{"id":50946,"date":"2025-10-27T18:45:00","date_gmt":"2025-10-27T15:15:00","guid":{"rendered":"https:\/\/nobitex.ir\/mag\/?p=50946"},"modified":"2026-01-26T17:14:08","modified_gmt":"2026-01-26T13:44:08","slug":"why-i-run-out-of-money-end-of-month","status":"publish","type":"post","link":"https:\/\/nobitex.ir\/mag\/why-i-run-out-of-money-end-of-month\/","title":{"rendered":"\u0686\u0631\u0627 \u0647\u0645\u06cc\u0634\u0647 \u0622\u062e\u0631 \u0645\u0627\u0647 \u067e\u0648\u0644 \u06a9\u0645 \u0645\u06cc\u200c\u0622\u0648\u0631\u0645\u061f \u0622\u0645\u0648\u0632\u0634 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0628\u0627 \u062f\u0631\u0622\u0645\u062f \u06a9\u0645"},"content":{"rendered":"\n<p>\u0622\u0646 \u0627\u0636\u0637\u0631\u0627\u0628 \u0622\u0634\u0646\u0627 \u062f\u0631 \u0686\u0646\u062f \u0631\u0648\u0632 \u0622\u062e\u0631 \u0645\u0627\u0647 \u0631\u0627 \u0645\u06cc\u200c\u0634\u0646\u0627\u0633\u06cc\u061f \u0647\u0645\u0627\u0646 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class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/nobitex.ir\/mag\/why-i-run-out-of-money-end-of-month\/#%DB%B1-_%D8%AE%D8%B1%D8%AC_%DA%A9%D8%B1%D8%AF%D9%86_%D8%A8%D8%B1_%D8%A7%D8%B3%D8%A7%D8%B3_%D9%85%D8%B9%D9%86%D8%A7\" >\u06f1- \u062e\u0631\u062c \u06a9\u0631\u062f\u0646 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u0639\u0646\u0627<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/nobitex.ir\/mag\/why-i-run-out-of-money-end-of-month\/#%DB%B2-_%D8%A7%DB%8C%D8%AC%D8%A7%D8%AF_%D8%AF%D8%B1%D8%A2%D9%85%D8%AF_%D8%A7%D8%B6%D8%A7%D9%81%D9%87_%D8%A7%DA%AF%D8%B1_%D9%85%D9%85%DA%A9%D9%86_%D8%A7%D8%B3%D8%AA\" >\u06f2- \u0627\u06cc\u062c\u0627\u062f \u062f\u0631\u0622\u0645\u062f \u0627\u0636\u0627\u0641\u0647 (\u0627\u06af\u0631 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/nobitex.ir\/mag\/why-i-run-out-of-money-end-of-month\/#%D8%AC%D9%85%D8%B9%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C\" >\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/nobitex.ir\/mag\/why-i-run-out-of-money-end-of-month\/#%D8%B3%D9%88%D8%A7%D9%84%D8%A7%D8%AA_%D9%85%D8%AA%D8%AF%D8%A7%D9%88%D9%84\" >\u0633\u0648\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-\u0631\u0648\u0627\u0646-\u0634\u0646\u0627\u0633\u06cc-\u0686\u0631\u062e\u0647-\u062d\u0642\u0648\u0642\"><span class=\"ez-toc-section\" id=\"%D8%B1%D9%88%D8%A7%D9%86%E2%80%8C%D8%B4%D9%86%D8%A7%D8%B3%DB%8C_%DA%86%D8%B1%D8%AE%D9%87%E2%80%8C_%D8%AD%D9%82%D9%88%D9%82\"><\/span>\u0631\u0648\u0627\u0646\u200c\u0634\u0646\u0627\u0633\u06cc \u0686\u0631\u062e\u0647\u200c \u062d\u0642\u0648\u0642<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-1024x576.jpeg.webp\" alt=\"\u0631\u0648\u0627\u0646\u200c\u0634\u0646\u0627\u0633\u06cc \u0686\u0631\u062e\u0647\u200c \u062d\u0642\u0648\u0642\" class=\"wp-image-50949\" srcset=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-1024x576.jpeg.webp 1024w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-300x169.jpeg.webp 300w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-768x432.jpeg.webp 768w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-600x338.jpeg.webp 600w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-390x220.jpeg.webp 390w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132-835x470.jpeg.webp 835w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-132.jpeg.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>\u062a\u0645\u0627\u0645 \u0634\u062f\u0646 \u067e\u0648\u0644 \u0642\u0628\u0644 \u0627\u0632 \u067e\u0627\u06cc\u0627\u0646 \u0645\u0627\u0647\u060c \u0645\u0639\u0645\u0648\u0644\u0627 \u062d\u0627\u0635\u0644 \u062f\u0648 \u062d\u0627\u0644\u062a \u0630\u0647\u0646\u06cc \u0627\u0633\u062a:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>\u0634\u0627\u062f\u06cc \u0648 \u0622\u0632\u0627\u062f\u06cc \u0645\u0648\u0642\u062a\u06cc \u0628\u0639\u062f \u0627\u0632 \u06af\u0631\u0641\u062a\u0646 \u062d\u0642\u0648\u0642<\/strong> \u0648<\/li>\n\n\n\n<li>&nbsp;<strong>\u0646\u06af\u0631\u0627\u0646\u06cc \u0648 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a \u0634\u062f\u06cc\u062f \u0631\u0648\u0632\u0647\u0627\u06cc \u0622\u062e\u0631 \u0645\u0627\u0647<\/strong>.<\/li>\n<\/ol>\n\n\n\n<p>&nbsp;\u0634\u0646\u0627\u062e\u062a \u0627\u06cc\u0646 \u0686\u0631\u062e\u0647\u060c \u0642\u062f\u0645 \u0627\u0648\u0644 \u0628\u0631\u0627\u06cc \u06a9\u0646\u062a\u0631\u0644 \u0622\u0646 \u0627\u0633\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f1-\u067e\u0627\u0631\u0627\u062f\u0648\u06a9\u0633-\u0631\u0648\u0632-\u062d\u0642\u0648\u0642-\u0686\u0631\u0627-\u067e\u0648\u0644-\u0632\u0648\u062f\u062a\u0631-\u0627\u0632-\u0627\u0646\u062a\u0638\u0627\u0631-\u0646\u0627\u067e\u062f\u06cc\u062f-\u0645\u06cc-\u0634\u0648\u062f\"><span class=\"ez-toc-section\" id=\"%DB%B1-_%D9%BE%D8%A7%D8%B1%D8%A7%D8%AF%D9%88%DA%A9%D8%B3_%D8%B1%D9%88%D8%B2_%D8%AD%D9%82%D9%88%D9%82%D8%9B_%DA%86%D8%B1%D8%A7_%D9%BE%D9%88%D9%84_%D8%B2%D9%88%D8%AF%D8%AA%D8%B1_%D8%A7%D8%B2_%D8%A7%D9%86%D8%AA%D8%B8%D8%A7%D8%B1_%D9%86%D8%A7%D9%BE%D8%AF%DB%8C%D8%AF_%D9%85%DB%8C%E2%80%8C%D8%B4%D9%88%D8%AF%D8%9F\"><\/span>\u06f1- \u067e\u0627\u0631\u0627\u062f\u0648\u06a9\u0633 \u0631\u0648\u0632 \u062d\u0642\u0648\u0642\u061b \u0686\u0631\u0627 \u067e\u0648\u0644 \u0632\u0648\u062f\u062a\u0631 \u0627\u0632 \u0627\u0646\u062a\u0638\u0627\u0631 \u0646\u0627\u067e\u062f\u06cc\u062f \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0627 \u067e\u0631 \u0634\u062f\u0646 \u0645\u0648\u062c\u0648\u062f\u06cc \u062d\u0633\u0627\u0628\u062a \u0628\u0639\u062f \u0627\u0632 \u0686\u0646\u062f \u0631\u0648\u0632 \u0628\u06cc\u200c\u067e\u0648\u0644\u06cc\u060c \u0645\u063a\u0632\u062a \u0648\u0627\u0631\u062f \u062d\u0627\u0644\u062a \u00ab\u0633\u0631\u062e\u0648\u0634\u06cc \u0645\u0627\u0644\u06cc\u00bb \u06cc\u0627 \u0647\u0645\u0627\u0646 \u062a\u0648\u0647\u0645 \u0641\u0631\u0627\u0648\u0627\u0646\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f. \u062d\u0633 \u0645\u06cc\u200c\u06a9\u0646\u06cc \u067e\u0648\u0644 \u0632\u06cc\u0627\u062f \u062f\u0627\u0631\u06cc \u0648 \u062f\u06cc\u06af\u0631 \u0644\u0627\u0632\u0645 \u0646\u06cc\u0633\u062a \u0622\u0646\u200c\u0642\u062f\u0631 \u0633\u062e\u062a\u200c\u06af\u06cc\u0631 \u0628\u0627\u0634\u06cc.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u062d\u0633\u0627\u0628 \u0630\u0647\u0646\u06cc \u0627\u0634\u062a\u0628\u0627\u0647:<\/strong> \u0645\u063a\u0632 \u0645\u0627 \u067e\u0648\u0644 \u062a\u0627\u0632\u0647 \u0631\u0627 \u0645\u062b\u0644 \u067e\u0627\u062f\u0627\u0634 \u0645\u06cc\u200c\u0628\u06cc\u0646\u062f\u060c \u0646\u0647 \u067e\u0648\u0644\u06cc \u0628\u0631\u0627\u06cc \u0645\u062e\u0627\u0631\u062c \u0636\u0631\u0648\u0631\u06cc\u061b \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0648 \u0628\u06cc\u200c\u0647\u062f\u0641 \u0628\u0647\u200c\u0631\u0627\u062d\u062a\u06cc \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/li>\n\n\n\n<li><strong>\u062e\u0633\u062a\u06af\u06cc \u0627\u0632 \u062e\u0648\u062f\u062f\u0627\u0631\u06cc:<\/strong> \u062f\u0631 \u0631\u0648\u0632\u0647\u0627\u06cc \u0622\u062e\u0631 \u0645\u0627\u0647\u060c \u062e\u0648\u062f\u062a \u0631\u0627 \u06a9\u0646\u062a\u0631\u0644 \u06a9\u0631\u062f\u0647\u200c\u0627\u06cc\u060c \u062e\u0631\u062c \u0646\u06a9\u0631\u062f\u0647\u200c\u0627\u06cc\u060c \u0645\u0642\u0627\u0648\u0645\u062a \u06a9\u0631\u062f\u0647\u200c\u0627\u06cc. \u062d\u0627\u0644\u0627 \u0645\u063a\u0632\u062a \u062e\u0633\u062a\u0647 \u0627\u0633\u062a \u0648 \u0628\u0647 \u062e\u0648\u062f\u0634 \u062c\u0627\u06cc\u0632\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f\u061b \u0647\u0645\u0627\u0646 \u062c\u0645\u0644\u0647 \u0645\u0639\u0631\u0648\u0641 \u00ab\u0645\u0646 \u062d\u0642 \u062f\u0627\u0631\u0645 \u0628\u0631\u0627\u06cc \u062e\u0648\u062f\u0645 \u0686\u06cc\u0632\u06cc \u0628\u062e\u0631\u0645\u00bb.<br><strong>\u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0627\u0648\u0644\u06cc\u0647:<\/strong> \u0628\u06cc\u0634\u062a\u0631 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0633\u0646\u06af\u06cc\u0646 \u0645\u0627\u0646\u0646\u062f \u0627\u062c\u0627\u0631\u0647\u060c \u0642\u0628\u0648\u0636\u060c \u0642\u0633\u0637 \u0648&#8230;\u0647\u0645\u0627\u0646 \u0627\u0648\u0644 \u0645\u0627\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0628\u062e\u0634 \u0632\u06cc\u0627\u062f\u06cc \u0627\u0632 \u062f\u0631\u0622\u0645\u062f \u0645\u06cc\u200c\u0631\u0648\u062f \u0648 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647\u060c \u062f\u0631 \u0646\u06af\u0627\u0647 \u0627\u0648\u0644\u060c \u0628\u06cc\u0634\u062a\u0631 \u0627\u0632 \u0648\u0627\u0642\u0639 \u0628\u0647 \u0646\u0638\u0631 \u0645\u06cc\u200c\u0631\u0633\u062f. \u0647\u0645\u06cc\u0646 \u062a\u0648\u0647\u0645 \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u0628\u06cc\u0634\u062a\u0631 \u062e\u0631\u062c \u06a9\u0646\u06cc \u062a\u0627 \u062f\u06cc\u0631 \u0646\u0634\u062f\u0647.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f2-\u0630\u0647\u0646\u06cc\u062a-\u06a9\u0645\u0628\u0648\u062f-\u0648-\u062a\u0641\u06a9\u0631-\u06a9\u0648\u062a\u0627\u0647-\u0645\u062f\u062a\"><span class=\"ez-toc-section\" id=\"%DB%B2-_%D8%B0%D9%87%D9%86%DB%8C%D8%AA_%DA%A9%D9%85%D8%A8%D9%88%D8%AF_%D9%88_%D8%AA%D9%81%DA%A9%D8%B1_%DA%A9%D9%88%D8%AA%D8%A7%D9%87%E2%80%8C%D9%85%D8%AF%D8%AA\"><\/span>\u06f2- \u0630\u0647\u0646\u06cc\u062a \u06a9\u0645\u0628\u0648\u062f \u0648 \u062a\u0641\u06a9\u0631 \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0648\u0642\u062a\u06cc \u0645\u0646\u0627\u0628\u0639 \u0645\u062d\u062f\u0648\u062f \u0627\u0633\u062a\u060c \u0630\u0647\u0646 \u0641\u0642\u0637 \u0631\u0648\u06cc \u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u0641\u0648\u0631\u06cc \u062a\u0645\u0631\u06a9\u0632 \u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u067e\u062f\u06cc\u062f\u0647\u200c\u0627\u06cc \u06a9\u0647 \u0631\u0648\u0627\u0646\u200c\u0634\u0646\u0627\u0633\u0627\u0646 \u0622\u0646 \u0631\u0627 \u0631\u0648\u0627\u0646\u200c\u0634\u0646\u0627\u0633\u06cc \u06a9\u0645\u0628\u0648\u062f \u0645\u06cc\u200c\u0646\u0627\u0645\u0646\u062f. \u0627\u06cc\u0646 \u0648\u0627\u06a9\u0646\u0634 \u062f\u0631 \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a \u0645\u0641\u06cc\u062f \u0627\u0633\u062a\u060c \u0627\u0645\u0627 \u062f\u0631 \u0628\u0644\u0646\u062f\u0645\u062f\u062a \u0645\u0627\u0646\u0639 <a href=\"https:\/\/nobitex.ir\/mag\/what-is-savings\/\">\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632<\/a> \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u062a\u0631\u062c\u06cc\u062d \u062d\u0627\u0644 \u0628\u0647 \u0622\u06cc\u0646\u062f\u0647:<\/strong> \u0648\u0642\u062a\u06cc \u0628\u0627\u06cc\u062f \u0628\u06cc\u0646 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u06f1\u06f0 \u062a\u0648\u0645\u0627\u0646 \u0628\u0631\u0627\u06cc \u0622\u06cc\u0646\u062f\u0647 \u06cc\u0627 \u062e\u0631\u062c \u0622\u0646 \u0628\u0631\u0627\u06cc \u0646\u06cc\u0627\u0632 \u0627\u0645\u0631\u0648\u0632 \u0627\u0646\u062a\u062e\u0627\u0628 \u06a9\u0646\u06cc\u060c \u0630\u0647\u0646 \u0645\u0639\u0645\u0648\u0644\u0627 \u06af\u0632\u06cc\u0646\u0647 \u062f\u0648\u0645 \u0631\u0627 \u0628\u0631\u0645\u06cc\u200c\u06af\u0632\u06cc\u0646\u062f. \u0622\u06cc\u0646\u062f\u0647 \u0647\u0645\u06cc\u0634\u0647 \u062f\u0631 \u0631\u0642\u0627\u0628\u062a \u0628\u0627 \u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u0641\u0648\u0631\u06cc \u0628\u0627\u0632\u0646\u062f\u0647 \u0627\u0633\u062a.<\/li>\n\n\n\n<li><strong>\u062e\u0633\u062a\u06af\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc:<\/strong> \u0632\u0646\u062f\u06af\u06cc \u0628\u0627 \u062f\u0631\u0622\u0645\u062f \u067e\u0627\u06cc\u06cc\u0646 \u06cc\u0639\u0646\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u0631\u06cc\u0632 \u0648 \u062e\u0633\u062a\u0647\u200c\u06a9\u0646\u0646\u062f\u0647 \u0647\u0631 \u0631\u0648\u0632: \u00ab \u067e\u06cc\u0627\u062f\u0647 \u0628\u0631\u0645 \u062a\u0627 \u06f5 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0646 \u0635\u0631\u0641\u0647\u200c\u062c\u0648\u06cc\u06cc \u06a9\u0646\u0645 \u06cc\u0627 \u0628\u0627 \u0627\u062a\u0648\u0628\u0648\u0633 \u0628\u0631\u0645\u061f\u00bb\u060c \u00ab\u0628\u0631\u0646\u062c \u0627\u06cc\u0631\u0627\u0646\u06cc \u06cc\u0627 \u062e\u0627\u0631\u062c\u06cc\u061f\u00bb \u0627\u06cc\u0646 \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0627\u0646\u0631\u0698\u06cc \u0630\u0647\u0646\u06cc \u0631\u0627 \u0645\u06cc\u200c\u062e\u0648\u0631\u0646\u062f \u0648 \u062f\u0631 \u0646\u0647\u0627\u06cc\u062a \u0628\u0627\u0639\u062b \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u0627\u062d\u0633\u0627\u0633\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/li>\n\n\n\n<li><strong>\u0641\u0634\u0627\u0631 \u0627\u062c\u062a\u0645\u0627\u0639\u06cc:<\/strong> \u0646\u0647 \u06af\u0641\u062a\u0646 \u0628\u0647 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0642\u0631\u0636 \u06cc\u0627 \u0634\u0631\u06a9\u062a \u0646\u06a9\u0631\u062f\u0646 \u062f\u0631 \u0645\u0647\u0645\u0627\u0646\u06cc\u200c\u0647\u0627\u060c \u0628\u0631\u0627\u06cc \u062e\u06cc\u0644\u06cc\u200c\u0647\u0627 \u0633\u062e\u062a \u0627\u0633\u062a. \u062e\u0631\u062c\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0627\u0632 \u0633\u0631 \u0645\u062d\u0628\u062a \u06cc\u0627 \u0631\u0648\u062f\u0631\u0628\u0627\u06cc\u0633\u062a\u06cc \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f\u060c \u0645\u0639\u0645\u0648\u0644\u0627 \u062f\u0631 \u0628\u0648\u062f\u062c\u0647 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0646\u0634\u062f\u0647\u200c\u0627\u0646\u062f \u0627\u0645\u0627 \u062d\u0633\u0627\u0628\u06cc \u0627\u062b\u0631 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u0646\u062f.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f: <a href=\"https:\/\/nobitex.ir\/mag\/financial-health\/\">\u06f5 \u0639\u0627\u062f\u062a \u0645\u0647\u0645 \u0628\u0631\u0627\u06cc \u062f\u0627\u0634\u062a\u0646 \u06cc\u06a9 \u0632\u0646\u062f\u06af\u06cc \u0645\u0627\u0644\u06cc \u0633\u0627\u0644\u0645<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0634\u06a9\u0633\u062a\u0646-\u0686\u0631\u062e\u0647-\u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc-\u0639\u0645\u0644\u06cc-\u0628\u0631\u0627\u06cc-\u067e\u0633-\u0627\u0646\u062f\u0627\u0632\"><span class=\"ez-toc-section\" id=\"%D8%B4%DA%A9%D8%B3%D8%AA%D9%86_%DA%86%D8%B1%D8%AE%D9%87%D8%9B_%D8%B1%D8%A7%D9%87%DA%A9%D8%A7%D8%B1%D9%87%D8%A7%DB%8C_%D8%B9%D9%85%D9%84%DB%8C_%D8%A8%D8%B1%D8%A7%DB%8C_%D9%BE%D8%B3%E2%80%8C%D8%A7%D9%86%D8%AF%D8%A7%D8%B2\"><\/span>\u0634\u06a9\u0633\u062a\u0646 \u0686\u0631\u062e\u0647\u061b \u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc \u0628\u0631\u0627\u06cc \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-1024x576.jpeg.webp\" alt=\"\u0634\u06a9\u0633\u062a\u0646 \u0686\u0631\u062e\u0647\u061b \u0631\u0627\u0647\u06a9\u0627\u0631\u0647\u0627\u06cc \u0639\u0645\u0644\u06cc \u0628\u0631\u0627\u06cc \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\" class=\"wp-image-50948\" srcset=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-1024x576.jpeg.webp 1024w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-300x169.jpeg.webp 300w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-768x432.jpeg.webp 768w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-600x338.jpeg.webp 600w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-390x220.jpeg.webp 390w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130-835x470.jpeg.webp 835w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-130.jpeg.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>\u0628\u0631\u0627\u06cc \u0631\u0647\u0627\u06cc\u06cc \u0627\u0632 \u0627\u06cc\u0646 \u0686\u0631\u062e\u0647\u060c \u0628\u0627\u06cc\u062f \u0647\u0645 \u0631\u0641\u062a\u0627\u0631\u0645\u0627\u0646 \u0631\u0627 \u0647\u062f\u0641\u0645\u0646\u062f\u062a\u0631 \u06a9\u0646\u06cc\u0645 \u0648 \u0647\u0645 \u0633\u0627\u062e\u062a\u0627\u0631 \u0645\u0627\u0644\u06cc\u200c\u0645\u0627\u0646 \u0631\u0627 \u0633\u0627\u0645\u0627\u0646 \u0628\u062f\u0647\u06cc\u0645.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f1-\u062a\u0631\u0641\u0646\u062f\u0647\u0627\u06cc-\u0631\u0641\u062a\u0627\u0631\u06cc-\u0628\u0631\u0627\u06cc-\u06a9\u0646\u062a\u0631\u0644-\u062e\u0631\u062c\"><span class=\"ez-toc-section\" id=\"%DB%B1-_%D8%AA%D8%B1%D9%81%D9%86%D8%AF%D9%87%D8%A7%DB%8C_%D8%B1%D9%81%D8%AA%D8%A7%D8%B1%DB%8C_%D8%A8%D8%B1%D8%A7%DB%8C_%DA%A9%D9%86%D8%AA%D8%B1%D9%84_%D8%AE%D8%B1%D8%AC\"><\/span>\u06f1- \u062a\u0631\u0641\u0646\u062f\u0647\u0627\u06cc \u0631\u0641\u062a\u0627\u0631\u06cc \u0628\u0631\u0627\u06cc \u06a9\u0646\u062a\u0631\u0644 \u062e\u0631\u062c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u062f\u0631 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u0627\u0644\u06cc\u060c \u0627\u0631\u0627\u062f\u0647 \u06a9\u0627\u0641\u06cc \u0646\u06cc\u0633\u062a\u061b \u0628\u0627\u06cc\u062f \u0633\u06cc\u0633\u062a\u0645 \u0628\u0633\u0627\u0632\u06cc.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0648\u0642\u0641\u0647\u200c\u06cc \u06f2\u06f4 \u062a\u0627 \u06f4\u06f8 \u0633\u0627\u0639\u062a\u0647 \u0628\u0639\u062f \u0627\u0632 \u062d\u0642\u0648\u0642:<\/strong> \u0631\u0648\u0632\u06cc \u06a9\u0647 \u062d\u0642\u0648\u0642 \u0645\u06cc\u200c\u0631\u0633\u062f\u060c \u06a9\u0627\u0631\u06cc \u0646\u06a9\u0646. \u0646\u0647 \u062e\u0631\u06cc\u062f\u060c \u0646\u0647 \u0627\u0646\u062a\u0642\u0627\u0644\u060c \u0646\u0647 \u062e\u0631\u062c. \u0628\u06af\u0630\u0627\u0631 \u062d\u0633 \u0647\u06cc\u062c\u0627\u0646 \u0641\u0631\u0648\u06a9\u0634 \u06a9\u0646\u062f \u0648 \u0628\u0639\u062f \u0628\u0627 \u0630\u0647\u0646\u06cc \u0622\u0631\u0627\u0645 \u062a\u0635\u0645\u06cc\u0645 \u0628\u06af\u06cc\u0631.<\/li>\n\n\n\n<li><strong>\u0627\u0648\u0644 \u062e\u0648\u062f\u062a \u0631\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646:<\/strong> \u0628\u0647\u200c\u0645\u062d\u0636 \u0648\u0627\u0631\u06cc\u0632 \u062d\u0642\u0648\u0642\u060c \u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a\u06cc (\u0645\u062b\u0644\u0627 \u06f5\u06f0 \u062a\u0627 \u06f1\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646) \u0631\u0627 \u0628\u0647 \u062d\u0633\u0627\u0628\u06cc \u062c\u062f\u0627 \u0645\u0646\u062a\u0642\u0644 \u06a9\u0646. \u0627\u06cc\u0646 \u067e\u0648\u0644 \u0631\u0627 \u00ab\u062e\u0631\u062c \u0646\u06a9\u0631\u062f\u0646\u06cc\u00bb \u062f\u0631 \u0646\u0638\u0631 \u0628\u06af\u06cc\u0631. \u0628\u0647\u062a\u0631 \u0627\u0633\u062a \u062d\u0633\u0627\u0628 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\u062a \u062f\u0631 \u0628\u0627\u0646\u06a9\u06cc \u062f\u06cc\u06af\u0631 \u0628\u0627\u0634\u062f \u062a\u0627 \u0648\u0633\u0648\u0633\u0647 \u0628\u0631\u062f\u0627\u0634\u062a \u06a9\u0645\u200c\u062a\u0631 \u0634\u0648\u062f.<\/li>\n\n\n\n<li><strong>\u0633\u06cc\u0633\u062a\u0645 \u067e\u0627\u06a9\u062a \u0646\u0642\u062f\u06cc:<\/strong> \u0628\u0631\u0627\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc\u06cc \u0645\u062b\u0644 \u063a\u0630\u0627\u060c \u062a\u0641\u0631\u06cc\u062d \u06cc\u0627 \u062e\u0631\u06cc\u062f \u0634\u062e\u0635\u06cc\u060c \u067e\u0648\u0644 \u0646\u0642\u062f \u062c\u062f\u0627 \u06a9\u0646. \u0647\u0631 \u067e\u0627\u06a9\u062a \u0633\u0647\u0645 \u062e\u0648\u062f\u0634 \u0631\u0627 \u062f\u0627\u0631\u062f. \u0648\u0642\u062a\u06cc \u067e\u0627\u06a9\u062a \u062e\u0627\u0644\u06cc \u0634\u062f\u060c \u062e\u0631\u062c \u062a\u0645\u0627\u0645 \u0627\u0633\u062a.<\/li>\n\n\n\n<li><strong>\u0642\u0627\u0646\u0648\u0646 \u06f2\u06f4 \u0633\u0627\u0639\u062a \u0628\u0631\u0627\u06cc \u062e\u0631\u06cc\u062f\u0647\u0627\u06cc \u063a\u06cc\u0631\u0636\u0631\u0648\u0631\u06cc:<\/strong> \u0686\u06cc\u0632\u06cc \u062f\u06cc\u062f\u06cc \u06a9\u0647 \u062e\u0648\u0634\u062a \u0622\u0645\u062f\u0647\u061f \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u0646\u06a9\u0646. \u06f2\u06f4 \u0633\u0627\u0639\u062a \u0635\u0628\u0631 \u06a9\u0646 \u0648 \u0627\u06af\u0631 \u0628\u0639\u062f \u0627\u0632 \u0622\u0646 \u0647\u0646\u0648\u0632 \u0646\u06cc\u0627\u0632\u0634 \u0631\u0627 \u0627\u062d\u0633\u0627\u0633 \u06a9\u0631\u062f\u06cc\u060c \u0622\u0646 \u0648\u0642\u062a \u062a\u0635\u0645\u06cc\u0645 \u0628\u06af\u06cc\u0631.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0645\u0648\u0631\u062f<\/strong><\/td><td><strong>\u0642\u06cc\u0645\u062a<\/strong><\/td><td><strong>\u0646\u06cc\u0627\u0632 \u0648\u0627\u0642\u0639\u06cc\u061f<\/strong><\/td><td><strong>\u062d\u0633 \u0628\u0639\u062f \u0627\u0632 \u06f2\u06f4 \u0633\u0627\u0639\u062a<\/strong><\/td><td><strong>\u062a\u0635\u0645\u06cc\u0645 \u0646\u0647\u0627\u06cc\u06cc<\/strong><\/td><\/tr><tr><td>\u06a9\u0641\u0634 \u062c\u062f\u06cc\u062f<\/td><td>\u06f1,\u06f8\u06f0\u06f0,\u06f0\u06f0\u06f0 \u062a\u0648\u0645\u0627\u0646<\/td><td>\u0646\u0647<\/td><td>\u0628\u06cc\u200c\u062a\u0641\u0627\u0648\u062a<\/td><td>\u0646\u062e\u0631\u06cc\u062f<\/td><\/tr><tr><td>\u0647\u062f\u0641\u0648\u0646 \u0628\u06cc\u200c\u0633\u06cc\u0645<\/td><td>\u06f2,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0 \u062a\u0648\u0645\u0627\u0646<\/td><td>\u0634\u0627\u06cc\u062f<\/td><td>\u0647\u0646\u0648\u0632 \u062a\u0645\u0627\u06cc\u0644 \u062f\u0627\u0631\u0645<\/td><td>\u062e\u0631\u06cc\u062f \u0628\u0627 \u0628\u0648\u062f\u062c\u0647 \u062a\u0641\u0631\u06cc\u062d<\/td><\/tr><tr><td>\u06a9\u06cc\u0641 \u06a9\u0627\u0631<\/td><td>\u06f3,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0 \u062a\u0648\u0645\u0627\u0646<\/td><td>\u0628\u0644\u0647<\/td><td>\u0645\u0637\u0645\u0626\u0646<\/td><td>\u062e\u0631\u06cc\u062f \u0636\u0631\u0648\u0631\u06cc<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f2-\u0628\u0648\u062f\u062c\u0647-\u0628\u0646\u062f\u06cc-\u062f\u0642\u06cc\u0642-\u0628\u0631\u0627\u06cc-\u062f\u0631\u0622\u0645\u062f-\u067e\u0627\u06cc\u06cc\u0646\"><span class=\"ez-toc-section\" id=\"%DB%B2-_%D8%A8%D9%88%D8%AF%D8%AC%D9%87%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C_%D8%AF%D9%82%DB%8C%D9%82_%D8%A8%D8%B1%D8%A7%DB%8C_%D8%AF%D8%B1%D8%A2%D9%85%D8%AF_%D9%BE%D8%A7%DB%8C%DB%8C%D9%86\"><\/span>\u06f2- \u0628\u0648\u062f\u062c\u0647\u200c\u0628\u0646\u062f\u06cc \u062f\u0642\u06cc\u0642 \u0628\u0631\u0627\u06cc \u062f\u0631\u0622\u0645\u062f \u067e\u0627\u06cc\u06cc\u0646<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u0628\u0648\u062f\u062c\u0647\u200c\u0627\u062a \u0628\u0627\u06cc\u062f \u0646\u0642\u0634\u0647\u200c \u0648\u0627\u0642\u0639\u06cc \u0632\u0646\u062f\u06af\u06cc\u200c\u0627\u062a \u0628\u0627\u0634\u062f\u060c \u0646\u0647 \u062c\u062f\u0648\u0644\u06cc \u0622\u0631\u0645\u0627\u0646\u06cc. \u0647\u0631 \u062a\u0648\u0645\u0627\u0646 \u0628\u0627\u06cc\u062f \u0648\u0638\u06cc\u0641\u0647\u200c\u0627\u06cc \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0646\u0642\u0634\u0647\u200c\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc\u062a \u0631\u0627 \u0628\u0646\u0648\u06cc\u0633:<\/strong> \u0628\u0628\u06cc\u0646 \u0647\u0631 \u062d\u0642\u0648\u0642 \u0628\u0631\u0627\u06cc \u0686\u0647 \u062e\u0631\u062c\u200c\u0647\u0627\u06cc\u06cc \u0645\u06cc\u200c\u0631\u0648\u062f. \u0645\u062b\u0644\u0627 \u062d\u0642\u0648\u0642 \u0627\u0648\u0644 \u0628\u0631\u0627\u06cc \u0627\u062c\u0627\u0631\u0647 \u0648 \u0642\u0628\u0648\u0636\u060c \u062d\u0642\u0648\u0642 \u062f\u0648\u0645 \u0628\u0631\u0627\u06cc \u062e\u0648\u0631\u0627\u06a9 \u0648 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627.<\/li>\n\n\n\n<li><strong>\u062a\u0645\u0631\u06a9\u0632 \u0628\u0631 \u0633\u0647 \u0628\u062e\u0634 \u0628\u0632\u0631\u06af:<\/strong><strong><br><\/strong><strong>\u06f1- \u062e\u0648\u0631\u0627\u06a9:<\/strong> \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\u06cc \u0648\u0639\u062f\u0647\u200c\u0647\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u062a\u062e\u0641\u06cc\u0641\u200c\u0647\u0627\u060c \u062e\u0631\u06cc\u062f \u0639\u0645\u062f\u0647 \u0648 \u063a\u0630\u0627\u06cc \u062e\u0627\u0646\u06af\u06cc. \u062d\u0630\u0641 \u062d\u062a\u06cc \u06cc\u06a9 \u0648\u0639\u062f\u0647 \u0641\u0633\u062a\u200c\u0641\u0648\u062f \u062f\u0631 \u0647\u0641\u062a\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062a\u0641\u0627\u0648\u062a \u0632\u06cc\u0627\u062f\u06cc \u0628\u0633\u0627\u0632\u062f.<br>\u06f2- <strong>\u0645\u0633\u06a9\u0646 \u0648 \u0627\u0646\u0631\u0698\u06cc:<\/strong> \u0627\u06af\u0631 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a\u060c \u0647\u0645\u200c\u062e\u0627\u0646\u0647 \u0628\u06af\u06cc\u0631 \u06cc\u0627 \u0627\u0632 \u0637\u0631\u062d\u200c\u0647\u0627\u06cc \u06a9\u0645\u06a9\u200c\u0647\u0632\u06cc\u0646\u0647 \u0627\u0646\u0631\u0698\u06cc \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646. \u06a9\u0627\u0647\u0634 \u0686\u0646\u062f \u062f\u0631\u062c\u0647 \u0627\u0632 \u06af\u0631\u0645\u0627\u06cc\u0634 \u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u0634 \u062e\u0627\u0646\u0647 \u062f\u0631 \u0637\u0648\u0644 \u0633\u0627\u0644\u060c \u0635\u0631\u0641\u0647\u200c\u062c\u0648\u06cc\u06cc \u0632\u06cc\u0627\u062f\u06cc \u062f\u0627\u0631\u062f.<br>\u06f3- <strong>\u0631\u0641\u062a\u200c\u0648\u200c\u0622\u0645\u062f:<\/strong> \u06a9\u0627\u0631\u0647\u0627\u06cc\u062a \u0631\u0627 \u06cc\u06a9\u06cc\u200c\u06cc\u06a9\u06cc \u0627\u0646\u062c\u0627\u0645 \u0646\u062f\u0647\u060c \u0647\u0645\u0647 \u0631\u0627 \u062f\u0631 \u06cc\u06a9 \u0645\u0633\u06cc\u0631 \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0631\u06cc\u0632\u06cc \u06a9\u0646. \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u062d\u0645\u0644\u200c\u0648\u0646\u0642\u0644 \u0639\u0645\u0648\u0645\u06cc \u06cc\u0627 \u062f\u0648\u0686\u0631\u062e\u0647 \u062f\u0631 \u0645\u0633\u06cc\u0631\u0647\u0627\u06cc \u06a9\u0648\u062a\u0627\u0647\u060c \u0647\u0645 \u0633\u0644\u0627\u0645\u062a \u0627\u0633\u062a \u0648 \u0647\u0645 \u0635\u0631\u0641\u0647\u200c\u062c\u0648\u06cc\u06cc.<\/li>\n\n\n\n<li><strong>\u0635\u0646\u062f\u0648\u0642\u200c\u0647\u0627\u06cc \u0647\u062f\u0641\u200c\u062f\u0627\u0631 (\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0645\u0648\u0636\u0648\u0639\u06cc):<\/strong> \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc\u06cc \u0645\u062b\u0644 \u0639\u06cc\u062f\u06cc\u060c \u062a\u0639\u0645\u06cc\u0631 \u0645\u0627\u0634\u06cc\u0646 \u06cc\u0627 \u0644\u0648\u0627\u0632\u0645 \u0645\u062f\u0631\u0633\u0647 \u0631\u0627 \u0627\u0632 \u0642\u0628\u0644 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u06a9\u0646. \u0647\u0631 \u0645\u0627\u0647 \u0645\u0628\u0644\u063a \u06a9\u0645\u06cc \u0628\u0631\u0627\u06cc \u0647\u0631 \u0647\u062f\u0641 \u06a9\u0646\u0627\u0631 \u0628\u06af\u0630\u0627\u0631 \u062a\u0627 \u0648\u0642\u062a\u06cc \u0632\u0645\u0627\u0646\u0634 \u0631\u0633\u06cc\u062f\u060c \u0628\u0648\u062f\u062c\u0647\u200c\u0627\u062a \u0646\u0627\u0628\u0648\u062f \u0646\u0634\u0648\u062f.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u062f\u0633\u062a\u0647\u200c\u0628\u0646\u062f\u06cc<\/strong><\/td><td><strong>\u062f\u0631\u0635\u062f \u0627\u0632 \u062f\u0631\u0622\u0645\u062f<\/strong><\/td><td><strong>\u0645\u0628\u0644\u063a (\u062a\u0648\u0645\u0627\u0646)<\/strong><\/td><td><strong>\u062a\u0648\u0636\u06cc\u062d<\/strong><\/td><\/tr><tr><td>\u0645\u0633\u06a9\u0646 \u0648 \u0642\u0628\u0648\u0636<\/td><td>\u06f3\u06f5\u066a<\/td><td>\u06f5,\u06f2\u06f5\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0627\u062c\u0627\u0631\u0647\u060c \u0622\u0628\u060c \u0628\u0631\u0642\u060c \u0627\u06cc\u0646\u062a\u0631\u0646\u062a<\/td><\/tr><tr><td>\u062e\u0648\u0631\u0627\u06a9<\/td><td>\u06f2\u06f5\u066a<\/td><td>\u06f3,\u06f7\u06f5\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0645\u0648\u0627\u062f \u063a\u0630\u0627\u06cc\u06cc\u060c \u0648\u0639\u062f\u0647\u200c\u0647\u0627\u06cc \u0628\u06cc\u0631\u0648\u0646<\/td><\/tr><tr><td>\u062d\u0645\u0644\u200c\u0648\u0646\u0642\u0644<\/td><td>\u06f1\u06f0\u066a<\/td><td>\u06f1,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0633\u0648\u062e\u062a \u06cc\u0627 \u06a9\u0631\u0627\u06cc\u0647<\/td><\/tr><tr><td>\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0648 \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc<\/td><td>\u06f1\u06f0\u066a<\/td><td>\u06f1,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0647\u062f\u0641 \u0627\u0648\u0644\u06cc\u0647: \u06f1\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646<\/td><\/tr><tr><td>\u062a\u0641\u0631\u06cc\u062d \u0648 \u0634\u062e\u0635\u06cc<\/td><td>\u06f1\u06f0\u066a<\/td><td>\u06f1,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062f\u0644\u062e\u0648\u0627\u0647 \u0648 \u0633\u0631\u06af\u0631\u0645\u06cc<\/td><\/tr><tr><td>\u0628\u062f\u0647\u06cc\u200c\u0647\u0627 \u0648 \u0627\u0642\u0633\u0627\u0637<\/td><td>\u06f1\u06f0\u066a<\/td><td>\u06f1,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u062a\u0633\u0648\u06cc\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u0646\u06a9\u062a\u0647:<\/strong> \u0628\u0627 \u062f\u0631\u0622\u0645\u062f \u067e\u0627\u06cc\u06cc\u0646\u060c \u06a9\u0644\u06cc\u062f \u0627\u0635\u0644\u06cc \u0645\u0648\u0641\u0642\u06cc\u062a\u060c \u0634\u0641\u0627\u0641\u06cc\u062a \u062f\u0631 \u062c\u0631\u06cc\u0627\u0646 \u067e\u0648\u0644 \u0627\u0633\u062a. \u0628\u062f\u0627\u0646 \u0647\u0631 \u062a\u0648\u0645\u0627\u0646 \u062f\u0642\u06cc\u0642\u0627 \u06a9\u062c\u0627 \u0645\u06cc\u200c\u0631\u0648\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f3-\u0633\u0627\u062e\u062a-\u0633\u067e\u0631-\u0645\u0627\u0644\u06cc-\u06a9\u0648\u0686\u06a9-\u0627\u0645\u0627-\u0646\u062c\u0627\u062a-\u062f\u0647\u0646\u062f\u0647\"><span class=\"ez-toc-section\" id=\"%DB%B3-_%D8%B3%D8%A7%D8%AE%D8%AA_%D8%B3%D9%BE%D8%B1_%D9%85%D8%A7%D9%84%DB%8C_%DA%A9%D9%88%DA%86%DA%A9_%D8%A7%D9%85%D8%A7_%D9%86%D8%AC%D8%A7%D8%AA_%D8%AF%D9%87%D9%86%D8%AF%D9%87\"><\/span>\u06f3- \u0633\u0627\u062e\u062a \u0633\u067e\u0631 \u0645\u0627\u0644\u06cc \u06a9\u0648\u0686\u06a9 \u0627\u0645\u0627 \u0646\u062c\u0627\u062a \u062f\u0647\u0646\u062f\u0647<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u0622\u0631\u0627\u0645\u0634 \u0645\u0627\u0644\u06cc \u0627\u0632 \u062b\u0631\u0648\u062a \u0646\u0645\u06cc\u200c\u0622\u06cc\u062f\u061b \u0627\u0632 \u062a\u0648\u0627\u0646 \u0645\u0642\u0627\u0628\u0644\u0647 \u0628\u0627 \u0627\u062a\u0641\u0627\u0642\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0645\u0646\u062a\u0638\u0631\u0647 \u0628\u062f\u0648\u0646 \u0642\u0631\u0636 \u06af\u0631\u0641\u062a\u0646 \u0645\u06cc\u200c\u0622\u06cc\u062f.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc:<\/strong> \u0627\u0648\u0644\u06cc\u0646 \u0647\u062f\u0641\u060c \u062c\u0645\u0639 \u06a9\u0631\u062f\u0646 \u0645\u0628\u0644\u063a\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631\u0627\u06cc \u062a\u0639\u0645\u06cc\u0631 \u0648\u0633\u0627\u06cc\u0644\u060c \u0628\u06cc\u0645\u0627\u0631\u06cc\u200c\u0647\u0627\u06cc \u062c\u0632\u0626\u06cc \u06cc\u0627 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0641\u0648\u0631\u06cc \u06a9\u0627\u0641\u06cc \u0628\u0627\u0634\u062f \u0648 \u062c\u0644\u0648\u06cc \u0628\u062f\u0647\u06cc \u062c\u062f\u06cc\u062f \u0631\u0627 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f.<br><strong>\u0628\u0648\u062f\u062c\u0647\u200c\u06cc \u0644\u0630\u062a:<\/strong> \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0628\u0647 \u0645\u0639\u0646\u06cc \u0645\u062d\u0631\u0648\u0645\u06cc\u062a \u0646\u06cc\u0633\u062a. \u0645\u0628\u0644\u063a \u06a9\u0645\u06cc \u0628\u0631\u0627\u06cc \u062a\u0641\u0631\u06cc\u062d \u06cc\u0627 \u062e\u0631\u06cc\u062f \u062f\u0644\u062e\u0648\u0627\u0647 \u06a9\u0646\u0627\u0631 \u0628\u06af\u0630\u0627\u0631 \u062a\u0627 \u062d\u0633 \u0641\u0634\u0627\u0631 \u0645\u0627\u0644\u06cc \u0646\u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc.<br><strong>\u067e\u0627\u06a9\u0633\u0627\u0632\u06cc \u0627\u0634\u062a\u0631\u0627\u06a9\u200c\u0647\u0627\u06cc \u067e\u0646\u0647\u0627\u0646:<\/strong> \u0647\u0645\u0647 \u0628\u0631\u062f\u0627\u0634\u062a\u200c\u0647\u0627\u06cc \u062e\u0648\u062f\u06a9\u0627\u0631 \u062d\u0633\u0627\u0628\u062a \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646. \u0627\u0634\u062a\u0631\u0627\u06a9\u200c\u0647\u0627\u06cc\u06cc \u0631\u0627 \u06a9\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0646\u0645\u06cc\u200c\u06a9\u0646\u06cc \u062d\u0630\u0641 \u06a9\u0646. \u062d\u062a\u06cc \u0627\u0634\u062a\u0631\u0627\u06a9\u200c\u0647\u0627\u06cc \u06f1\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646\u06cc \u0645\u0627\u0647\u0627\u0646\u0647 \u0647\u0645 \u062f\u0631 \u0633\u0627\u0644 \u0645\u0628\u0644\u063a \u0632\u06cc\u0627\u062f\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>\u0647\u062f\u0641<\/strong><\/td><td><strong>\u0645\u0628\u0644\u063a \u0646\u0647\u0627\u06cc\u06cc<\/strong><\/td><td><strong>\u0645\u062f\u062a\u200c\u0632\u0645\u0627\u0646<\/strong><\/td><td><strong>\u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0645\u0627\u0647\u0627\u0646\u0647<\/strong><\/td><td><strong>\u0645\u062d\u0644 \u0646\u06af\u0647\u062f\u0627\u0631\u06cc<\/strong><\/td><\/tr><tr><td>\u062a\u0639\u0645\u06cc\u0631 \u062e\u0648\u062f\u0631\u0648<\/td><td>\u06f6,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u06f6 \u0645\u0627\u0647<\/td><td>\u06f1,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u062d\u0633\u0627\u0628 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u062c\u062f\u0627<\/td><\/tr><tr><td>\u0647\u062f\u0627\u06cc\u0627 \u0648 \u0645\u0646\u0627\u0633\u0628\u062a\u200c\u0647\u0627<\/td><td>\u06f3,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u06f1\u06f2 \u0645\u0627\u0647<\/td><td>\u06f2\u06f5\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u067e\u0627\u06a9\u062a \u0646\u0642\u062f\u06cc<\/td><\/tr><tr><td>\u0647\u0632\u06cc\u0646\u0647 \u062f\u0631\u0645\u0627\u0646<\/td><td>\u06f5,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u06f1\u06f0 \u0645\u0627\u0647<\/td><td>\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc<\/td><\/tr><tr><td>\u0633\u0641\u0631 \u062a\u0627\u0628\u0633\u062a\u0627\u0646\u06cc<\/td><td>\u06f1\u06f0,\u06f0\u06f0\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u06f1\u06f2 \u0645\u0627\u0647<\/td><td>\u06f8\u06f3\u06f0,\u06f0\u06f0\u06f0<\/td><td>\u062d\u0633\u0627\u0628 \u062e\u0627\u0646\u0648\u0627\u062f\u06af\u06cc \u0645\u0634\u062a\u0631\u06a9<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f4-\u0642\u0631\u0636-\u06af\u0631\u0641\u062a\u0646-\u0645\u0646\u0637\u0642\u06cc-\u062f\u0631-\u0645\u0648\u0627\u0642\u0639-\u0636\u0631\u0648\u0631\u06cc\"><span class=\"ez-toc-section\" id=\"%DB%B4-_%D9%82%D8%B1%D8%B6_%DA%AF%D8%B1%D9%81%D8%AA%D9%86_%D9%85%D9%86%D8%B7%D9%82%DB%8C_%D8%AF%D8%B1_%D9%85%D9%88%D8%A7%D9%82%D8%B9_%D8%B6%D8%B1%D9%88%D8%B1%DB%8C\"><\/span>\u06f4- \u0642\u0631\u0636 \u06af\u0631\u0641\u062a\u0646 \u0645\u0646\u0637\u0642\u06cc \u062f\u0631 \u0645\u0648\u0627\u0642\u0639 \u0636\u0631\u0648\u0631\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u0627\u06af\u0631 \u0648\u0627\u0642\u0639\u0627 \u0631\u0627\u0647\u06cc \u062c\u0632 \u0642\u0631\u0636 \u06af\u0631\u0641\u062a\u0646 \u0646\u062f\u0627\u0631\u06cc\u060c \u0645\u0647\u0645 \u0627\u0633\u062a \u0627\u0632 \u06a9\u062c\u0627 \u0648 \u0686\u0637\u0648\u0631 \u0642\u0631\u0636 \u0645\u06cc\u200c\u06a9\u0646\u06cc.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0632 \u0627\u06cc\u0646\u200c \u0645\u0648\u0627\u0631\u062f \u062f\u0648\u0631\u06cc \u06a9\u0646:<\/strong> \u0648\u0627\u0645 \u0631\u0648\u0632\u0645\u0632\u062f\u060c \u06a9\u0627\u0631\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0628\u0631\u0627\u06cc \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0631\u0648\u0632\u0645\u0631\u0647\u060c \u06cc\u0627 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc\u06cc \u0628\u0627 \u0628\u0647\u0631\u0647 \u0628\u0627\u0644\u0627.<\/li>\n\n\n\n<li><strong>\u06af\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0628\u0647\u062a\u0631:<\/strong><strong><br><\/strong><strong>\u06f1- <\/strong>\u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u062e\u0648\u062f\u062a.<br>\u06f2- \u0648\u0627\u0645 \u06a9\u0648\u0686\u06a9 \u0627\u0632 \u0645\u0648\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u06cc \u0645\u0639\u062a\u0628\u0631 \u06cc\u0627 \u062a\u0639\u0627\u0648\u0646\u06cc\u200c\u0647\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc.<br>\u06f3- \u0648\u0627\u0645 \u06a9\u0645\u200c\u0628\u0647\u0631\u0647 \u0628\u0631\u0627\u06cc \u062a\u0633\u0648\u06cc\u0647 \u0628\u062f\u0647\u06cc\u200c\u0647\u0627\u06cc \u06af\u0631\u0627\u0646\u060c \u0628\u0647 \u0634\u0631\u0637 \u0628\u0633\u062a\u0646 \u062d\u0633\u0627\u0628\u200c\u0647\u0627\u06cc \u0642\u062f\u06cc\u0645\u06cc.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0641\u0631\u0627\u062a\u0631-\u0627\u0632-\u067e\u0648\u0644-\u0633\u0627\u062e\u062a-\u0633\u0644\u0627\u0645\u062a-\u0645\u0627\u0644\u06cc-\u062f\u0631\u0648\u0646\u06cc\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%D8%A7%D8%AA%D8%B1_%D8%A7%D8%B2_%D9%BE%D9%88%D9%84%D8%9B_%D8%B3%D8%A7%D8%AE%D8%AA_%D8%B3%D9%84%D8%A7%D9%85%D8%AA_%D9%85%D8%A7%D9%84%DB%8C_%D8%AF%D8%B1%D9%88%D9%86%DB%8C\"><\/span>\u0641\u0631\u0627\u062a\u0631 \u0627\u0632 \u067e\u0648\u0644\u061b \u0633\u0627\u062e\u062a \u0633\u0644\u0627\u0645\u062a \u0645\u0627\u0644\u06cc \u062f\u0631\u0648\u0646\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-1024x576.jpeg.webp\" alt=\"\u0641\u0631\u0627\u062a\u0631 \u0627\u0632 \u067e\u0648\u0644\u061b \u0633\u0627\u062e\u062a \u0633\u0644\u0627\u0645\u062a \u0645\u0627\u0644\u06cc \u062f\u0631\u0648\u0646\u06cc\" class=\"wp-image-50947\" srcset=\"https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-1024x576.jpeg.webp 1024w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-300x169.jpeg.webp 300w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-768x432.jpeg.webp 768w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-600x338.jpeg.webp 600w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-390x220.jpeg.webp 390w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131-835x470.jpeg.webp 835w, https:\/\/nobitex.ir\/mag\/wp-content\/smush-webp\/2025\/10\/image-131.jpeg.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>\u06a9\u0645\u0628\u0648\u062f \u067e\u0648\u0644 \u0641\u0642\u0637 \u0645\u0634\u06a9\u0644 \u0639\u062f\u062f\u06cc \u0646\u06cc\u0633\u062a\u061b \u0645\u0633\u0626\u0644\u0647\u200c\u0627\u06cc \u0630\u0647\u0646\u06cc \u0648 \u0627\u062d\u0633\u0627\u0633\u06cc \u0627\u0633\u062a. \u0627\u0633\u062a\u0631\u0633 \u0645\u0627\u0644\u06cc\u060c \u06cc\u06a9\u06cc \u0627\u0632 \u0628\u0632\u0631\u06af\u200c\u062a\u0631\u06cc\u0646 \u0639\u0648\u0627\u0645\u0644 \u0627\u0636\u0637\u0631\u0627\u0628 \u0648 \u0641\u0631\u0633\u0648\u062f\u06af\u06cc \u0630\u0647\u0646\u06cc \u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0627\u0645\u0631\u0648\u0632 \u0628\u0647 \u0634\u0645\u0627\u0631 \u0645\u06cc\u200c\u0622\u06cc\u062f. \u067e\u0633 \u0628\u0627\u06cc\u062f \u0630\u0647\u0646 \u0648 \u0627\u062d\u0633\u0627\u0633\u0627\u062a \u0631\u0627 \u0647\u0645 \u062f\u0631 \u06a9\u0646\u0627\u0631 \u062d\u0633\u0627\u0628 \u0628\u0627\u0646\u06a9\u06cc \u062a\u0631\u0645\u06cc\u0645 \u06a9\u0631\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f1-\u062e\u0631\u062c-\u06a9\u0631\u062f\u0646-\u0628\u0631-\u0627\u0633\u0627\u0633-\u0645\u0639\u0646\u0627\"><span class=\"ez-toc-section\" id=\"%DB%B1-_%D8%AE%D8%B1%D8%AC_%DA%A9%D8%B1%D8%AF%D9%86_%D8%A8%D8%B1_%D8%A7%D8%B3%D8%A7%D8%B3_%D9%85%D8%B9%D9%86%D8%A7\"><\/span>\u06f1- \u062e\u0631\u062c \u06a9\u0631\u062f\u0646 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u0639\u0646\u0627<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u0648\u0642\u062a\u06cc \u0628\u062f\u0627\u0646\u06cc \u0686\u0631\u0627 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u060c \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc\u200c\u0627\u062a \u0647\u062f\u0641\u0645\u0646\u062f\u062a\u0631 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0647\u062f\u0641 \u0648\u0627\u0642\u0639\u06cc\u200c\u0627\u062a \u0686\u06cc\u0633\u062a\u061f<\/strong> \u0634\u0627\u06cc\u062f \u062f\u0646\u0628\u0627\u0644 \u0622\u0631\u0627\u0645\u0634\u060c \u0633\u0641\u0631\u060c \u062e\u0631\u06cc\u062f \u062e\u0627\u0646\u0647 \u06cc\u0627 \u0622\u0645\u0648\u0632\u0634 \u0628\u0627\u0634\u06cc. \u0647\u062f\u0641\u062a \u0631\u0627 \u0648\u0627\u0636\u062d \u0628\u0646\u0648\u06cc\u0633 \u0648 \u062c\u0627\u06cc\u06cc \u0628\u06af\u0630\u0627\u0631 \u06a9\u0647 \u0647\u0631 \u0631\u0648\u0632 \u0628\u0628\u06cc\u0646\u06cc. \u0627\u06cc\u0646 \u06cc\u0627\u062f\u0622\u0648\u0631\u06cc \u06a9\u0648\u0686\u06a9\u060c \u0627\u0646\u06af\u06cc\u0632\u0647\u200c \u0628\u0632\u0631\u06af\u06cc \u0627\u06cc\u062c\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/li>\n\n\n\n<li><strong>\u0627\u0631\u0632\u0634 \u062f\u0631 \u0628\u0631\u0627\u0628\u0631 \u0642\u06cc\u0645\u062a:<\/strong> \u0642\u0628\u0644 \u0627\u0632 \u0647\u0631 \u062e\u0631\u06cc\u062f \u0628\u0632\u0631\u06af\u060c \u062d\u0633\u0627\u0628 \u06a9\u0646 \u0686\u0646\u062f \u0628\u0627\u0631 \u0627\u0632 \u0622\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc. \u0645\u062b\u0644\u0627 \u06a9\u062a\u06cc \u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646\u06cc \u06a9\u0647 \u067e\u0646\u062c \u0633\u0627\u0644 \u062f\u0648\u0627\u0645 \u062f\u0627\u0631\u062f\u060c \u0627\u0632 \u06a9\u062a \u06f7\u06f0\u06f0 \u0647\u0632\u0627\u0631 \u062a\u0648\u0645\u0627\u0646\u06cc \u06a9\u0647 \u0647\u0631 \u0633\u0627\u0644 \u0628\u0627\u06cc\u062f \u0639\u0648\u0636 \u0634\u0648\u062f\u060c \u0628\u0647\u200c\u0635\u0631\u0641\u0647\u200c\u062a\u0631 \u0627\u0633\u062a.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u06f2-\u0627\u06cc\u062c\u0627\u062f-\u062f\u0631\u0622\u0645\u062f-\u0627\u0636\u0627\u0641\u0647-\u0627\u06af\u0631-\u0645\u0645\u06a9\u0646-\u0627\u0633\u062a\"><span class=\"ez-toc-section\" id=\"%DB%B2-_%D8%A7%DB%8C%D8%AC%D8%A7%D8%AF_%D8%AF%D8%B1%D8%A2%D9%85%D8%AF_%D8%A7%D8%B6%D8%A7%D9%81%D9%87_%D8%A7%DA%AF%D8%B1_%D9%85%D9%85%DA%A9%D9%86_%D8%A7%D8%B3%D8%AA\"><\/span>\u06f2- \u0627\u06cc\u062c\u0627\u062f \u062f\u0631\u0622\u0645\u062f \u0627\u0636\u0627\u0641\u0647 (\u0627\u06af\u0631 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a)<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>\u0627\u0641\u0632\u0627\u06cc\u0634 \u062d\u062a\u06cc \u0627\u0646\u062f\u06a9 \u062f\u0631\u0622\u0645\u062f \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0648\u062f\u062c\u0647\u200c\u0627\u062a \u0631\u0627 \u0627\u0632 \u062d\u0627\u0644\u062a \u0641\u0634\u0627\u0631 \u062e\u0627\u0631\u062c \u06a9\u0646\u062f.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0628\u0631\u0631\u0633\u06cc \u06cc\u0627\u0631\u0627\u0646\u0647\u200c\u0647\u0627 \u0648 \u06a9\u0645\u06a9\u200c\u0647\u0627:<\/strong> \u0627\u06af\u0631 \u0648\u0627\u062c\u062f \u0634\u0631\u0627\u06cc\u0637\u06cc\u060c \u0627\u0632 \u0637\u0631\u062d\u200c\u0647\u0627\u06cc \u062d\u0645\u0627\u06cc\u062a\u06cc \u0645\u062b\u0644 \u062a\u062e\u0641\u06cc\u0641 \u0627\u0646\u0631\u0698\u06cc\u060c \u0628\u0646 \u062e\u0631\u06cc\u062f \u06cc\u0627 \u06a9\u0645\u06a9\u200c\u0647\u0632\u06cc\u0646\u0647 \u0645\u0633\u06a9\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646. \u0627\u06cc\u0646 \u062d\u0642 \u062a\u0648\u0633\u062a.<\/li>\n\n\n\n<li><strong>\u06a9\u0627\u0631 \u062c\u0627\u0646\u0628\u06cc:<\/strong> \u0645\u0647\u0627\u0631\u062a\u062a \u0631\u0627 \u0628\u0634\u0646\u0627\u0633. \u0646\u0648\u0634\u062a\u0646\u060c \u0637\u0631\u0627\u062d\u06cc\u060c \u0622\u0645\u0648\u0632\u0634\u060c \u062a\u0631\u062c\u0645\u0647\u060c \u0628\u0631\u0627\u06cc \u062a\u0648 \u062f\u0631\u0622\u0645\u062f \u06a9\u0648\u0686\u06a9 \u0627\u0645\u0627 \u067e\u0627\u06cc\u062f\u0627\u0631\u06cc \u0645\u06cc\u200c\u0633\u0627\u0632\u062f. \u062a\u0645\u0627\u0645 \u0627\u06cc\u0646 \u067e\u0648\u0644 \u0631\u0627 \u0645\u0633\u062a\u0642\u06cc\u0645 \u0628\u0647 \u0635\u0646\u062f\u0648\u0642 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0645\u0646\u062a\u0642\u0644 \u06a9\u0646.<\/li>\n\n\n\n<li><strong>\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0627\u0641\u0632\u0627\u06cc\u0634 \u062d\u0642\u0648\u0642:<\/strong> \u062f\u0631\u0628\u0627\u0631\u0647 \u0645\u06cc\u0627\u0646\u06af\u06cc\u0646 \u062d\u0642\u0648\u0642 \u0634\u063a\u0644\u062a \u062a\u062d\u0642\u06cc\u0642 \u06a9\u0646 \u0648 \u0628\u0627 \u0627\u0633\u062a\u062f\u0644\u0627\u0644 \u0645\u0646\u0637\u0642\u06cc \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0627\u0641\u0632\u0627\u06cc\u0634 \u0628\u062f\u0647. \u0627\u0641\u0632\u0627\u06cc\u0634 \u0627\u0646\u062f\u06a9 \u062f\u0631 \u0633\u0627\u0639\u062a \u06a9\u0627\u0631\u06cc\u060c \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u0639\u062f\u062f \u0628\u0632\u0631\u06af\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u062c\u0645\u0639-\u0628\u0646\u062f\u06cc\"><span class=\"ez-toc-section\" id=\"%D8%AC%D9%85%D8%B9%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C\"><\/span>\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u06af\u0627\u0647\u06cc \u062e\u0631\u062c\u200c\u0647\u0627 \u0627\u0632 \u06a9\u0646\u062a\u0631\u0644 \u062e\u0627\u0631\u062c \u0645\u06cc\u200c\u0634\u0648\u0646\u062f\u060c \u0627\u0646\u06af\u06cc\u0632\u0647 \u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f \u06cc\u0627 \u062d\u062a\u06cc \u0627\u062d\u0633\u0627\u0633 \u0634\u06a9\u0633\u062a \u0633\u0631\u0627\u063a\u062a \u0645\u06cc\u200c\u0622\u06cc\u062f. \u0627\u0645\u0627 \u0631\u0627\u0632 \u0627\u0635\u0644\u06cc \u062f\u0627\u0634\u062a\u0646 \u0628\u0631\u0646\u0627\u0645\u0647 \u0645\u0627\u0644\u06cc\u060c \u062f\u0631 \u062a\u062f\u0627\u0648\u0645 \u0648 \u0645\u0647\u0631\u0628\u0627\u0646\u06cc \u0628\u0627 \u062e\u0648\u062f \u0627\u0633\u062a. \u0627\u062d\u0633\u0627\u0633 \u00ab\u0647\u0645\u06cc\u0634\u0647 \u06a9\u0645 \u0622\u0648\u0631\u062f\u0646\u00bb \u062a\u062c\u0631\u0628\u0647\u200c\u0627\u06cc \u0645\u0634\u062a\u0631\u06a9 \u0627\u0633\u062a\u060c \u0627\u0645\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u0646 \u0631\u0627 \u0634\u06a9\u0633\u062a \u062f\u0627\u062f. \u0628\u0627 \u0634\u0646\u0627\u062e\u062a \u0646\u06cc\u0631\u0648\u0647\u0627\u06cc \u0631\u0648\u0627\u0646\u06cc \u067e\u0634\u062a \u062e\u0631\u062c\u200c\u0647\u0627\u06cc\u062a \u0648 \u0627\u0646\u062c\u0627\u0645 \u06af\u0627\u0645\u200c\u0647\u0627\u06cc \u06a9\u0648\u0686\u06a9 \u0627\u0645\u0627 \u067e\u06cc\u0648\u0633\u062a\u0647\u060c \u0645\u062b\u0644 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u062e\u0648\u062f\u06a9\u0627\u0631\u060c \u06a9\u0646\u062a\u0631\u0644 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u067e\u0646\u0647\u0627\u0646 \u0648 \u0633\u0627\u062e\u062a \u0633\u067e\u0631 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc\u060c \u0622\u0631\u0627\u0645\u200c\u0622\u0631\u0627\u0645 \u0627\u0632 \u0686\u0631\u062e\u0647\u200c\u06cc \u06a9\u0645\u0628\u0648\u062f \u0628\u0647 \u062d\u0633 \u06a9\u0646\u062a\u0631\u0644 \u0648 \u0622\u0631\u0627\u0645\u0634 \u0645\u06cc\u200c\u0631\u0633\u06cc. \u0647\u062f\u0641\u060c \u0641\u0642\u0637 \u062f\u0648\u0627\u0645 \u0622\u0648\u0631\u062f\u0646 \u062a\u0627 \u062d\u0642\u0648\u0642 \u0628\u0639\u062f\u06cc \u0646\u06cc\u0633\u062a\u061b \u0647\u062f\u0641 \u0633\u0627\u062e\u062a\u0646 \u0622\u0631\u0627\u0645\u0634 \u0630\u0647\u0646\u06cc \u0645\u06cc\u0627\u0646 \u062f\u0648 \u062d\u0642\u0648\u0642 \u0627\u0633\u062a. \u0622\u0647\u0633\u062a\u0647 \u0634\u0631\u0648\u0639 \u06a9\u0646\u060c \u0627\u062f\u0627\u0645\u0647 \u0628\u062f\u0647 \u0648 \u06cc\u0627\u062f\u062a \u0628\u0627\u0634\u062f: \u0647\u0631 \u062a\u0648\u0645\u0627\u0646 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632\u060c \u0622\u062c\u0631\u06cc \u0627\u0633\u062a \u062f\u0631 \u0628\u0646\u0627\u06cc \u0622\u0632\u0627\u062f\u06cc \u0645\u0627\u0644\u06cc\u200c\u0627\u062a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0633\u0648\u0627\u0644\u0627\u062a-\u0645\u062a\u062f\u0627\u0648\u0644\"><span class=\"ez-toc-section\" id=\"%D8%B3%D9%88%D8%A7%D9%84%D8%A7%D8%AA_%D9%85%D8%AA%D8%AF%D8%A7%D9%88%D9%84\"><\/span>\u0633\u0648\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761571438318\"><strong class=\"schema-faq-question\"><strong>\u0686\u0631\u0627 \u0647\u0645\u06cc\u0634\u0647 \u0622\u062e\u0631 \u0645\u0627\u0647 \u067e\u0648\u0644\u0645 \u062a\u0645\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong><\/strong> <p class=\"schema-faq-answer\">\u0628\u0647 \u062f\u0644\u06cc\u0644 \u062a\u0631\u06a9\u06cc\u0628\u06cc \u0627\u0632 \u0634\u0627\u062f\u06cc \u0628\u0639\u062f \u0627\u0632 \u062f\u0631\u06cc\u0627\u0641\u062a \u062d\u0642\u0648\u0642\u060c \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u0627\u062d\u0633\u0627\u0633\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0636\u0639\u06cc\u0641 \u0628\u0648\u062f\u062c\u0647 \u062f\u0631 \u0637\u0648\u0644 \u0645\u0627\u0647.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761571445609\"><strong class=\"schema-faq-question\"><strong>\u0686\u06af\u0648\u0646\u0647 \u0628\u0627 \u062f\u0631\u0622\u0645\u062f \u06a9\u0645 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u06a9\u0646\u0645\u061f<\/strong><\/strong> <p class=\"schema-faq-answer\">\u0628\u0627 \u0628\u0648\u062f\u062c\u0647\u200c\u0628\u0646\u062f\u06cc \u062f\u0642\u06cc\u0642\u060c \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u0648 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u062e\u0648\u062f\u06a9\u0627\u0631 \u062d\u062a\u06cc \u0628\u0627 \u0645\u0628\u0627\u0644\u063a \u06a9\u0648\u0686\u06a9.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761571453000\"><strong class=\"schema-faq-question\"><strong>\u0686\u0647 \u0631\u0648\u0634\u200c\u0647\u0627\u06cc\u06cc \u0628\u0631\u0627\u06cc \u06a9\u0646\u062a\u0631\u0644 \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0636\u0631\u0648\u0631\u06cc \u0645\u0648\u062b\u0631 \u0627\u0633\u062a\u061f<\/strong><\/strong> <p class=\"schema-faq-answer\">\u0642\u0627\u0646\u0648\u0646 \u06f2\u06f4 \u0633\u0627\u0639\u062a \u0628\u0631\u0627\u06cc \u062e\u0631\u06cc\u062f\u060c \u0633\u06cc\u0633\u062a\u0645 \u067e\u0627\u06a9\u062a \u0646\u0642\u062f\u06cc \u0648 \u0628\u0631\u0631\u0633\u06cc \u0627\u0634\u062a\u0631\u0627\u06a9\u200c\u0647\u0627\u06cc \u067e\u0646\u0647\u0627\u0646 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u062a\u0627 \u062e\u0631\u062c\u200c\u0647\u0627\u06cc \u0627\u0636\u0627\u0641\u06cc \u06a9\u0627\u0647\u0634 \u06cc\u0627\u0628\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761571459720\"><strong class=\"schema-faq-question\"><strong>\u0686\u0637\u0648\u0631 \u0635\u0646\u062f\u0648\u0642 \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u0628\u0633\u0627\u0632\u0645 \u0648 \u0627\u0632 \u0628\u062f\u0647\u06cc \u0641\u0631\u0627\u0631 \u06a9\u0646\u0645\u061f<\/strong><\/strong> <p class=\"schema-faq-answer\">\u0647\u0631 \u0645\u0627\u0647 \u0645\u0628\u0644\u063a\u06cc \u062c\u062f\u0627\u06af\u0627\u0646\u0647 \u06a9\u0646\u0627\u0631 \u0628\u06af\u0630\u0627\u0631\u060c \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc\u200c\u0646\u0634\u062f\u0647 \u0631\u0627 \u0627\u0632 \u0627\u06cc\u0646 \u0635\u0646\u062f\u0648\u0642 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646 \u0648 \u0628\u0647 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u067e\u0631 \u0628\u0647\u0631\u0647 \u0646\u0632\u062f\u06cc\u06a9 \u0646\u0634\u0648.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761571467257\"><strong class=\"schema-faq-question\"><strong><strong>\u0686\u06af\u0648\u0646\u0647 \u0627\u0646\u06af\u06cc\u0632\u0647 \u0648 \u06a9\u0646\u062a\u0631\u0644 \u0645\u0627\u0644\u06cc \u062e\u0648\u062f \u0631\u0627 \u062d\u0641\u0638 \u06a9\u0646\u0645\u061f<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">\u0627\u0647\u062f\u0627\u0641 \u0645\u0627\u0644\u06cc \u0645\u0634\u062e\u0635 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u060c \u062e\u0631\u062c\u200c\u0647\u0627\u06cc\u062a \u0631\u0627 \u0628\u0627 \u0627\u0631\u0632\u0634 \u0648 \u0646\u06cc\u0627\u0632 \u0648\u0627\u0642\u0639\u06cc \u0628\u0633\u0646\u062c \u0648 \u0647\u0631 \u0642\u062f\u0645 \u06a9\u0648\u0686\u06a9 \u067e\u0633\u200c\u0627\u0646\u062f\u0627\u0632 \u0631\u0627 \u062c\u0634\u0646 \u0628\u06af\u06cc\u0631.<\/p> <\/div> <\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0622\u0646 \u0627\u0636\u0637\u0631\u0627\u0628 \u0622\u0634\u0646\u0627 \u062f\u0631 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