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href=\"https:\/\/smartvest.ir\/blog\/%d8%a7%d9%81%d8%b2%d8%a7%db%8c%d8%b4-%d9%82%db%8c%d9%85%d8%aa-%d9%85%d9%84%da%a9-%d8%a8%d8%a7-%d8%b3%d9%86%d8%af-%d8%b1%d8%b3%d9%85%db%8c-%d8%b1%d8%a7%d9%87%d9%86%d9%85%d8%a7%db%8c-1404\/#%D8%A7%DA%AF%D8%B1-%D8%A7%D8%AD%D8%B3%D8%A7%D8%B3-%D9%85%DB%8C-%DA%A9%D9%86%DB%8C%D8%AF-%D9%BE%D8%B1%D9%88%D9%86%D8%AF%D9%87-%D8%AA%D8%A7%D9%86-%D9%BE%DB%8C%DA%86%DB%8C%D8%AF%D9%87-%D8%A7%D8%B3%D8%AA%D8%8C-%D8%B1%D8%A7%D9%87%D9%86%D9%85%D8%A7%DB%8C-%D9%88%DA%A9%DB%8C%D9%84-%D8%A8%D8%B1%D8%A7%DB%8C-%D8%B3%D9%86%D8%AF-%D8%AA%DA%A9-%D8%A8%D8%B1%DA%AF-%DA%86%D9%87-%D8%B2%D9%85%D8%A7%D9%86%DB%8C-%D9%84%D8%A7%D8%B2%D9%85-%D8%A7%D8%B3%D8%AA-%D9%88-%DA%86%D9%87-%D8%B2%D9%85%D8%A7%D9%86%DB%8C-%D9%86%D9%87%D8%9F-%D9%85%DB%8C-%D8%AA%D9%88%D8%A7%D9%86%D8%AF-%D8%A8%D9%87-%D8%AA%D8%B5%D9%85%DB%8C%D9%85-%DA%AF%DB%8C%D8%B1%DB%8C-%D8%B4%D9%85%D8%A7-%DA%A9%D9%85%DA%A9-%DA%A9%D9%86%D8%AF\">\u0627\u06af\u0631 \u0627\u062d\u0633\u0627\u0633 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f 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href=\"https:\/\/smartvest.ir\/blog\/%d8%a7%d9%81%d8%b2%d8%a7%db%8c%d8%b4-%d9%82%db%8c%d9%85%d8%aa-%d9%85%d9%84%da%a9-%d8%a8%d8%a7-%d8%b3%d9%86%d8%af-%d8%b1%d8%b3%d9%85%db%8c-%d8%b1%d8%a7%d9%87%d9%86%d9%85%d8%a7%db%8c-1404\/#%DA%86%D8%B1%D8%A7-%D9%87%D9%85%DB%8C%D9%86-%D8%A7%D9%84%D8%A7%D9%86-%D9%86%D8%B5%D8%A8%D8%B4-%DA%A9%D9%86%DB%8C%D9%85%D8%9F\">\u0686\u0631\u0627 \u0647\u0645\u06cc\u0646 \u0627\u0644\u0627\u0646 \u0646\u0635\u0628\u0634 \u06a9\u0646\u06cc\u0645\u061f<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/smartvest.ir\/blog\/%d8%a7%d9%81%d8%b2%d8%a7%db%8c%d8%b4-%d9%82%db%8c%d9%85%d8%aa-%d9%85%d9%84%da%a9-%d8%a8%d8%a7-%d8%b3%d9%86%d8%af-%d8%b1%d8%b3%d9%85%db%8c-%d8%b1%d8%a7%d9%87%d9%86%d9%85%d8%a7%db%8c-1404\/#%F0%9F%93%A5-%D8%AF%D8%A7%D9%86%D9%84%D9%88%D8%AF-pdf-%D8%B3%D9%86%D8%AF-%D8%AA%DA%A9-%D8%A8%D8%B1%DA%AF-%D8%A8%D8%B1%D8%A7%DB%8C-%D9%85%D9%84%DA%A9-%D9%82%D9%88%D9%84%D9%86%D8%A7%D9%85%D9%87-%D8%A7%DB%8C\">\u062f\u0627\u0646\u0644\u0648\u062f PDF \u0622\u06cc\u0627 \u0648\u0627\u0642\u0639\u0627\u064b \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0648\u06a9\u06cc\u0644 \u0628\u0631\u0627\u06cc \u062b\u0628\u062a \u0633\u0646\u062f \u062a\u06a9\u200c \u0628\u0631\u06af \u062f\u0627\u0631\u06cc\u062f\u061f<\/a><\/p>\n\n\n\n<p class=\"has-small-font-size\"><a href=\"https:\/\/smartvest.ir\/blog\/%d8%b3%d9%86%d8%af-%d9%85%d9%84%da%a9-%d9%82%d9%88%d9%84%d9%86%d8%a7%d9%85%d9%87-%d8%a7%db%8c\/\" data-type=\"page\" data-id=\"2609\">\u0633\u0646\u062f \u0645\u0644\u06a9 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u0627\u06cc\u0627\u06af\u0631 \u0633\u0648\u0627\u0644\u06cc \u062f\u0627\u0631\u06cc\u062f \u06cc\u0627 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0645\u0634\u0627\u0648\u0631\u0647 \u062d\u0642\u0648\u0642\u06cc \u062f\u0627\u0631\u06cc\u062f\u060c \u062f\u0631\u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u0627\u0633\u0645\u0627\u0631\u062a \u0648\u0633\u062a&nbsp;\u0645\u0627 \u067e\u0627\u0633\u062e\u06af\u0648\u06cc \u0634\u0645\u0627 \u0647\u0633\u062a\u06cc\u0645.<\/a><\/p>\n\n\n\n<p class=\"has-medium-font-size\">\u0628\u0631\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0633\u0646\u062f \u0631\u0633\u0645\u06cc\u060c \u0641\u0631\u0645 \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0631\u0627 \u0627\u0632 \u0637\u0631\u06cc\u0642&nbsp;<a href=\"https:\/\/smartvest.ir\/deed?utm_source=blog&amp;utm_medium=content&amp;utm_campaign=property_deed_registration\">\u0627\u06cc\u0646 \u0635\u0641\u062d\u0647<\/a>&nbsp;\u062a\u06a9\u0645\u06cc\u0644 \u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<p><strong><em>&nbsp;\u0632\u0645\u0627\u0646 \u0645\u0648\u0631\u062f \u0646\u06cc\u0627\u0632 \u0628\u0631\u0627\u06cc \u0645\u0637\u0627\u0644\u0639\u0647: 11 \u062f\u0642\u06cc\u0642\u0647<\/em><\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-medium-font-size\"><img decoding=\"async\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f4d6.svg\" alt=\"\ud83d\udcd6\">&nbsp;<strong>\u062d\u062c\u0645 \u0645\u0642\u0627\u0644\u0647: 2,136 \u06a9\u0644\u0645\u0647<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"has-small-font-size\">\u0627\u0645\u0627 \u062f\u0631 \u0639\u0645\u0644\u060c&nbsp;\u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc&nbsp;\u06cc\u06a9\u06cc \u0627\u0632 \u0633\u0627\u062f\u0647\u200c\u062a\u0631\u06cc\u0646 \u0648 \u0648\u0627\u0642\u0639\u06cc\u200c\u062a\u0631\u06cc\u0646 \u0631\u0627\u0647\u200c\u0647\u0627\u06cc\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0639\u062f\u062f \u0645\u0644\u06a9 \u0634\u0645\u0627 \u0631\u0627 \u0648\u0627\u0631\u062f \u06cc\u06a9 \u0628\u0627\u0632\u0647 \u0628\u0627\u0644\u0627\u062a\u0631 \u06a9\u0646\u062f.<\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647 \u0628\u0631\u0627\u06cc&nbsp;\u0645\u0627\u0644\u06a9\u0627\u0646 \u0645\u0644\u06a9 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u200c\u0627\u06cc \u062f\u0631 \u0634\u0647\u0631\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0628\u0647\u200c\u0648\u06cc\u0698\u0647 \u062a\u0647\u0631\u0627\u0646\u060c \u0627\u0635\u0641\u0647\u0627\u0646 \u0648 \u0634\u06cc\u0631\u0627\u0632&nbsp;\u0646\u0648\u0634\u062a\u0647 \u0634\u062f\u0647 \u0627\u0633\u062a\u061b \u06cc\u0639\u0646\u06cc \u0647\u0645\u0627\u0646 \u06a9\u0633\u0627\u0646\u06cc \u06a9\u0647:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u0645\u0644\u06a9 \u062e\u0648\u062f \u0631\u0627 \u0628\u0627 \u0628\u0646\u0686\u0627\u0642 \u06cc\u0627 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u062e\u0631\u06cc\u062f\u0647\u200c\u0627\u0646\u062f\u060c<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u0642\u0635\u062f \u0641\u0631\u0648\u0634 \u062f\u0631 1 \u062a\u0627 3 \u0633\u0627\u0644 \u0622\u06cc\u0646\u062f\u0647 \u0631\u0627 \u062f\u0627\u0631\u0646\u062f\u060c<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u06cc\u0627 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u0646\u062f \u0627\u0632 \u0645\u0644\u06a9\u200c\u0634\u0627\u0646 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u0648\u062b\u06cc\u0642\u0647 \u0628\u0631\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0648\u0627\u0645 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u0646\u062f.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\">\u062f\u0631 \u0633\u0627\u0644 1404\u060c&nbsp;\u0645\u06cc\u0627\u0646\u06af\u06cc\u0646 \u0627\u062e\u062a\u0644\u0627\u0641 \u0642\u06cc\u0645\u062a \u0628\u06cc\u0646 \u0645\u0644\u06a9\u200c\u0647\u0627\u06cc \u0645\u0634\u0627\u0628\u0647 \u0628\u0627 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af \u0648 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u200c\u0627\u06cc \u062f\u0631 \u0645\u0646\u0627\u0637\u0642 2 \u0648 6 \u062a\u0647\u0631\u0627\u0646\u060c \u0628\u06cc\u0646 12 \u062a\u0627 18 \u062f\u0631\u0635\u062f&nbsp;\u06af\u0632\u0627\u0631\u0634 \u0634\u062f\u0647 \u0627\u0633\u062a .<\/p>\n\n\n\n<p class=\"has-small-font-size\">(\u0645\u0646\u0628\u0639: \u06af\u0632\u0627\u0631\u0634 \u0628\u0627\u0632\u0627\u0631 \u0645\u0633\u06a9\u0646 \u0645\u0631\u06a9\u0632 \u062a\u062d\u0642\u06cc\u0642\u0627\u062a \u0633\u0627\u0632\u0645\u0627\u0646 \u062b\u0628\u062a \u0627\u0633\u0646\u0627\u062f \u0648 \u0627\u0645\u0644\u0627\u06a9 \u06a9\u0634\u0648\u0631\u060c \u0645\u0647\u0631 1404).<\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0627\u06cc\u0646 \u06cc\u0639\u0646\u06cc \u0645\u0644\u06a9\u06cc 2 \u0645\u06cc\u0644\u06cc\u0627\u0631\u062f\u06cc \u0628\u0627 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u060c \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u062d\u062f\u0648\u062f&nbsp;240 \u062a\u0627 360 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646&nbsp;\u06a9\u0645\u062a\u0631 \u0641\u0631\u0648\u062e\u062a\u0647 \u0634\u0648\u062f \u062a\u0646\u0647\u0627 \u0628\u0647\u200c\u062f\u0644\u06cc\u0644 \u0639\u062f\u0645 \u062f\u0627\u0634\u062a\u0646 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"571\" height=\"1024\" src=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-571x1024.webp\" alt=\"\" class=\"wp-image-2776\" srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-571x1024.webp 571w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-167x300.webp 167w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-768x1377.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-857x1536.webp 857w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f-1142x2048.webp 1142w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0631\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0648\u0627\u0642\u0639\u0627-\u0627\u062a\u0641\u0627\u0642-\u0645\u06cc-\u0627\u0641\u062a\u062f-\u061f.webp 1428w\" sizes=\"(max-width: 571px) 100vw, 571px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-medium-font-size\"><strong>\u0686\u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc 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class=\"has-small-font-size\">\u0648\u0642\u062a\u06cc \u0647\u062f\u0641 \u0634\u0645\u0627&nbsp;\u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc&nbsp;\u0627\u0633\u062a\u060c \u0639\u0645\u0644\u0627\u064b \u062f\u0627\u0631\u06cc\u062f \u0631\u06cc\u0633\u06a9 \u062e\u0631\u06cc\u062f\u0627\u0631 \u0631\u0627 \u06a9\u0645 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0648 \u0627\u06cc\u0646\u060c \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0645\u0644\u06a9 \u0647\u0645\u06cc\u0634\u0647 \u0628\u0627 \u0686\u0646\u062f \u062f\u0631\u0635\u062f \u0627\u062e\u062a\u0644\u0627\u0641 \u0642\u06cc\u0645\u062a \u062e\u0648\u062f\u0634 \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><em>\u0628\u0631\u0627\u06cc \u062f\u0631\u06a9 \u0628\u0647\u062a\u0631 \u0627\u062b\u0631 \u0646\u0648\u0639 \u0633\u0646\u062f \u0631\u0648\u06cc \u0627\u0631\u0632\u0634 \u0645\u0644\u06a9\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0645\u0642\u0627\u0644\u0647&nbsp;<a href=\"https:\/\/smartvest.ir\/blog\/%d8%aa%d9%81%d8%a7%d9%88%d8%aa-%d8%b3%d9%86%d8%af-%d8%aa%da%a9-%d8%a8%d8%b1%da%af-%d9%88-%d8%b3%d9%86%d8%af-%d9%85%d8%b4%d8%a7%d8%b9-%d8%a8%d8%b1%d8%b1%d8%b3%db%8c-%d9%85%d8%b2%d8%a7%db%8c%d8%a7%d8%8c\/\">&nbsp;\u062a\u0641\u0627\u0648\u062a \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af \u0648 \u0633\u0646\u062f \u0645\u0634\u0627\u0639 | \u0628\u0631\u0631\u0633\u06cc \u0645\u0632\u0627\u06cc\u0627\u060c \u0645\u0639\u0627\u06cc\u0628 \u0648 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627 \u062f\u0631 \u06f1\u06f4\u06f0\u06f4<\/a>&nbsp;&nbsp;\u0631\u0627 \u0647\u0645 \u0628\u0628\u06cc\u0646\u06cc\u062f.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\"><strong><em>\u00ab\u0647\u0631\u0686\u0647 \u062e\u06cc\u0627\u0644\u062a\u0627\u0646 \u0627\u0632 \u0628\u0627\u0628\u062a \u0645\u0627\u0644\u06a9\u06cc\u062a \u0631\u0627\u062d\u062a\u200c\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u062e\u06cc\u0627\u0644 \u062e\u0631\u06cc\u062f\u0627\u0631 \u0628\u0639\u062f\u06cc \u0647\u0645 \u0631\u0627\u062d\u062a\u200c\u062a\u0631 \u0627\u0633\u062a\u061b \u0648 \u0627\u06cc\u0646 \u0622\u0631\u0627\u0645\u0634 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631\u060c \u0647\u0645\u06cc\u0634\u0647 \u0628\u0627 \u0686\u0646\u062f \u062f\u0631\u0635\u062f \u067e\u0648\u0644 \u0628\u06cc\u0634\u062a\u0631 \u062a\u0631\u062c\u0645\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.\u00bb<\/em><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\"><strong><em>\u00ab\u0633\u0646\u062f \u0631\u0633\u0645\u06cc\u060c \u0645\u0631\u0632 \u0628\u06cc\u0646 \u06cc\u06a9 \u0645\u0639\u0627\u0645\u0644\u0647 \u067e\u0631\u0631\u06cc\u0633\u06a9 \u0648 \u06cc\u06a9 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0642\u0627\u0628\u0644 \u0627\u0639\u062a\u0645\u0627\u062f \u0631\u0627 \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0627\u06cc\u0646 \u0645\u0631\u0632 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631\u060c \u062e\u0648\u062f\u0634 \u0631\u0627 \u062f\u0631 \u0686\u0646\u062f \u062f\u0631\u0635\u062f \u0627\u062e\u062a\u0644\u0627\u0641 \u0642\u06cc\u0645\u062a \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f.\u00bb<\/em><\/strong><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"571\" height=\"1024\" src=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-571x1024.webp\" alt=\"\" class=\"wp-image-2777\" srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-571x1024.webp 571w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-167x300.webp 167w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-768x1377.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-857x1536.webp 857w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af-1142x2048.webp 1142w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u062a\u06a9-\u0628\u0631\u06af.webp 1428w\" sizes=\"(max-width: 571px) 100vw, 571px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-medium-font-size\"><strong>\u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u061b \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0627\u0628\u0632\u0627\u0631 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u060c \u0646\u0633\u062e\u0647 \u0628\u0647\u200c\u0631\u0648\u0632 \u0648 \u0645\u06a9\u0627\u0646\u06cc\u0632\u0647 \u0633\u0646\u062f \u0645\u0627\u0644\u06a9\u06cc\u062a \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u0645\u0644\u06a9\u060c \u0645\u0627\u0644\u06a9 \u0648 \u062d\u062f\u0648\u062f \u0631\u0627 \u062f\u0631 \u06cc\u06a9 \u0628\u0631\u06af \u0645\u062a\u0645\u0631\u06a9\u0632 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0647\u0645\u06cc\u0646 \u0633\u0627\u062e\u062a\u0627\u0631 \u062c\u062f\u06cc\u062f \u0627\u0633\u062a \u06a9\u0647 \u00ab\u0627\u0645\u0646\u06cc\u062a\u00bb \u0648 \u00ab\u0634\u0641\u0627\u0641\u06cc\u062a\u00bb \u0631\u0627 \u0628\u0627\u0644\u0627 \u0645\u06cc\u200c\u0628\u0631\u062f \u0648 \u0634\u0631\u0627\u06cc\u0637&nbsp;\u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc&nbsp;\u0631\u0627 \u0641\u0631\u0627\u0647\u0645 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0628\u0631\u0627\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u060c \u0647\u0645\u0647 \u0627\u06cc\u0646 \u0645\u0648\u0627\u0631\u062f \u0645\u0633\u0627\u0648\u06cc \u0627\u0633\u062a \u0628\u0627 \u06cc\u06a9 \u062d\u0633 \u00ab\u0627\u0645\u0646\u06cc\u062a \u0628\u06cc\u0634\u062a\u0631\u00bb \u0648 \u0627\u06cc\u0646 \u062d\u0633 \u0627\u0645\u0646\u06cc\u062a\u060c \u0645\u0633\u062a\u0642\u06cc\u0645 \u0631\u0648\u06cc \u062a\u0635\u0645\u06cc\u0645 \u0627\u0648 \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0639\u062f\u062f \u0628\u0627\u0644\u0627\u062a\u0631 \u0627\u062b\u0631 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u062f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u062f\u0631 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u060c \u0634\u0646\u0627\u0633\u0647 \u06cc\u06a9\u062a\u0627\u06cc \u06f1\u06f8 \u0631\u0642\u0645\u06cc\u060c \u0645\u062a\u0631\u0627\u0698\u060c \u0622\u062f\u0631\u0633 \u0648 \u06a9\u0627\u0631\u0628\u0631\u06cc \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062a\u0627\u06cc\u067e\u06cc \u062b\u0628\u062a \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u062c\u0639\u0644 \u0622\u0646 \u0633\u062e\u062a\u200c\u062a\u0631 \u0627\u0632 \u0633\u0646\u062f\u0647\u0627\u06cc \u0642\u062f\u06cc\u0645\u06cc \u0627\u0633\u062a.\u200b<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u0627\u0637\u0644\u0627\u0639\u0627\u062a \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af \u062f\u0631 \u0633\u0627\u0645\u0627\u0646\u0647\u200c\u0647\u0627\u06cc 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\u0627\u06cc\u0646 \u0627\u0637\u0645\u06cc\u0646\u0627\u0646\u060c \u0639\u062f\u062f \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u062f\u0647\u062f.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"1024\" src=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-640x1024.webp\" alt=\"\" class=\"wp-image-2775\" srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-640x1024.webp 640w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-187x300.webp 187w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-768x1230.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-959x1536.webp 959w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f-1279x2048.webp 1279w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u0632-\u0642\u0648\u0644\u0646\u0627\u0645\u0647-\u062a\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0627\u0632-\u06a9\u062c\u0627-\u0627\u0631\u0632\u0634-\u0627\u0641\u0632\u0648\u062f\u0647-\u0634\u0631\u0648\u0639-\u0645\u06cc-\u0634\u0648\u062f-\u061f.webp 1599w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>\u0627\u0632 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u062a\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc\u061b \u0627\u0632 \u06a9\u062c\u0627 \u0627\u0631\u0632\u0634 \u0627\u0641\u0632\u0648\u062f\u0647 \u0634\u0631\u0648\u0639 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u0627\u0645\u0644\u0627\u06a9 \u0634\u0647\u0631\u06cc \u0628\u0627 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u060c \u0628\u0646\u0686\u0627\u0642 \u0642\u062f\u06cc\u0645\u06cc \u06cc\u0627 \u0645\u0628\u0627\u06cc\u0639\u0647\u200c\u0646\u0627\u0645\u0647 \u0639\u0627\u062f\u06cc \u062e\u0631\u06cc\u062f \u0648 \u0641\u0631\u0648\u0634 \u0634\u062f\u0647\u200c\u0627\u0646\u062f\u060c \u0627\u0645\u0627 \u0647\u0646\u0648\u0632 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0628\u0647 \u0646\u0627\u0645 \u0645\u0627\u0644\u06a9 \u0641\u0639\u0644\u06cc \u0646\u062f\u0627\u0631\u0646\u062f.<\/p>\n\n\n\n<p class=\"has-small-font-size\">\u062f\u0631 \u0627\u06cc\u0646 \u0634\u0631\u0627\u06cc\u0637\u060c \u062a\u0628\u062f\u06cc\u0644 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u0628\u0647 \u0633\u0646\u062f\u060c \u0647\u0645\u0627\u0646 \u062c\u0627\u06cc\u06cc \u0627\u0633\u062a \u06a9\u0647 \u067e\u0631\u0648\u0698\u0647&nbsp;\u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc&nbsp;\u0634\u0631\u0648\u0639 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\"><em>\u00ab\u0628\u0631\u0627\u06cc \u062c\u0632\u0626\u06cc\u0627\u062a \u06af\u0627\u0645\u200c\u0628\u0647\u200c\u06af\u0627\u0645\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0631\u0627\u0647\u0646\u0645\u0627\u06cc \u06a9\u0627\u0645\u0644&nbsp;<a href=\"https:\/\/smartvest.ir\/blog\/%da%86%da%af%d9%88%d9%86%d9%87-%d8%b3%d9%86%d8%af-%d8%aa%da%a9%d8%a8%d8%b1%da%af-%d8%a8%d8%b1%d8%a7%db%8c-%d9%85%d9%84%da%a9-%d9%82%d9%88%d9%84%d9%86%d8%a7%d9%85%d9%87%d8%a7%db%8c\/\">\u0686\u06af\u0648\u0646\u0647 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af \u0628\u0631\u0627\u06cc \u0645\u0644\u06a9 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u200c\u0627\u06cc \u0628\u06af\u06cc\u0631\u06cc\u0645\u061f<\/a>&nbsp;\u0631\u0627 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f.\u00bb<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u0637\u0628\u0642 \u0642\u0648\u0627\u0646\u06cc\u0646 \u062b\u0628\u062a\u06cc\u060c \u0645\u0627\u0644\u06a9 \u0631\u0633\u0645\u06cc \u06a9\u0633\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0646\u0627\u0645\u0634 \u062f\u0631 \u062f\u0641\u0627\u062a\u0631 \u0627\u0645\u0644\u0627\u06a9 \u062b\u0628\u062a \u0634\u062f\u0647 \u0648 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0628\u0647 \u0646\u0627\u0645 \u0627\u0648 \u0635\u0627\u062f\u0631 \u0634\u062f\u0647\u060c \u0646\u0647 \u0635\u0631\u0641\u0627 \u06a9\u0633\u06cc \u06a9\u0647 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u062f\u0631 \u062f\u0633\u062a \u062f\u0627\u0631\u062f.\u200b<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u062f\u0631 \u0631\u0648\u0646\u062f \u062a\u0628\u062f\u06cc\u0644 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u0628\u0647 \u0633\u0646\u062f\u060c \u0645\u062f\u0627\u0631\u06a9\u06cc \u0645\u062b\u0644 \u0645\u0628\u0627\u06cc\u0639\u0647\u200c\u0646\u0627\u0645\u0647 \u0645\u0639\u062a\u0628\u0631\u060c \u0645\u062f\u0627\u0631\u06a9 \u0647\u0648\u06cc\u062a\u06cc\u060c \u067e\u0627\u06cc\u0627\u0646 \u06a9\u0627\u0631 \u0648 \u0645\u0641\u0627\u0635\u0627\u062d\u0633\u0627\u0628 \u0634\u0647\u0631\u062f\u0627\u0631\u06cc \u0644\u0627\u0632\u0645 \u0627\u0633\u062a \u0648 \u067e\u0633 \u0627\u0632 \u0627\u0633\u062a\u0639\u0644\u0627\u0645\u0627\u062a\u060c \u0627\u0645\u06a9\u0627\u0646 \u0635\u062f\u0648\u0631 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u062f.\u200b<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u067e\u0631\u0648\u0646\u062f\u0647\u200c\u0647\u0627\u06cc \u0642\u062f\u06cc\u0645\u06cc \u0645\u0634\u0645\u0648\u0644 \u0645\u0627\u062f\u0647 \u06f1\u06f4\u06f7 \u0648 \u06f1\u06f4\u06f8 \u0646\u06cc\u0632 \u062f\u0631 \u0635\u0648\u0631\u062a \u0646\u0628\u0648\u062f \u062a\u0639\u0627\u0631\u0636 \u062c\u062f\u06cc\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0628\u0647 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0628\u0631\u0633\u0646\u062f \u0648 \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0627\u0632 \u062a\u062e\u0641\u06cc\u0641\u200c\u0647\u0627\u06cc \u0631\u06cc\u0633\u06a9\u06cc \u0628\u0627\u0632\u0627\u0631 \u062e\u0627\u0631\u062c \u0634\u0648\u0646\u062f.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"571\" height=\"1024\" src=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-571x1024.webp\" alt=\"\" class=\"wp-image-2792\" srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-571x1024.webp 571w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-167x300.webp 167w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-768x1377.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-857x1536.webp 857w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1-1142x2048.webp 1142w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0686\u0647-\u06a9\u0633\u0627\u0646\u06cc-\u0628\u06cc\u0634\u062a\u0631\u06cc\u0646-\u0633\u0648\u062f-\u0631\u0627-\u0627\u0632-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0645\u06cc-\u0628\u0631\u0646\u062f-\u061f-1.webp 1428w\" sizes=\"(max-width: 571px) 100vw, 571px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><em>\u0686\u0647 \u06a9\u0633\u0627\u0646\u06cc \u0628\u06cc\u0634\u062a\u0631\u06cc\u0646 \u0633\u0648\u062f \u0631\u0627 \u0627\u0632 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0645\u06cc\u200c\u0628\u0631\u0646\u062f\u061f<\/em><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><\/p>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">\u0647\u0645\u0647 \u0645\u0627\u0644\u06a9\u200c\u0647\u0627 \u0627\u0632 \u062f\u0627\u0634\u062a\u0646 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0633\u0648\u062f \u0645\u06cc\u200c\u0628\u0631\u0646\u062f\u060c \u0627\u0645\u0627 \u0628\u0631\u0627\u06cc \u0628\u0639\u0636\u06cc\u200c\u0647\u0627 \u0627\u06cc\u0646 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0627\u0631\u0632\u0634\u060c \u0645\u0644\u0645\u0648\u0633\u200c\u062a\u0631 \u0627\u0633\u062a.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u06a9\u0633\u0627\u0646\u06cc \u06a9\u0647 \u0642\u0635\u062f \u0641\u0631\u0648\u0634 \u062f\u0631 \u06f1 \u062a\u0627 \u06f3 \u0633\u0627\u0644 \u0622\u06cc\u0646\u062f\u0647 \u062f\u0627\u0631\u0646\u062f<br>\u0628\u0627 \u0633\u0646\u062f\u062f\u0627\u0631 \u06a9\u0631\u062f\u0646 \u0645\u0644\u06a9\u060c \u062f\u0631 \u0622\u06af\u0647\u06cc\u200c\u0647\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0631\u0648\u06cc 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\u0642\u0648\u0644\u0646\u0627\u0645\u0647\u200c\u0627\u06cc \u0648 \u0633\u0646\u062f\u062f\u0627\u0631\u060c \u0633\u0648\u062f \u0645\u06cc\u200c\u0633\u0627\u0632\u0646\u062f\u061b \u0627\u0644\u0628\u062a\u0647 \u0628\u0647 \u0634\u0631\u0637 \u0628\u0631\u0631\u0633\u06cc \u062f\u0642\u06cc\u0642 \u062d\u0642\u0648\u0642\u06cc.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0627\u06af\u0631 \u0647\u0646\u0648\u0632 \u0645\u0637\u0645\u0626\u0646 \u0646\u06cc\u0633\u062a\u06cc\u062f \u0633\u0646\u062f \u0641\u0639\u0644\u06cc\u200c\u062a\u0627\u0646 \u0686\u0647 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc\u06cc \u062f\u0627\u0631\u062f\u060c \u0645\u0642\u0627\u0644\u0647&nbsp;<a href=\"https:\/\/smartvest.ir\/blog\/%d8%b3%d9%86%d8%af-%d8%ba%db%8c%d8%b1-%d8%aa%da%a9%d8%a8%d8%b1%da%af-%da%86%d9%87-%d9%85%d8%b4%da%a9%d9%84%d8%a7%d8%aa%db%8c-%d8%a7%db%8c%d8%ac%d8%a7%d8%af-%d9%85%db%8c%da%a9%d9%86%d8%af\/\">\u0633\u0646\u062f \u063a\u06cc\u0631 \u062a\u06a9\u200c\u0628\u0631\u06af \u0686\u0647 \u0645\u0634\u06a9\u0644\u0627\u062a\u06cc \u0627\u06cc\u062c\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f\u061f<\/a>&nbsp;\u0631\u0627 \u062d\u062a\u0645\u0627 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f.<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0628\u062e\u0634\u06cc \u0627\u0632 \u062f\u0631\u062e\u0648\u0627\u0633\u062a\u200c\u0647\u0627\u06cc \u0635\u062f\u0648\u0631 \u0633\u0646\u062f \u0628\u0631\u0627\u06cc \u0627\u0645\u0644\u0627\u06a9 \u0641\u0627\u0642\u062f \u0633\u0646\u062f\u060c \u0627\u0632 \u0637\u0631\u06cc\u0642&nbsp;<a href=\"https:\/\/sabtemelk.ssaa.ir\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0633\u0627\u0645\u0627\u0646\u0647 \u062b\u0628\u062a \u0645\u0644\u06a9<\/a>&nbsp;\u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u0631\u0627\u0647\u0646\u0645\u0627\u06cc \u062b\u0628\u062a\u200c\u0646\u0627\u0645 \u0648 \u0627\u0631\u0633\u0627\u0644 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srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f-571x1024.webp 571w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f-167x300.webp 167w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f-768x1377.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f-857x1536.webp 857w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f-1142x2048.webp 1142w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0627\u06cc\u0627-\u0627\u0641\u0632\u0627\u06cc\u0634-\u0642\u06cc\u0645\u062a-\u0645\u0644\u06a9-\u0628\u0627-\u0633\u0646\u062f-\u0631\u0633\u0645\u06cc-\u0628\u0631\u0627\u06cc-\u0645\u0644\u06a9-\u0645\u0646-\u06cc\u0647-\u0635\u0631\u0641\u0647-\u0627\u0633\u062a-\u061f.webp 1428w\" sizes=\"(max-width: 571px) 100vw, 571px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-medium-font-size\"><strong>\u0622\u06cc\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0628\u0631\u0627\u06cc \u0645\u0644\u06a9 \u0645\u0646 \u0628\u0647\u200c\u0635\u0631\u0641\u0647 \u0627\u0633\u062a\u061f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-small-font-size\"><em>\u0633\u0648\u0627\u0644 \u0627\u0635\u0644\u06cc \u0647\u0645\u06cc\u0646 \u0627\u0633\u062a: \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u0632\u0645\u0627\u0646 \u0633\u0646\u062f \u06af\u0631\u0641\u062a\u0646\u060c \u062f\u0631 \u0628\u0631\u0627\u0628\u0631 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a\u060c \u0627\u0631\u0632\u0634 \u062f\u0627\u0631\u062f \u06cc\u0627 \u0646\u0647\u061f<\/em><\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0628\u0631\u0627\u06cc \u062c\u0648\u0627\u0628\u060c \u062f\u0648 \u0642\u062f\u0645 \u0633\u0627\u062f\u0647 \u0648\u0644\u06cc \u062f\u0642\u06cc\u0642 \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u0645\u0634\u0627\u0648\u0631\u0647 \u062a\u062e\u0635\u0635\u06cc \u062d\u0642\u0648\u0642\u06cc \u06cc\u0627 \u06a9\u0627\u0631\u0634\u0646\u0627\u0633\u06cc<br>\u06cc\u06a9 \u0648\u06a9\u06cc\u0644 \u0645\u0644\u06a9\u06cc \u06cc\u0627 \u06a9\u0627\u0631\u0634\u0646\u0627\u0633 \u0631\u0633\u0645\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0648\u0636\u0639\u06cc\u062a \u062b\u0628\u062a\u06cc\u060c \u0627\u0645\u06a9\u0627\u0646 \u0635\u062f\u0648\u0631 \u0633\u0646\u062f\u060c \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627 \u0648 \u062a\u0627\u062b\u06cc\u0631 \u062a\u0642\u0631\u06cc\u0628\u06cc \u0633\u0646\u062f \u0628\u0631 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0634\u0645\u0627 \u0631\u0627 \u0634\u0641\u0627\u0641 \u06a9\u0646\u062f.\u200b<\/li>\n\n\n\n<li class=\"has-small-font-size\">\u0645\u0642\u0627\u06cc\u0633\u0647 \u0642\u06cc\u0645\u062a\u200c\u0647\u0627 \u062f\u0631 \u0645\u062d\u0644\u0647<br>\u0686\u0646\u062f 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\u0628\u06af\u06cc\u0631\u06cc\u0645\u061f \u0645\u0631\u0627\u062d\u0644\u060c&nbsp;<a href=\"https:\/\/smartvest.ir\/blog\/%d9%85%d8%af%d8%a7%d8%b1%da%a9-%d9%85%d9%88%d8%b1%d8%af-%d9%86%db%8c%d8%a7%d8%b2-%d8%a8%d8%b1%d8%a7%db%8c-%d8%b3%d9%86%d8%af-%d8%aa%da%a9-%d8%a8%d8%b1%da%af-%d8%af%d8%b1-1404\/\">\u0645\u062f\u0627\u0631\u06a9 \u0648 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u062f\u0631 \u0633\u0627\u0644 1404<\/a><\/em><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"571\" height=\"1024\" src=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-571x1024.webp\" alt=\"\" class=\"wp-image-2782\" srcset=\"https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-571x1024.webp 571w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-167x300.webp 167w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-768x1377.webp 768w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-857x1536.webp 857w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f-1142x2048.webp 1142w, https:\/\/smartvest.ir\/blog\/wp-content\/uploads\/2026\/01\/\u0633\u0646\u062f-\u06af\u0631\u0641\u062a\u0646-\u0641\u0642\u0637-\u06a9\u0627\u0631-\u0627\u062f\u0627\u0631\u06cc-\u06cc\u0627-\u06cc\u06a9-\u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc-\u0645\u0627\u0644\u06cc-\u061f.webp 1428w\" sizes=\"(max-width: 571px) 100vw, 571px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-medium-font-size\"><strong>&nbsp;\u0633\u0646\u062f \u06af\u0631\u0641\u062a\u0646\u061b \u0641\u0642\u0637 \u06a9\u0627\u0631 \u0627\u062f\u0627\u0631\u06cc \u06cc\u0627 \u06cc\u06a9 \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc \u0645\u0627\u0644\u06cc\u061f<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-center\"><\/p>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">\u062f\u0631 \u0646\u06af\u0627\u0647 \u0627\u0648\u0644\u060c \u0633\u0646\u062f \u06af\u0631\u0641\u062a\u0646 \u0634\u0627\u06cc\u062f \u0634\u0628\u06cc\u0647 \u06cc\u06a9 \u06a9\u0627\u0631 \u0627\u062f\u0627\u0631\u06cc \u062e\u0633\u062a\u0647\u200c\u06a9\u0646\u0646\u062f\u0647 \u0628\u0647 \u0646\u0638\u0631 \u0628\u0631\u0633\u062f\u061b \u0641\u0631\u0645\u060c \u0635\u0641\u060c \u0627\u0633\u062a\u0639\u0644\u0627\u0645\u060c \u0647\u0632\u06cc\u0646\u0647.<\/p>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">\u0627\u0645\u0627 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\u0645\u06cc\u200c\u0622\u0648\u0631\u062f.&nbsp;<\/p>\n\n\n\n<p class=\"has-small-font-size\">\u0628\u0647\u200c\u062c\u0627\u06cc \u062f\u0647\u200c\u0647\u0627 \u0627\u067e \u0648 \u0633\u0627\u0645\u0627\u0646\u0647 \u062c\u062f\u0627\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0647\u0645\u0647 \u0686\u06cc\u0632 \u0631\u0627 \u0627\u0632 \u06cc\u06a9 \u062f\u0627\u0634\u0628\u0648\u0631\u062f \u0634\u0641\u0627\u0641 \u0648 \u0647\u0648\u0634\u0645\u0646\u062f \u06a9\u0646\u062a\u0631\u0644 \u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>\u0627\u0633\u0645\u0627\u0631\u062a\u200c \u200c\u0648\u0633\u062a \u062f\u0642\u06cc\u0642\u0627 \u0686\u0647 \u06a9\u0645\u06a9\u06cc \u0628\u0647 \u0634\u0645\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f\u061f<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-small-font-size\">\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f 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\u0628\u06cc\u0645\u0647 \u0648 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u060c \u062a\u0635\u0645\u06cc\u0645\u200c\u0647\u0627\u06cc\u06cc \u0645\u0637\u0645\u0626\u0646\u200c\u062a\u0631 \u0628\u06af\u06cc\u0631\u06cc\u062f.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\"><em><strong>\u0627\u06af\u0631 \u0627\u062d\u0633\u0627\u0633 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u067e\u0631\u0648\u0646\u062f\u0647\u200c\u062a\u0627\u0646 \u067e\u06cc\u0686\u06cc\u062f\u0647 \u0627\u0633\u062a\u060c \u0631\u0627\u0647\u0646\u0645\u0627\u06cc&nbsp;<a href=\"https:\/\/smartvest.ir\/blog\/%d9%88%da%a9%db%8c%d9%84-%d8%a8%d8%b1%d8%a7%db%8c-%d8%b3%d9%86%d8%af-%d8%aa%da%a9-%d8%a8%d8%b1%da%af-%da%86%d9%87-%d8%b2%d9%85%d8%a7%d9%86%db%8c-%d9%84%d8%a7%d8%b2%d9%85-%d8%a7%d8%b3%d8%aa%d8%9f\/\">&nbsp;\u0648\u06a9\u06cc\u0644 \u0628\u0631\u0627\u06cc \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af | \u0686\u0647 \u0632\u0645\u0627\u0646\u06cc \u0644\u0627\u0632\u0645 \u0627\u0633\u062a \u0648 \u0686\u0647 \u0632\u0645\u0627\u0646\u06cc \u0646\u0647\u061f<\/a>&nbsp;&nbsp;\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647 \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc \u0634\u0645\u0627 \u06a9\u0645\u06a9 \u06a9\u0646\u062f.<\/strong><\/em><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0686\u0631\u0627 \u0647\u0645\u06cc\u0646 \u0627\u0644\u0627\u0646 \u0646\u0635\u0628\u0634 \u06a9\u0646\u06cc\u0645\u061f<\/strong><br><strong>\u062f\u0631 \u0627\u0633\u0645\u0627\u0631\u062a\u200c\u0648\u0633\u062a\u060c \u0634\u0645\u0627 \u0641\u0642\u0637 \u0628\u0627 \u06cc\u06a9 \u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646\u060c \u062a\u0645\u0627\u0645 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0645\u0644\u06a9\u06cc\u060c \u0628\u06cc\u0645\u0647\u200c\u0647\u0627 \u0648 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f.<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u062f\u0633\u062a\u06cc\u0627\u0631 \u0647\u0648\u0634\u0645\u0646\u062f \u062d\u0642\u0648\u0642\u06cc \u0648 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0627\u0633\u0645\u0627\u0631\u062a\u200c\u0648\u0633\u062a:<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0627\u0633\u0645\u0627\u0631\u062a \u0648\u0633\u062a \u0628\u0627 \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u062b\u0628\u062a\u06cc\u060c \u0642\u0648\u0627\u0646\u06cc\u0646 \u0631\u0648\u0632 \u0648 \u0627\u0644\u06af\u0648\u0647\u0627\u06cc \u0631\u0641\u062a\u0627\u0631\u06cc \u062e\u0631\u06cc\u062f\u0627\u0631\u0627\u0646\u060c \u0631\u0627\u0647\u0646\u0645\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0634\u062e\u0635\u06cc\u200c\u0633\u0627\u0632\u06cc\u200c\u0634\u062f\u0647 \u0627\u0631\u0627\u0626\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/strong><\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0645\u062b\u0644\u0627\u064b \u0648\u0642\u062a\u06cc \u0645\u0644\u06a9 \u0634\u0645\u0627 \u0642\u0648\u0644\u0646\u0627\u0645\u0647\u200c\u0627\u06cc \u0627\u0633\u062a\u060c \u0627\u0633\u0645\u0627\u0631\u062a \u0648\u0633\u062a \u062f\u0642\u06cc\u0642\u0627\u064b \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f: \u00ab\u0628\u0627 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u060c \u0627\u062d\u062a\u0645\u0627\u0644 \u0641\u0631\u0648\u0634 68\u066a \u0633\u0631\u06cc\u0639\u200c\u062a\u0631 \u0648 \u0628\u0627 \u0645\u06cc\u0627\u0646\u06af\u06cc\u0646 \u0642\u06cc\u0645\u062a 15\u066a \u0628\u0627\u0644\u0627\u062a\u0631 \u0627\u0633\u062a.\u00bb<\/strong><\/p>\n\n\n\n<p data-wp-context---core-fit-text=\"core\/fit-text::{&quot;fontSize&quot;:&quot;&quot;}\" data-wp-init---core-fit-text=\"core\/fit-text::callbacks.init\" data-wp-interactive data-wp-style--font-size=\"core\/fit-text::context.fontSize\" class=\"has-fit-text\"><strong>\u062f\u0627\u0646\u0644\u0648\u062f PDF \u0622\u06cc\u0627 \u0648\u0627\u0642\u0639\u0627\u064b \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0648\u06a9\u06cc\u0644 \u0628\u0631\u0627\u06cc \u062b\u0628\u062a \u0633\u0646\u062f \u062a\u06a9\u200c \u0628\u0631\u06af \u062f\u0627\u0631\u06cc\u062f\u061f<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\">\u0628\u0631\u0627\u06cc \u0631\u0627\u062d\u062a\u06cc \u0634\u0645\u0627\u060c \u0627\u06cc\u0646 \u0631\u0627\u0647\u0646\u0645\u0627\u06cc \u06a9\u0627\u0645\u0644 \u0631\u0627 \u062f\u0631 \u0642\u0627\u0644\u0628&nbsp;<strong>PDF<\/strong>&nbsp;\u0645\u0631\u0628\u0648\u0637 \u0628\u0647 \u0627\u06cc\u0646 \u06a9\u0647 \u0622\u06cc\u0627 \u0648\u0627\u0642\u0639\u0627\u064b \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0648\u06a9\u06cc\u0644 \u0628\u0631\u0627\u06cc \u062b\u0628\u062a \u0633\u0646\u062f \u062a\u06a9\u200c \u0628\u0631\u06af \u062f\u0627\u0631\u06cc\u062f\u061f \u0622\u0645\u0627\u062f\u0647 \u06a9\u0631\u062f\u0647\u200c\u0627\u06cc\u0645.<\/p>\n\n\n\n<p class=\"has-text-align-center has-small-font-size\">\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0622\u0646 \u0631\u0627 \u062f\u0627\u0646\u0644\u0648\u062f \u06a9\u0631\u062f\u0647 \u0648 \u0647\u0645\u06cc\u0634\u0647 \u0647\u0645\u0631\u0627\u0647 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f.<\/p>\n\n\n\n<div class=\"wp-block-buttons alignwide is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/smartvest.ir\/blog\/tag\/%d8%ae%d8%b1%db%8c%d8%af-%d9%85%d9%84%da%a9\/\"><strong>\u0628\u0627\u0632\u06a9\u0631\u062f\u0646 \u0641\u0627\u06cc\u0644 pdf<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong>\u0627\u06af\u0631 \u0633\u0648\u0627\u0644\u06cc \u062f\u0627\u0631\u06cc\u062f \u06cc\u0627 \u0646\u06cc\u0627\u0632 \u0628\u0647<a href=\"https:\/\/smartvest.ir\/services\">&nbsp;\u0645\u0634\u0627\u0648\u0631\u0647 \u062d\u0642\u0648\u0642\u06cc<\/a>&nbsp;\u062f\u0627\u0631\u06cc\u062f\u060c \u062f\u0631<a href=\"https:\/\/smartvest.ir\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u067e\u0644\u06cc\u06a9\u06cc\u0634\u0646 \u0627\u0633\u0645\u0627\u0631\u062a \u0648\u0633\u062a<\/a>&nbsp;\u0645\u0627 \u067e\u0627\u0633\u062e\u06af\u0648\u06cc \u0634\u0645\u0627 \u0647\u0633\u062a\u06cc\u0645.<\/strong><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong><strong>\u0645\u0646\u0627\u0628\u0639 \u0645\u0639\u062a\u0628\u0631:<\/strong><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-ast-global-color-7-color has-text-color has-link-color has-small-font-size wp-elements-9ba5645e2f76bf46ff5c92f2cc373161\"><strong>\u0633\u0627\u0632\u0645\u0627\u0646 \u062b\u0628\u062a \u0627\u0633\u0646\u0627\u062f \u0648 \u0627\u0645\u0644\u0627\u06a9 \u06a9\u0634\u0648\u0631\u060c \u00ab\u06af\u0632\u0627\u0631\u0634 \u062a\u062d\u0644\u06cc\u0644\u06cc \u0628\u0627\u0632\u0627\u0631 \u0645\u0633\u06a9\u0646 \u0648 \u062a\u0623\u062b\u06cc\u0631 \u0648\u0636\u0639\u06cc\u062a \u0633\u0646\u062f \u0628\u0631 \u0642\u06cc\u0645\u062a\u200c\u0647\u0627\u00bb\u060c \u0645\u0647\u0631 1404<\/strong><\/li>\n\n\n\n<li class=\"has-ast-global-color-7-color has-text-color has-link-color has-small-font-size wp-elements-d0a38bb600437ddb980cfe9bca93e5c7\"><strong>\u0645\u0631\u06a9\u0632 \u0622\u0645\u0627\u0631 \u0627\u06cc\u0631\u0627\u0646\u060c \u00ab\u0622\u0645\u0627\u0631 \u062b\u0628\u062a\u06cc \u0645\u0644\u06a9 \u062f\u0631 \u0634\u0647\u0631\u0647\u0627\u06cc \u0628\u0632\u0631\u06af\u00bb\u060c \u0622\u0628\u0627\u0646 1404<\/strong><\/li>\n\n\n\n<li class=\"has-ast-global-color-7-color has-text-color has-link-color has-small-font-size wp-elements-903f7131cb8ff1d06c2f8036849bfda8\"><strong>\u062f\u0633\u062a\u0648\u0631\u0627\u0644\u0639\u0645\u0644 \u0635\u062f\u0648\u0631 \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u060c \u0648\u0632\u0627\u0631\u062a \u062f\u0627\u062f\u06af\u0633\u062a\u0631\u06cc\u060c \u0648\u06cc\u0631\u0627\u06cc\u0634 1403<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-small-font-size\"><strong>\u0646\u0648\u0634\u062a\u0647 \u0634\u062f\u0647 \u062a\u0648\u0633\u0637:<br><em>\u062a\u06cc\u0645 \u0645\u062d\u062a\u0648\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f\u00a0<\/em>\u0627\u0633\u0645\u0627\u0631\u062a\u200c\u0648\u0633\u062a<em>\u00a0\u060c \u062f\u0633\u062a\u06cc\u0627\u0631 \u0647\u0648\u0634 \u0645\u0635\u0646\u0648\u0639\u06cc \u062a\u062e\u0635\u0635\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0648 \u062d\u0642\u0648\u0642 \u0645\u0644\u06a9\u06cc.<\/em><\/strong>                                     \u00a0\u00a0<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0641\u0647\u0631\u0633\u062a \u0645\u0637\u0627\u0644\u0628 \u0686\u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0648\u0627\u0642\u0639\u0627\u064b \u0627\u062a\u0641\u0627\u0642 \u0645\u06cc\u200c\u0627\u0641\u062a\u062f\u061f \u0633\u0646\u062f \u062a\u06a9\u200c\u0628\u0631\u06af\u061b \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0627\u0628\u0632\u0627\u0631 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0627\u0632 \u0642\u0648\u0644\u0646\u0627\u0645\u0647 \u062a\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc\u061b \u0627\u0632 \u06a9\u062c\u0627 \u0627\u0631\u0632\u0634 \u0627\u0641\u0632\u0648\u062f\u0647 \u0634\u0631\u0648\u0639 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f \u0686\u0647 \u06a9\u0633\u0627\u0646\u06cc \u0628\u06cc\u0634\u062a\u0631\u06cc\u0646 \u0633\u0648\u062f \u0631\u0627 \u0627\u0632 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0645\u06cc\u200c\u0628\u0631\u0646\u062f\u061f \u0622\u06cc\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u0645\u0644\u06a9 \u0628\u0627 \u0633\u0646\u062f \u0631\u0633\u0645\u06cc \u0628\u0631\u0627\u06cc \u0645\u0644\u06a9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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