\n input[type=\"number\"]::-webkit-inner-spin-button,\r\n input[type=\"number\"]::-webkit-outer-spin-button { -webkit-appearance: none; }\r\n\r\n .mc-results {\r\n padding: 0 24px 24px;\r\n }\r\n\r\n .mc-metrics {\r\n display: grid;\r\n grid-template-columns: repeat(4, 1fr);\r\n gap: 8px;\r\n margin-bottom: 12px;\r\n }\r\n @media (max-width: 560px) {\r\n .mc-metrics { grid-template-columns: 1fr 1fr; }\r\n }\r\n\r\n .mc-metric {\r\n background: var(--c-surface);\r\n border-radius: 10px;\r\n padding: 12px;\r\n }\r\n .mc-metric-label {\r\n font-size: 11px;\r\n color: var(--c-hint);\r\n margin-bottom: 4px;\r\n line-height: 1.3;\r\n }\r\n .mc-metric-value {\r\n font-family: 'DM Mono', monospace;\r\n font-size: 17px;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n line-height: 1.2;\r\n }\r\n .mc-metric-value.green { color: var(--c-green); }\r\n .mc-metric-value.amber { color: var(--c-amber); }\r\n .mc-metric-value.red { color: var(--c-red); }\r\n\r\n .mc-verdict {\r\n border-radius: 10px;\r\n padding: 12px 14px;\r\n font-size: 13px;\r\n line-height: 1.6;\r\n transition: background .3s, color .3s;\r\n }\r\n .mc-verdict.green { background: var(--c-green-bg); color: var(--c-green); }\r\n .mc-verdict.amber { background: var(--c-amber-bg); color: var(--c-amber); }\r\n .mc-verdict.red { background: var(--c-red-bg); color: var(--c-red); }\r\n\r\n .mc-cost-toggle {\r\n margin-top: 12px;\r\n padding: 0 24px 20px;\r\n }\r\n .mc-cost-btn {\r\n font-family: 'DM Sans', sans-serif;\r\n font-size: 12px;\r\n color: var(--c-muted);\r\n background: none;\r\n border: none;\r\n cursor: pointer;\r\n padding: 0;\r\n text-decoration: underline;\r\n text-decoration-style: dotted;\r\n text-underline-offset: 3px;\r\n }\r\n .mc-cost-btn:hover { color: var(--c-text); }\r\n\r\n .mc-costs {\r\n display: none;\r\n margin-top: 12px;\r\n border: 1px solid var(--c-border);\r\n border-radius: 10px;\r\n overflow: hidden;\r\n }\r\n .mc-costs.open { display: block; }\r\n .mc-cost-row {\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n padding: 9px 14px;\r\n font-size: 13px;\r\n border-bottom: 1px solid var(--c-border);\r\n }\r\n .mc-cost-row:last-child { border-bottom: none; }\r\n .mc-cost-row.total {\r\n font-weight: 600;\r\n background: var(--c-surface);\r\n }\r\n .mc-cost-row span:first-child { color: var(--c-muted); }\r\n .mc-cost-row span:last-child {\r\n font-family: 'DM Mono', monospace;\r\n font-size: 13px;\r\n color: var(--c-text);\r\n }\r\n .mc-cost-row.total span { color: var(--c-text); }\r\n<\/style>\r\n<\/head>\r\n<body style=\"background:transparent;margin:0;padding:16px\">\r\n\r\n<div class=\"mort-calc\" id=\"calc\">\r\n\r\n <div class=\"mc-header\">\r\n <h3 id='\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439-\u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440-\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442-\u0438\u0441\u043f\u0430\u043d\u0438\u0438' id=\"boomdevs_1\">\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/h3>\r\n <p>\u0420\u0430\u0441\u0447\u0451\u0442 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430, \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u0430\u0440\u0435\u043d\u0434\u043e\u0439<\/p>\r\n <\/div>\r\n\r\n <div class=\"mc-body\">\r\n\r\n <div class=\"mc-field full\">\r\n <div class=\"mc-label\">\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0431\u044a\u0435\u043a\u0442\u0430<\/div>\r\n <div class=\"mc-price-field\">\r\n <span>\u20ac<\/span>\r\n <input type=\"number\" id=\"price\" value=\"320000\" min=\"50000\" max=\"5000000\" step=\"5000\" oninput=\"calc()\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441<\/span>\r\n <strong id=\"dp-val\">30% \u2014 96 000 \u20ac<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"dp\" min=\"20\" max=\"60\" value=\"30\" step=\"1\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/span>\r\n <strong id=\"yr-val\">25 \u043b\u0435\u0442<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"yr\" min=\"5\" max=\"30\" value=\"25\" step=\"1\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0411\u0430\u043d\u043a \u0438 \u0441\u0442\u0430\u0432\u043a\u0430<\/span><\/div>\r\n <select class=\"mc-select\" id=\"bank\" onchange=\"calc()\">\r\n <option value=\"3.40\">BBVA \u2014 3.40% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.10\">Sabadell \u2014 3.10% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.60\">Bankinter \u2014 3.60% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"2.90\">CaixaBank \u2014 2.90% (\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.25\">Unicaja \u2014 3.25% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0422\u0438\u043f \u0441\u0442\u0430\u0432\u043a\u0438<\/span><\/div>\r\n <select class=\"mc-select\" id=\"rtype\" onchange=\"calc()\">\r\n <option value=\"0\">\u0424\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f<\/option>\r\n <option value=\"-0.4\">\u0421\u043c\u0435\u0448\u0430\u043d\u043d\u0430\u044f (5 \u0444\u0438\u043a\u0441 + \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f, \u22120.4%)<\/option>\r\n <option value=\"-0.7\">\u041f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f Euribor + 0.6% (\u22120.7% \u0441\u0435\u0439\u0447\u0430\u0441)<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u0410\u0440\u0435\u043d\u0434\u0430 \u0432 \u043c\u0435\u0441\u044f\u0446 (\u20ac)<\/span>\r\n <strong id=\"rent-val\">1 550 \u20ac<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"rent\" min=\"600\" max=\"5000\" value=\"1550\" step=\"50\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0422\u0438\u043f \u043e\u0431\u044a\u0435\u043a\u0442\u0430 (\u043d\u0430\u043b\u043e\u0433\u0438)<\/span><\/div>\r\n <select class=\"mc-select\" id=\"ptype\" onchange=\"calc()\">\r\n <option value=\"10\">\u041d\u043e\u0432\u043e\u0441\u0442\u0440\u043e\u0439\u043a\u0430 \u2014 IVA 10%<\/option>\r\n <option value=\"21\">\u041a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f \/ \u0437\u0435\u043c\u043b\u044f \u2014 IVA 21%<\/option>\r\n <option value=\"6\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u0412\u0430\u043b\u0435\u043d\u0441\u0438\u044f \u2014 ITP 6%<\/option>\r\n <option value=\"7\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u041c\u0430\u0434\u0440\u0438\u0434 \u2014 ITP 7%<\/option>\r\n <option value=\"8\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u0411\u0430\u0440\u0441\u0435\u043b\u043e\u043d\u0430 \u2014 ITP 8%<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n <div class=\"mc-results\">\r\n <div class=\"mc-metrics\">\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u041f\u043b\u0430\u0442\u0451\u0436 \u0432 \u043c\u0435\u0441\u044f\u0446<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-monthly\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-loan\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u041f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u0430 %<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-over\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u0410\u0440\u0435\u043d\u0434\u0430 \/ \u043f\u043b\u0430\u0442\u0451\u0436<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-ratio\">\u2014<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"mc-verdict\" id=\"r-verdict\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"mc-cost-toggle\">\r\n <button class=\"mc-cost-btn\" onclick=\"toggleCosts()\">\u041f\u043e\u043a\u0430\u0437\u0430\u0442\u044c \u043f\u043e\u043b\u043d\u0443\u044e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438<\/button>\r\n <div class=\"mc-costs\" id=\"cost-block\">\r\n <div class=\"mc-cost-row\"><span>\u0426\u0435\u043d\u0430 \u043e\u0431\u044a\u0435\u043a\u0442\u0430<\/span><span id=\"c-price\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span id=\"c-tax-label\">IVA \/ ITP<\/span><span id=\"c-tax\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>AJD (\u0433\u0435\u0440\u0431\u043e\u0432\u044b\u0439 \u0441\u0431\u043e\u0440)<\/span><span id=\"c-ajd\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>\u041d\u043e\u0442\u0430\u0440\u0438\u0443\u0441 + \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f<\/span><span>~2 800 \u20ac<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>Gestoria + \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b<\/span><span>~1 200 \u20ac<\/span><\/div>\r\n <div class=\"mc-cost-row total\"><span>\u0418\u0442\u043e\u0433\u043e \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438<\/span><span id=\"c-total\">\u2014<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\nfunction fmt(n) {\r\n return Math.round(n).toLocaleString('ru-RU') + ' \u20ac';\r\n}\r\nfunction fmtPct(n) {\r\n return n.toFixed(1) + '%';\r\n}\r\n\r\nfunction calc() {\r\n var price = parseFloat(document.getElementById('price').value) || 320000;\r\n var dp = parseInt(document.getElementById('dp').value);\r\n var yrs = parseInt(document.getElementById('yr').value);\r\n var baseR = parseFloat(document.getElementById('bank').value);\r\n var adj = parseFloat(document.getElementById('rtype').value);\r\n var rent = parseInt(document.getElementById('rent').value);\r\n var taxPct = parseFloat(document.getElementById('ptype').value);\r\n var ptype = document.getElementById('ptype').value;\r\n\r\n var rate = (baseR + adj) \/ 100;\r\n var loan = price * (1 - dp \/ 100);\r\n var n = yrs * 12;\r\n var r = rate \/ 12;\r\n var payment = loan * (r * Math.pow(1+r,n)) \/ (Math.pow(1+r,n) - 1);\r\n var totalPaid = payment * n;\r\n var overpay = totalPaid - loan;\r\n var overPct = (overpay \/ loan) * 100;\r\n var ratio = Math.round(payment \/ rent * 100);\r\n\r\n \/\/ update labels\r\n var dpAmt = Math.round(price * dp \/ 100);\r\n document.getElementById('dp-val').textContent = dp + '% \u2014 ' + Math.round(dpAmt).toLocaleString('ru-RU') + ' \u20ac';\r\n document.getElementById('yr-val').textContent = yrs + ' ' + (yrs === 1 ? '\u0433\u043e\u0434' : yrs < 5 ? '\u0433\u043e\u0434\u0430' : '\u043b\u0435\u0442');\r\n document.getElementById('rent-val').textContent = rent.toLocaleString('ru-RU') + ' \u20ac';\r\n\r\n \/\/ metrics\r\n document.getElementById('r-monthly').textContent = fmt(payment);\r\n document.getElementById('r-loan').textContent = fmt(loan);\r\n document.getElementById('r-over').textContent = fmtPct(overPct);\r\n\r\n var ratioEl = document.getElementById('r-ratio');\r\n ratioEl.textContent = ratio + '%';\r\n ratioEl.className = 'mc-metric-value ' + (ratio <= 80 ? 'green' : ratio <= 100 ? 'amber' : 'red');\r\n\r\n \/\/ verdict\r\n var vEl = document.getElementById('r-verdict');\r\n if (ratio <= 80) {\r\n vEl.className = 'mc-verdict green';\r\n vEl.textContent = '\u0410\u0440\u0435\u043d\u0434\u0430 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 ' + ratio + '% \u043f\u043b\u0430\u0442\u0435\u0436\u0430 \u2014 \u0445\u043e\u0440\u043e\u0448\u0430\u044f \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0437\u0438\u0446\u0438\u044f. \u041e\u0431\u044a\u0435\u043a\u0442 \u043c\u043e\u0436\u0435\u0442 \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 buy-to-let \u0441 \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0439 \u0434\u043e\u043f\u043b\u0430\u0442\u043e\u0439 \u0438\u0437 \u043a\u0430\u0440\u043c\u0430\u043d\u0430 \u0438\u043b\u0438 \u0431\u0435\u0437 \u043d\u0435\u0451.';\r\n } else if (ratio <= 100) {\r\n vEl.className = 'mc-verdict amber';\r\n vEl.textContent = '\u0410\u0440\u0435\u043d\u0434\u0430 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 ' + ratio + '% \u043f\u043b\u0430\u0442\u0435\u0436\u0430. \u041f\u0440\u0438\u0434\u0451\u0442\u0441\u044f \u0434\u043e\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0442\u044c ' + fmt(payment - rent) + ' \u0432 \u043c\u0435\u0441\u044f\u0446 \u0438\u0437 \u0441\u0432\u043e\u0438\u0445 \u2014 \u044d\u0442\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c\u043e, \u043d\u043e \u0441\u043d\u0438\u0436\u0430\u0435\u0442 \u0447\u0438\u0441\u0442\u0443\u044e \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c.';\r\n } else {\r\n vEl.className = 'mc-verdict red';\r\n vEl.textContent = '\u041f\u0440\u0438 \u0442\u0430\u043a\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0430\u0440\u0435\u043d\u0434\u0430 \u043d\u0435 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 (' + ratio + '%). \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0438 \u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u0431\u043e\u043b\u0435\u0435 \u0434\u043b\u0438\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u0438\u043b\u0438 \u043e\u0431\u044a\u0435\u043a\u0442 \u0441 \u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u0430\u0440\u0435\u043d\u0434\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439.';\r\n }\r\n\r\n \/\/ costs breakdown\r\n var taxAmt = price * taxPct \/ 100;\r\n var ajd = ptype === '10' || ptype === '21' ? price * 0.015 : 0;\r\n var total = price + taxAmt + ajd + 2800 + 1200;\r\n var taxLabel = (ptype === '6' || ptype === '7' || ptype === '8') ? 'ITP' : 'IVA';\r\n document.getElementById('c-price').textContent = fmt(price);\r\n document.getElementById('c-tax-label').textContent = taxLabel + ' ' + taxPct + '%';\r\n document.getElementById('c-tax').textContent = fmt(taxAmt);\r\n document.getElementById('c-ajd').textContent = ptype === '6' || ptype === '7' || ptype === '8' ? '\u0432\u043a\u043b\u044e\u0447\u0451\u043d \u0432 ITP' : fmt(ajd);\r\n document.getElementById('c-total').textContent = fmt(total);\r\n}\r\n\r\nfunction toggleCosts() {\r\n var el = document.getElementById('cost-block');\r\n el.classList.toggle('open');\r\n var btn = document.querySelector('.mc-cost-btn');\r\n btn.textContent = el.classList.contains('open')\r\n ? '\u0421\u043a\u0440\u044b\u0442\u044c \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0443'\r\n : '\u041f\u043e\u043a\u0430\u0437\u0430\u0442\u044c \u043f\u043e\u043b\u043d\u0443\u044e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438';\r\n}\r\n\r\ncalc();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0420\u0430\u0441\u0447\u0451\u0442 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430, \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u0430\u0440\u0435\u043d\u0434\u043e\u0439 \u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u20ac \u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 30% \u2014 96 000 \u20ac \u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430 25 \u043b\u0435\u0442 \u0411\u0430\u043d\u043a \u0438 \u0441\u0442\u0430\u0432\u043a\u0430 BBVA \u2014 3.40% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Sabadell \u2014 3.10% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Bankinter \u2014 3.60% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)CaixaBank \u2014 2.90% (\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Unicaja \u2014 3.25% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442) \u0422\u0438\u043f \u0441\u0442\u0430\u0432\u043a\u0438 \u0424\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f\u0421\u043c\u0435\u0448\u0430\u043d\u043d\u0430\u044f (5 \u0444\u0438\u043a\u0441 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_jet_sm_ready_style":"","_jet_sm_style":"","_jet_sm_controls_values":"","_jet_sm_fonts_collection":"","_jet_sm_fonts_links":"","footnotes":""},"class_list":["post-25","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/comments?post=25"}],"version-history":[{"count":5,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25\/revisions"}],"predecessor-version":[{"id":1869,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25\/revisions\/1869"}],"wp:attachment":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/media?parent=25"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

\n\t\t\t\t

\n\t\t\t\t\t

\n\t\t\t\t

\n\t\t\t\t\t\r\n\r\n\r\n\r\n\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/title>\r\n<style>\r\n @import url('https:\/\/fonts.googleapis.com\/css2?family=DM+Sans:wght@400;500;600&family=DM+Mono:wght@400;500&display=swap');\r\n\r\n .mort-calc {\r\n --c-bg: #ffffff;\r\n --c-surface: #f7f6f3;\r\n --c-border: rgba(0,0,0,0.1);\r\n --c-text: #1a1a18;\r\n --c-muted: #6b6b66;\r\n --c-hint: #a8a8a2;\r\n --c-green: #1a6b4a;\r\n --c-green-bg: #edf7f2;\r\n --c-amber: #7a4f00;\r\n --c-amber-bg: #fef6e4;\r\n --c-red: #8b1f1f;\r\n --c-red-bg: #fdf0f0;\r\n --c-accent: #1a6b4a;\r\n font-family: 'DM Sans', sans-serif;\r\n background: var(--c-bg);\r\n color: var(--c-text);\r\n border-radius: 16px;\r\n border: 1px solid var(--c-border);\r\n overflow: hidden;\r\n max-width: 720px;\r\n margin: 0 auto;\r\n }\r\n\r\n @media (prefers-color-scheme: dark) {\r\n .mort-calc {\r\n --c-bg: #1a1a18;\r\n --c-surface: #242420;\r\n --c-border: rgba(255,255,255,0.1);\r\n --c-text: #f0efe8;\r\n --c-muted: #9a9a92;\r\n --c-hint: #6b6b62;\r\n --c-green: #4ade9a;\r\n --c-green-bg: #0d2b1e;\r\n --c-amber: #f5c542;\r\n --c-amber-bg: #2a2000;\r\n --c-red: #f87878;\r\n --c-red-bg: #2a1010;\r\n }\r\n }\r\n\r\n .mc-header {\r\n padding: 20px 24px 16px;\r\n border-bottom: 1px solid var(--c-border);\r\n }\r\n .mc-header h3 {\r\n font-size: 16px;\r\n font-weight: 600;\r\n margin: 0 0 2px;\r\n color: var(--c-text);\r\n }\r\n .mc-header p {\r\n font-size: 13px;\r\n color: var(--c-muted);\r\n margin: 0;\r\n }\r\n\r\n .mc-body {\r\n padding: 20px 24px;\r\n display: grid;\r\n grid-template-columns: 1fr 1fr;\r\n gap: 16px;\r\n }\r\n @media (max-width: 560px) {\r\n .mc-body { grid-template-columns: 1fr; }\r\n }\r\n\r\n .mc-field {\r\n display: flex;\r\n flex-direction: column;\r\n gap: 8px;\r\n }\r\n .mc-field.full { grid-column: 1 \/ -1; }\r\n\r\n .mc-label {\r\n font-size: 12px;\r\n font-weight: 500;\r\n color: var(--c-muted);\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n }\r\n .mc-label strong {\r\n font-family: 'DM Mono', monospace;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n font-size: 13px;\r\n }\r\n\r\n input[type=\"range\"] {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 100%;\r\n height: 4px;\r\n background: var(--c-border);\r\n border-radius: 2px;\r\n outline: none;\r\n cursor: pointer;\r\n }\r\n input[type=\"range\"]::-webkit-slider-thumb {\r\n -webkit-appearance: none;\r\n appearance: none;\r\n width: 18px;\r\n height: 18px;\r\n border-radius: 50%;\r\n background: var(--c-text);\r\n border: 3px solid var(--c-bg);\r\n box-shadow: 0 0 0 1px var(--c-border);\r\n cursor: pointer;\r\n transition: transform .1s;\r\n }\r\n input[type=\"range\"]::-webkit-slider-thumb:active { transform: scale(1.2); }\r\n\r\n .mc-select {\r\n font-family: 'DM Sans', sans-serif;\r\n font-size: 13px;\r\n padding: 9px 12px;\r\n border: 1px solid var(--c-border);\r\n border-radius: 8px;\r\n background: var(--c-surface);\r\n color: var(--c-text);\r\n cursor: pointer;\r\n outline: none;\r\n transition: border-color .15s;\r\n }\r\n .mc-select:focus { border-color: var(--c-accent); }\r\n\r\n .mc-price-field {\r\n display: flex;\r\n align-items: center;\r\n gap: 0;\r\n border: 1px solid var(--c-border);\r\n border-radius: 8px;\r\n overflow: hidden;\r\n background: var(--c-surface);\r\n }\r\n .mc-price-field span {\r\n padding: 9px 12px;\r\n font-size: 13px;\r\n color: var(--c-muted);\r\n border-right: 1px solid var(--c-border);\r\n white-space: nowrap;\r\n }\r\n .mc-price-field input[type=\"number\"] {\r\n border: none;\r\n background: transparent;\r\n font-family: 'DM Mono', monospace;\r\n font-size: 14px;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n padding: 9px 12px;\r\n width: 100%;\r\n outline: none;\r\n }\r\n input[type=\"number\"]::-webkit-inner-spin-button,\r\n input[type=\"number\"]::-webkit-outer-spin-button { -webkit-appearance: none; }\r\n\r\n .mc-results {\r\n padding: 0 24px 24px;\r\n }\r\n\r\n .mc-metrics {\r\n display: grid;\r\n grid-template-columns: repeat(4, 1fr);\r\n gap: 8px;\r\n margin-bottom: 12px;\r\n }\r\n @media (max-width: 560px) {\r\n .mc-metrics { grid-template-columns: 1fr 1fr; }\r\n }\r\n\r\n .mc-metric {\r\n background: var(--c-surface);\r\n border-radius: 10px;\r\n padding: 12px;\r\n }\r\n .mc-metric-label {\r\n font-size: 11px;\r\n color: var(--c-hint);\r\n margin-bottom: 4px;\r\n line-height: 1.3;\r\n }\r\n .mc-metric-value {\r\n font-family: 'DM Mono', monospace;\r\n font-size: 17px;\r\n font-weight: 500;\r\n color: var(--c-text);\r\n line-height: 1.2;\r\n }\r\n .mc-metric-value.green { color: var(--c-green); }\r\n .mc-metric-value.amber { color: var(--c-amber); }\r\n .mc-metric-value.red { color: var(--c-red); }\r\n\r\n .mc-verdict {\r\n border-radius: 10px;\r\n padding: 12px 14px;\r\n font-size: 13px;\r\n line-height: 1.6;\r\n transition: background .3s, color .3s;\r\n }\r\n .mc-verdict.green { background: var(--c-green-bg); color: var(--c-green); }\r\n .mc-verdict.amber { background: var(--c-amber-bg); color: var(--c-amber); }\r\n .mc-verdict.red { background: var(--c-red-bg); color: var(--c-red); }\r\n\r\n .mc-cost-toggle {\r\n margin-top: 12px;\r\n padding: 0 24px 20px;\r\n }\r\n .mc-cost-btn {\r\n font-family: 'DM Sans', sans-serif;\r\n font-size: 12px;\r\n color: var(--c-muted);\r\n background: none;\r\n border: none;\r\n cursor: pointer;\r\n padding: 0;\r\n text-decoration: underline;\r\n text-decoration-style: dotted;\r\n text-underline-offset: 3px;\r\n }\r\n .mc-cost-btn:hover { color: var(--c-text); }\r\n\r\n .mc-costs {\r\n display: none;\r\n margin-top: 12px;\r\n border: 1px solid var(--c-border);\r\n border-radius: 10px;\r\n overflow: hidden;\r\n }\r\n .mc-costs.open { display: block; }\r\n .mc-cost-row {\r\n display: flex;\r\n justify-content: space-between;\r\n align-items: center;\r\n padding: 9px 14px;\r\n font-size: 13px;\r\n border-bottom: 1px solid var(--c-border);\r\n }\r\n .mc-cost-row:last-child { border-bottom: none; }\r\n .mc-cost-row.total {\r\n font-weight: 600;\r\n background: var(--c-surface);\r\n }\r\n .mc-cost-row span:first-child { color: var(--c-muted); }\r\n .mc-cost-row span:last-child {\r\n font-family: 'DM Mono', monospace;\r\n font-size: 13px;\r\n color: var(--c-text);\r\n }\r\n .mc-cost-row.total span { color: var(--c-text); }\r\n<\/style>\r\n<\/head>\r\n<body style=\"background:transparent;margin:0;padding:16px\">\r\n\r\n<div class=\"mort-calc\" id=\"calc\">\r\n\r\n <div class=\"mc-header\">\r\n <h3 id='\u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439-\u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440-\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442-\u0438\u0441\u043f\u0430\u043d\u0438\u0438' id=\"boomdevs_1\">\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438<\/h3>\r\n <p>\u0420\u0430\u0441\u0447\u0451\u0442 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430, \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u0430\u0440\u0435\u043d\u0434\u043e\u0439<\/p>\r\n <\/div>\r\n\r\n <div class=\"mc-body\">\r\n\r\n <div class=\"mc-field full\">\r\n <div class=\"mc-label\">\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0431\u044a\u0435\u043a\u0442\u0430<\/div>\r\n <div class=\"mc-price-field\">\r\n <span>\u20ac<\/span>\r\n <input type=\"number\" id=\"price\" value=\"320000\" min=\"50000\" max=\"5000000\" step=\"5000\" oninput=\"calc()\">\r\n <\/div>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441<\/span>\r\n <strong id=\"dp-val\">30% \u2014 96 000 \u20ac<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"dp\" min=\"20\" max=\"60\" value=\"30\" step=\"1\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/span>\r\n <strong id=\"yr-val\">25 \u043b\u0435\u0442<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"yr\" min=\"5\" max=\"30\" value=\"25\" step=\"1\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0411\u0430\u043d\u043a \u0438 \u0441\u0442\u0430\u0432\u043a\u0430<\/span><\/div>\r\n <select class=\"mc-select\" id=\"bank\" onchange=\"calc()\">\r\n <option value=\"3.40\">BBVA \u2014 3.40% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.10\">Sabadell \u2014 3.10% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.60\">Bankinter \u2014 3.60% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"2.90\">CaixaBank \u2014 2.90% (\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <option value=\"3.25\">Unicaja \u2014 3.25% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0422\u0438\u043f \u0441\u0442\u0430\u0432\u043a\u0438<\/span><\/div>\r\n <select class=\"mc-select\" id=\"rtype\" onchange=\"calc()\">\r\n <option value=\"0\">\u0424\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f<\/option>\r\n <option value=\"-0.4\">\u0421\u043c\u0435\u0448\u0430\u043d\u043d\u0430\u044f (5 \u0444\u0438\u043a\u0441 + \u043f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f, \u22120.4%)<\/option>\r\n <option value=\"-0.7\">\u041f\u043b\u0430\u0432\u0430\u044e\u0449\u0430\u044f Euribor + 0.6% (\u22120.7% \u0441\u0435\u0439\u0447\u0430\u0441)<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\">\r\n <span>\u0410\u0440\u0435\u043d\u0434\u0430 \u0432 \u043c\u0435\u0441\u044f\u0446 (\u20ac)<\/span>\r\n <strong id=\"rent-val\">1 550 \u20ac<\/strong>\r\n <\/div>\r\n <input type=\"range\" id=\"rent\" min=\"600\" max=\"5000\" value=\"1550\" step=\"50\" oninput=\"calc()\">\r\n <\/div>\r\n\r\n <div class=\"mc-field\">\r\n <div class=\"mc-label\"><span>\u0422\u0438\u043f \u043e\u0431\u044a\u0435\u043a\u0442\u0430 (\u043d\u0430\u043b\u043e\u0433\u0438)<\/span><\/div>\r\n <select class=\"mc-select\" id=\"ptype\" onchange=\"calc()\">\r\n <option value=\"10\">\u041d\u043e\u0432\u043e\u0441\u0442\u0440\u043e\u0439\u043a\u0430 \u2014 IVA 10%<\/option>\r\n <option value=\"21\">\u041a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f \/ \u0437\u0435\u043c\u043b\u044f \u2014 IVA 21%<\/option>\r\n <option value=\"6\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u0412\u0430\u043b\u0435\u043d\u0441\u0438\u044f \u2014 ITP 6%<\/option>\r\n <option value=\"7\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u041c\u0430\u0434\u0440\u0438\u0434 \u2014 ITP 7%<\/option>\r\n <option value=\"8\">\u0412\u0442\u043e\u0440\u0438\u0447\u043a\u0430 \u0411\u0430\u0440\u0441\u0435\u043b\u043e\u043d\u0430 \u2014 ITP 8%<\/option>\r\n <\/select>\r\n <\/div>\r\n\r\n <\/div>\r\n\r\n <div class=\"mc-results\">\r\n <div class=\"mc-metrics\">\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u041f\u043b\u0430\u0442\u0451\u0436 \u0432 \u043c\u0435\u0441\u044f\u0446<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-monthly\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u0421\u0443\u043c\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-loan\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u041f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u0430 %<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-over\">\u2014<\/div>\r\n <\/div>\r\n <div class=\"mc-metric\">\r\n <div class=\"mc-metric-label\">\u0410\u0440\u0435\u043d\u0434\u0430 \/ \u043f\u043b\u0430\u0442\u0451\u0436<\/div>\r\n <div class=\"mc-metric-value\" id=\"r-ratio\">\u2014<\/div>\r\n <\/div>\r\n <\/div>\r\n <div class=\"mc-verdict\" id=\"r-verdict\"><\/div>\r\n <\/div>\r\n\r\n <div class=\"mc-cost-toggle\">\r\n <button class=\"mc-cost-btn\" onclick=\"toggleCosts()\">\u041f\u043e\u043a\u0430\u0437\u0430\u0442\u044c \u043f\u043e\u043b\u043d\u0443\u044e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438<\/button>\r\n <div class=\"mc-costs\" id=\"cost-block\">\r\n <div class=\"mc-cost-row\"><span>\u0426\u0435\u043d\u0430 \u043e\u0431\u044a\u0435\u043a\u0442\u0430<\/span><span id=\"c-price\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span id=\"c-tax-label\">IVA \/ ITP<\/span><span id=\"c-tax\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>AJD (\u0433\u0435\u0440\u0431\u043e\u0432\u044b\u0439 \u0441\u0431\u043e\u0440)<\/span><span id=\"c-ajd\">\u2014<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>\u041d\u043e\u0442\u0430\u0440\u0438\u0443\u0441 + \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f<\/span><span>~2 800 \u20ac<\/span><\/div>\r\n <div class=\"mc-cost-row\"><span>Gestoria + \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b<\/span><span>~1 200 \u20ac<\/span><\/div>\r\n <div class=\"mc-cost-row total\"><span>\u0418\u0442\u043e\u0433\u043e \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438<\/span><span id=\"c-total\">\u2014<\/span><\/div>\r\n <\/div>\r\n <\/div>\r\n\r\n<\/div>\r\n\r\n<script>\r\nfunction fmt(n) {\r\n return Math.round(n).toLocaleString('ru-RU') + ' \u20ac';\r\n}\r\nfunction fmtPct(n) {\r\n return n.toFixed(1) + '%';\r\n}\r\n\r\nfunction calc() {\r\n var price = parseFloat(document.getElementById('price').value) || 320000;\r\n var dp = parseInt(document.getElementById('dp').value);\r\n var yrs = parseInt(document.getElementById('yr').value);\r\n var baseR = parseFloat(document.getElementById('bank').value);\r\n var adj = parseFloat(document.getElementById('rtype').value);\r\n var rent = parseInt(document.getElementById('rent').value);\r\n var taxPct = parseFloat(document.getElementById('ptype').value);\r\n var ptype = document.getElementById('ptype').value;\r\n\r\n var rate = (baseR + adj) \/ 100;\r\n var loan = price * (1 - dp \/ 100);\r\n var n = yrs * 12;\r\n var r = rate \/ 12;\r\n var payment = loan * (r * Math.pow(1+r,n)) \/ (Math.pow(1+r,n) - 1);\r\n var totalPaid = payment * n;\r\n var overpay = totalPaid - loan;\r\n var overPct = (overpay \/ loan) * 100;\r\n var ratio = Math.round(payment \/ rent * 100);\r\n\r\n \/\/ update labels\r\n var dpAmt = Math.round(price * dp \/ 100);\r\n document.getElementById('dp-val').textContent = dp + '% \u2014 ' + Math.round(dpAmt).toLocaleString('ru-RU') + ' \u20ac';\r\n document.getElementById('yr-val').textContent = yrs + ' ' + (yrs === 1 ? '\u0433\u043e\u0434' : yrs < 5 ? '\u0433\u043e\u0434\u0430' : '\u043b\u0435\u0442');\r\n document.getElementById('rent-val').textContent = rent.toLocaleString('ru-RU') + ' \u20ac';\r\n\r\n \/\/ metrics\r\n document.getElementById('r-monthly').textContent = fmt(payment);\r\n document.getElementById('r-loan').textContent = fmt(loan);\r\n document.getElementById('r-over').textContent = fmtPct(overPct);\r\n\r\n var ratioEl = document.getElementById('r-ratio');\r\n ratioEl.textContent = ratio + '%';\r\n ratioEl.className = 'mc-metric-value ' + (ratio <= 80 ? 'green' : ratio <= 100 ? 'amber' : 'red');\r\n\r\n \/\/ verdict\r\n var vEl = document.getElementById('r-verdict');\r\n if (ratio <= 80) {\r\n vEl.className = 'mc-verdict green';\r\n vEl.textContent = '\u0410\u0440\u0435\u043d\u0434\u0430 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 ' + ratio + '% \u043f\u043b\u0430\u0442\u0435\u0436\u0430 \u2014 \u0445\u043e\u0440\u043e\u0448\u0430\u044f \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0437\u0438\u0446\u0438\u044f. \u041e\u0431\u044a\u0435\u043a\u0442 \u043c\u043e\u0436\u0435\u0442 \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 buy-to-let \u0441 \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0439 \u0434\u043e\u043f\u043b\u0430\u0442\u043e\u0439 \u0438\u0437 \u043a\u0430\u0440\u043c\u0430\u043d\u0430 \u0438\u043b\u0438 \u0431\u0435\u0437 \u043d\u0435\u0451.';\r\n } else if (ratio <= 100) {\r\n vEl.className = 'mc-verdict amber';\r\n vEl.textContent = '\u0410\u0440\u0435\u043d\u0434\u0430 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 ' + ratio + '% \u043f\u043b\u0430\u0442\u0435\u0436\u0430. \u041f\u0440\u0438\u0434\u0451\u0442\u0441\u044f \u0434\u043e\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0442\u044c ' + fmt(payment - rent) + ' \u0432 \u043c\u0435\u0441\u044f\u0446 \u0438\u0437 \u0441\u0432\u043e\u0438\u0445 \u2014 \u044d\u0442\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u043c\u043e, \u043d\u043e \u0441\u043d\u0438\u0436\u0430\u0435\u0442 \u0447\u0438\u0441\u0442\u0443\u044e \u0434\u043e\u0445\u043e\u0434\u043d\u043e\u0441\u0442\u044c.';\r\n } else {\r\n vEl.className = 'mc-verdict red';\r\n vEl.textContent = '\u041f\u0440\u0438 \u0442\u0430\u043a\u0438\u0445 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0430\u0440\u0435\u043d\u0434\u0430 \u043d\u0435 \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0438\u043f\u043e\u0442\u0435\u043a\u0443 (' + ratio + '%). \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0438 \u0431\u043e\u043b\u044c\u0448\u0438\u0439 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441, \u0431\u043e\u043b\u0435\u0435 \u0434\u043b\u0438\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a \u0438\u043b\u0438 \u043e\u0431\u044a\u0435\u043a\u0442 \u0441 \u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u0430\u0440\u0435\u043d\u0434\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u043e\u0439.';\r\n }\r\n\r\n \/\/ costs breakdown\r\n var taxAmt = price * taxPct \/ 100;\r\n var ajd = ptype === '10' || ptype === '21' ? price * 0.015 : 0;\r\n var total = price + taxAmt + ajd + 2800 + 1200;\r\n var taxLabel = (ptype === '6' || ptype === '7' || ptype === '8') ? 'ITP' : 'IVA';\r\n document.getElementById('c-price').textContent = fmt(price);\r\n document.getElementById('c-tax-label').textContent = taxLabel + ' ' + taxPct + '%';\r\n document.getElementById('c-tax').textContent = fmt(taxAmt);\r\n document.getElementById('c-ajd').textContent = ptype === '6' || ptype === '7' || ptype === '8' ? '\u0432\u043a\u043b\u044e\u0447\u0451\u043d \u0432 ITP' : fmt(ajd);\r\n document.getElementById('c-total').textContent = fmt(total);\r\n}\r\n\r\nfunction toggleCosts() {\r\n var el = document.getElementById('cost-block');\r\n el.classList.toggle('open');\r\n var btn = document.querySelector('.mc-cost-btn');\r\n btn.textContent = el.classList.contains('open')\r\n ? '\u0421\u043a\u0440\u044b\u0442\u044c \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0443'\r\n : '\u041f\u043e\u043a\u0430\u0437\u0430\u0442\u044c \u043f\u043e\u043b\u043d\u0443\u044e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0441 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438';\r\n}\r\n\r\ncalc();\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0418\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0439 \u043a\u0430\u043b\u044c\u043a\u0443\u043b\u044f\u0442\u043e\u0440 \u2014 \u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0418\u0441\u043f\u0430\u043d\u0438\u0438 \u0420\u0430\u0441\u0447\u0451\u0442 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430, \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0442\u044b \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u0430\u0440\u0435\u043d\u0434\u043e\u0439 \u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0431\u044a\u0435\u043a\u0442\u0430 \u20ac \u041f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 30% \u2014 96 000 \u20ac \u0421\u0440\u043e\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u0430 25 \u043b\u0435\u0442 \u0411\u0430\u043d\u043a \u0438 \u0441\u0442\u0430\u0432\u043a\u0430 BBVA \u2014 3.40% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Sabadell \u2014 3.10% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Bankinter \u2014 3.60% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)CaixaBank \u2014 2.90% (\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442)Unicaja \u2014 3.25% (\u043d\u0435\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442) \u0422\u0438\u043f \u0441\u0442\u0430\u0432\u043a\u0438 \u0424\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f\u0421\u043c\u0435\u0448\u0430\u043d\u043d\u0430\u044f (5 \u0444\u0438\u043a\u0441 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_jet_sm_ready_style":"","_jet_sm_style":"","_jet_sm_controls_values":"","_jet_sm_fonts_collection":"","_jet_sm_fonts_links":"","footnotes":""},"class_list":["post-25","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/comments?post=25"}],"version-history":[{"count":5,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25\/revisions"}],"predecessor-version":[{"id":1869,"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/pages\/25\/revisions\/1869"}],"wp:attachment":[{"href":"https:\/\/mainspain.com\/ru\/wp-json\/wp\/v2\/media?parent=25"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}