{"id":35434,"date":"2025-10-19T12:16:45","date_gmt":"2025-10-19T08:46:45","guid":{"rendered":"https:\/\/megashid.com\/?p=35434"},"modified":"2026-02-07T16:46:46","modified_gmt":"2026-02-07T13:16:46","slug":"%d9%85%d8%ad%d8%a7%d8%b3%d8%a8%d9%87-%d8%a7%d9%82%d8%b3%d8%a7%d8%b7-%d9%88%d8%a7%d9%85","status":"publish","type":"post","link":"https:\/\/megashid.com\/?p=35434","title":{"rendered":"\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645"},"content":{"rendered":"

\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645<\/h2>\n

 <\/p>\n

\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0628\u0627\u06cc\u062f \u0645\u0628\u0644\u063a \u0627\u0635\u0644 \u0648\u0627\u0645\u060c \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u0648 \u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637 \u0631\u0627 \u0645\u0634\u062e\u0635 \u06a9\u0646\u06cc\u062f \u062a\u0627 \u0628\u062a\u0648\u0627\u0646 \u0628\u0627 \u0641\u0631\u0645\u0648\u0644\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc \u0645\u06cc\u0632\u0627\u0646 \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647\u060c \u06a9\u0644 \u0633\u0648\u062f \u0648 \u0645\u0628\u0644\u063a \u06a9\u0644 \u0628\u0627\u0632\u067e\u0631\u062f\u0627\u062e\u062a \u0631\u0627 \u0628\u062f\u0633\u062a \u0622\u0648\u0631\u062f.<\/p>\n

 <\/p>\n

\u00a0\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645<\/h2>\n

\u062f\u0631 \u062d\u0627\u0644\u062a \u0631\u0627\u06cc\u062c \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc (\u0648\u0627\u0645 \u0642\u0633\u0637 \u062b\u0627\u0628\u062a \u06cc\u0627 \u0631\u0648\u0634 \u067e\u0644\u06a9\u0627\u0646\u06cc \u0633\u0627\u062f\u0647)\u060c \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0647 \u0627\u06cc\u0646 \u0635\u0648\u0631\u062a \u0627\u0633\u062a:<\/p>\n

 <\/p>\n

– \u0627\u06af\u0631 \u0648\u0627\u0645 \u0628\u0647 \u0635\u0648\u0631\u062a \u0642\u0633\u0637 \u0645\u0633\u0627\u0648\u06cc \u0628\u0627\u0634\u062f (\u0648\u0627\u0645 \u0633\u0627\u062f\u0647 \u0628\u0627 \u0633\u0648\u062f \u0633\u0631\u06cc):<\/p>\n

$$<\/p>\n

\u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647 = \\frac{\u0627\u0635\u0644 \u0648\u0627\u0645 \\times \u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0627\u0647\u0627\u0646\u0647 \\times (1+\u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0627\u0647\u0627\u0646\u0647)^{\u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637}}{(1+\u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0627\u0647\u0627\u0646\u0647)^{\u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637} – 1}<\/p>\n

$$<\/p>\n

\u06a9\u0647 \u0646\u0631\u062e \u0633\u0648\u062f \u0645\u0627\u0647\u0627\u0646\u0647 \u0627\u0632 \u062a\u0642\u0633\u06cc\u0645 \u0646\u0631\u062e \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0631 12 \u0628\u0647 \u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u06cc\u062f.<\/p>\n

\"\u0645\u062d\u0627\u0633\u0628\u0647<\/p>\n

\u0646\u06a9\u0627\u062a \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc<\/p>\n

– \u0628\u0631\u0627\u06cc \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 (\u06a9\u0627\u0631\u0645\u0632\u062f \u06f4 \u062f\u0631\u0635\u062f)\u060c \u0628\u0647\u062a\u0631 \u0627\u0633\u062a \u0627\u0632 \u0645\u0628\u062f\u0644\u200c\u0647\u0627\u06cc \u0648\u06cc\u0698\u0647 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0634\u0648\u062f \u0648 \u0646\u0648\u0639 \u0645\u062d\u0627\u0633\u0628\u0647 \u0631\u0627 \u062a\u063a\u06cc\u06cc\u0631 \u062f\u0627\u062f.<\/p>\n

– \u0633\u0627\u06cc\u062a\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u00ab\u0628\u0627 \u062d\u0633\u0627\u0628\u00bb \u0648 \u00ab\u0631\u062f\u0647\u00bb \u0648 \u00ab\u062a\u0628\u062f\u06cc\u0644 \u06cc\u0627\u0628\u00bb \u0627\u0628\u0632\u0627\u0631 \u0622\u0646\u0644\u0627\u06cc\u0646 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f \u0648 \u0642\u062f\u06cc\u0645 \u0628\u0627\u0646\u06a9 \u0645\u0631\u06a9\u0632\u06cc \u0627\u0631\u0627\u0626\u0647 \u062f\u0627\u062f\u0647\u200c\u0627\u0646\u062f \u06a9\u0647 \u062a\u0646\u0647\u0627 \u06a9\u0627\u0641\u06cc \u0627\u0633\u062a \u0627\u0635\u0644 \u0648\u0627\u0645\u060c \u0646\u0631\u062e \u0633\u0648\u062f \u0648 \u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0631\u062f \u0634\u0648\u062f \u062a\u0627 \u0645\u0628\u0644\u063a \u0642\u0633\u0637 \u0648 \u0633\u0648\u062f \u0646\u0647\u0627\u06cc\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u06af\u0631\u062f\u062f.<\/p>\n

…………………………………………………………………..<\/p>\n

\u0628\u06cc\u0634\u062a\u0631 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f : \u0648\u0627\u0645 \u06f5\u06f0\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646\u06cc \u0628\u0627 \u0633\u0646\u062f \u0645\u0644\u06a9\u06cc \u0628\u0627\u0646\u06a9 \u0645\u0633\u06a9\u0646<\/a><\/strong><\/p>\n

…………………………………………………………………..<\/p>\n

\u062a\u0648\u0635\u06cc\u0647<\/p>\n

\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0642\u06cc\u0642 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u062e\u0648\u062f \u0628\u0631 \u0627\u0633\u0627\u0633 \u067e\u0627\u0631\u0627\u0645\u062a\u0631\u0647\u0627\u06cc \u062e\u0627\u0635 \u0648\u0627\u0645 (\u0646\u0648\u0639 \u0648\u0627\u0645\u060c \u0646\u0631\u062e \u0633\u0648\u062f\u060c \u062f\u0648\u0631\u0647 \u0628\u0627\u0632\u067e\u0631\u062f\u0627\u062e\u062a) \u062a\u0648\u0635\u06cc\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u0627\u0632 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0627\u0634\u06cc\u0646\u200c\u062d\u0633\u0627\u0628\u200c\u0647\u0627\u06cc \u0622\u0646\u0644\u0627\u06cc\u0646 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u062f \u06cc\u0627 \u067e\u0627\u0631\u0627\u0645\u062a\u0631\u0647\u0627\u06cc \u0645\u0648\u0631\u062f \u0646\u0638\u0631 \u0631\u0627 \u0627\u0631\u0627\u0626\u0647 \u062f\u0647\u06cc\u062f \u062a\u0627 \u0631\u0627\u0647\u0646\u0645\u0627\u06cc\u06cc \u062f\u0642\u06cc\u0642\u200c\u062a\u0631 \u062f\u0631\u06cc\u0627\u0641\u062a \u06a9\u0646\u06cc\u062f.<\/p>\n

 <\/p>\n

\u00a0\u0645\u062d\u0627\u0633\u0628\u0647 \u0648\u0627\u0645 \u0648 \u0627\u0642\u0633\u0627\u0637 \u0628\u0627 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0648 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647<\/h2>\n

 <\/p>\n

\u062f\u0631 \u0627\u06cc\u0646 \u0631\u0627\u0647\u0646\u0645\u0627\u060c \u0628\u0647 \u0633\u0624\u0627\u0644\u0627\u062a \u06a9\u0644\u06cc\u062f\u06cc \u062f\u0631\u0628\u0627\u0631\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647 \u0648\u0627\u0645\u060c \u062a\u0641\u0627\u0648\u062a \u0641\u0631\u0645\u0648\u0644\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u0648 \u0642\u062f\u06cc\u0645\u060c \u0646\u062d\u0648\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0648\u0627\u0645 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647\u060c \u0645\u0627\u0646\u062f\u0647 \u062a\u0633\u0648\u06cc\u0647 \u0628\u0639\u062f \u0627\u0632 \u067e\u0631\u062f\u0627\u062e\u062a \u0686\u0646\u062f \u0642\u0633\u0637\u060c \u0648 \u0633\u0627\u062e\u062a \u062c\u062f\u0648\u0644 amortization \u0645\u06cc\u200c\u067e\u0631\u062f\u0627\u0632\u06cc\u0645.<\/p>\n

 <\/p>\n

\"\u0622\u0645\u0648\u0632\u0634<\/p>\n

 <\/p>\n

\u06f1. \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0628\u0627 \u0646\u0631\u062e \u0645\u0631\u06a9\u0628 (\u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f\/\u0645\u0639\u0627\u062f\u0644 \u0628\u0627 \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc)<\/p>\n

\u0628\u0631\u0627\u06cc \u0648\u0627\u0645\u200c\u0647\u0627\u06cc\u06cc \u0628\u0627 \u0646\u0631\u062e \u0645\u0631\u06a9\u0628 \/ \u0627\u0642\u0633\u0627\u0637 \u06cc\u06a9\u0633\u0627\u0646 (\u0645\u0639\u0645\u0648\u0644\u0627\u064b \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u00ab\u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f\u00bb \u06cc\u0627 \u0627\u0642\u0633\u0627\u0637 \u067e\u0644\u06a9\u0627\u0646\u06cc \u0646\u0632\u0648\u0644\u06cc)\u060c \u0627\u0632 \u0641\u0631\u0645\u0648\u0644 \u0632\u06cc\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f:<\/p>\n

 <\/p>\n

$$<\/p>\n

A = \\frac{P \\times r \\times (1 + r)^n}{(1 + r)^n – 1}<\/p>\n

$$<\/p>\n

– A: \u0645\u0628\u0644\u063a \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647<\/p>\n

– P: \u0627\u0635\u0644 \u0648\u0627\u0645<\/p>\n

– r: \u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647 (\u0645\u062b\u0644\u0627\u064b \u06f1\u06f8\u066a \u0633\u0627\u0644\u0627\u0646\u0647 = \u06f0\u066b\u06f1\u06f8\/\u06f1\u06f2 = \u06f0\u066b\u06f0\u06f1\u06f5)<\/p>\n

– n: \u062a\u0639\u062f\u0627\u062f \u0645\u0627\u0647\u200c\u0647\u0627 (\u0628\u0631\u0627\u06cc \u06f5 \u0633\u0627\u0644\u060c $$n = 60$$)<\/p>\n

 <\/p>\n

\u0648\u06cc\u0698\u06af\u06cc\u200c\u0647\u0627: \u062f\u0631 \u0627\u06cc\u0646 \u0645\u062f\u0644\u060c \u0647\u0631 \u0642\u0633\u0637 \u0634\u0627\u0645\u0644 \u062f\u0648 \u0628\u062e\u0634 \u0627\u0633\u062a: \u0633\u0648\u062f \u0631\u0648\u06cc \u0645\u0627\u0646\u062f\u0647 \u0648\u0627\u0645 \u0648 \u0627\u0635\u0644 \u0648\u0627\u0645. \u062f\u0631 \u0627\u0628\u062a\u062f\u0627\u06cc \u062f\u0648\u0631\u0647 \u0633\u0647\u0645 \u0633\u0648\u062f \u0628\u06cc\u0634\u062a\u0631 \u0648 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0647\u0645 \u0627\u0635\u0644 \u0648\u0627\u0645 \u0628\u06cc\u0634\u062a\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n

 <\/p>\n

\u06f2. \u0641\u0631\u0645\u0648\u0644 \u0642\u062f\u06cc\u0645 \u0648 \u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f: \u062a\u0641\u0627\u0648\u062a\u200c\u0647\u0627<\/p>\n

– \u0641\u0631\u0645\u0648\u0644 \u0642\u062f\u06cc\u0645: \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0647\u0631\u0647 \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u06a9\u0644\u06cc \u062d\u0633\u0627\u0628 \u0648 \u0628\u06cc\u0646 \u0627\u0642\u0633\u0627\u0637 \u062a\u0642\u0633\u06cc\u0645 \u0645\u06cc\u200c\u06a9\u0646\u062f (\u0633\u0627\u062f\u0647\u200c\u062a\u0631 \u0648\u0644\u06cc \u0628\u0631\u0627\u06cc \u0648\u0627\u0645 \u06af\u06cc\u0631\u0646\u062f\u0647 \u0628\u0647\u200c\u0635\u0631\u0641\u0647\u200c\u062a\u0631 \u0646\u0628\u0648\u062f). \u06af\u0627\u0647\u06cc \u0633\u0648\u062f \u00ab\u06cc\u06a9\u062c\u0627\u00bb \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n

– \u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f (\u0645\u0631\u06a9\u0628): \u0628\u0647\u0631\u0647 \u0641\u0642\u0637 \u0631\u0648\u06cc \u0645\u0627\u0646\u062f\u0647 \u0648\u0627\u0645 \u0647\u0631 \u0645\u0627\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0627\u0642\u0633\u0627\u0637 \u0645\u0633\u0627\u0648\u06cc \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0631\u0648\u0634 \u0628\u0647 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f \u062c\u0647\u0627\u0646\u06cc (amortization) \u0646\u0632\u062f\u06cc\u06a9 \u0627\u0633\u062a \u0648 \u0639\u062f\u0627\u0644\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u062f\u0631 \u062a\u0648\u0632\u06cc\u0639 \u0633\u0648\u062f \u062f\u0627\u0631\u062f.<\/p>\n

 <\/p>\n

\u06f3. \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647<\/p>\n

\u062f\u0631 \u0648\u0627\u0645 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 (\u0645\u062b\u0644\u0627\u064b \u0627\u0632\u062f\u0648\u0627\u062c)\u060c \u0628\u0627\u0646\u06a9 \u0641\u0642\u0637 \u06a9\u0627\u0631\u0645\u0632\u062f (\u0645\u0639\u0645\u0648\u0644\u0627\u064b \u06f4\u066a \u062f\u0631 \u0633\u0627\u0644) \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f \u0648 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0646\u062f\u0627\u0631\u062f.<\/p>\n

\u0641\u0631\u0645\u0648\u0644 \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0633\u0627\u062f\u0647 \u0627\u0633\u062a:<\/p>\n

\"\u0645\u062d\u0627\u0633\u0628\u0647<\/p>\n

$$<\/p>\n

A = \\frac{P + (P \\times r’ \\times n)}{n}<\/p>\n

$$<\/p>\n

– A: \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647<\/p>\n

– P: \u0627\u0635\u0644 \u0648\u0627\u0645<\/p>\n

– r’: \u0646\u0631\u062e \u06a9\u0627\u0631\u0645\u0632\u062f \u0633\u0627\u0644\u0627\u0646\u0647 (\u0645\u062b\u0644\u0627\u064b \u06f0.\u06f0\u06f4)<\/p>\n

– n: \u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637 \u0645\u0627\u0647\u0627\u0646\u0647 (\u0645\u062b\u0644\u0627\u064b \u06f5 \u0633\u0627\u0644 = \u06f6\u06f0 \u0645\u0627\u0647)<\/p>\n

 <\/p>\n

\u062f\u0631 \u0647\u0631 \u0642\u0633\u0637 \u0633\u0647\u0645 \u0627\u0635\u0644 \u0648 \u0633\u0647\u0645 \u06a9\u0627\u0631\u0645\u0632\u062f \u062b\u0627\u0628\u062a \u0627\u0633\u062a.<\/p>\n

…………………………………………………………………..<\/p>\n

\u0628\u06cc\u0634\u062a\u0631 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f : \u0648\u0627\u0645 \u0628\u062f\u0648\u0646 \u0636\u0627\u0645\u0646 \u0622\u0646\u0644\u0627\u06cc\u0646<\/a><\/strong><\/p>\n

…………………………………………………………………..<\/p>\n

 <\/p>\n

\u06f4. \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u0627\u0646\u062f\u0647 \u062a\u0633\u0648\u06cc\u0647 \u067e\u0633 \u0627\u0632 \u067e\u0631\u062f\u0627\u062e\u062a n \u0642\u0633\u0637<\/p>\n

\u062f\u0631 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0627\u0642\u0633\u0627\u0637\u06cc \u0645\u0639\u0645\u0648\u0644\u06cc (\u0645\u0631\u06a9\u0628)\u060c \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u0627\u0646\u062f\u0647 \u062a\u0633\u0648\u06cc\u0647 \u0628\u0639\u062f \u0627\u0632 \u067e\u0631\u062f\u0627\u062e\u062a $$k$$ \u0642\u0633\u0637\u060c \u0645\u0627\u0646\u062f\u0647 \u0627\u0635\u0644 \u0648\u0627\u0645 \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0627 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u06a9\u0631\u062f:<\/p>\n

 <\/p>\n

$$<\/p>\n

\\text{Balance}_k = P \\times (1 + r)^k – A \\times \\frac{(1 + r)^k – 1}{r}<\/p>\n

$$<\/p>\n

– P: \u0627\u0635\u0644 \u0648\u0627\u0645<\/p>\n

– r: \u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647<\/p>\n

– A: \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647<\/p>\n

– k: \u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0634\u062f\u0647<\/p>\n

 <\/p>\n

\u062f\u0631 \u0648\u0627\u0645 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 \u06a9\u0627\u0641\u06cc \u0627\u0633\u062a \u0645\u062c\u0645\u0648\u0639 \u0627\u0642\u0633\u0627\u0637 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u0631\u0627 \u062c\u0645\u0639 \u0628\u0628\u0646\u062f\u06cc\u062f.<\/p>\n

 <\/p>\n

\u06f5. \u062c\u062f\u0648\u0644 Amortization \u0628\u0631\u0627\u06cc \u0648\u0627\u0645 \u06f5 \u0633\u0627\u0644\u0647<\/p>\n

\u0628\u0631\u0627\u06cc \u0648\u0627\u0645\u06cc \u0628\u0627 \u0627\u0635\u0644 $$P$$\u060c \u0646\u0631\u062e \u0633\u0627\u0644\u0627\u0646\u0647 $$i$$\u060c \u0645\u062f\u062a $$5$$ \u0633\u0627\u0644 ($$60$$ \u0645\u0627\u0647):<\/p>\n

    \n
  1. \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647 $$A$$ \u0631\u0627 \u0628\u0627 \u0641\u0631\u0645\u0648\u0644 \u0628\u0627\u0644\u0627 \u067e\u06cc\u062f\u0627 \u06a9\u0646\u06cc\u062f.<\/li>\n
  2. \u062f\u0631 \u0647\u0631 \u0645\u0627\u0647:<\/li>\n<\/ol>\n

    – \u0633\u0647\u0645 \u0633\u0648\u062f = \u0645\u0627\u0646\u062f\u0647 \u00a0\u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647<\/p>\n

    – \u0633\u0647\u0645 \u0627\u0635\u0644 = \u0642\u0633\u0637 – \u0633\u0647\u0645 \u0633\u0648\u062f<\/p>\n

    – \u0645\u0627\u0646\u062f\u0647 \u062c\u062f\u06cc\u062f = \u0645\u0627\u0646\u062f\u0647 \u0642\u0628\u0644\u06cc – \u0633\u0647\u0645 \u0627\u0635\u0644<\/p>\n

     <\/p>\n

    \u06cc\u06a9 \u0631\u062f\u06cc\u0641 \u0646\u0645\u0648\u0646\u0647 \u062c\u062f\u0648\u0644:<\/p>\n

     <\/p>\n

    | \u0645\u0627\u0647 | \u0642\u0633\u0637 \u06a9\u0644 | \u0633\u0647\u0645 \u0627\u0635\u0644 | \u0633\u0647\u0645 \u0633\u0648\u062f | \u0645\u0627\u0646\u062f\u0647 \u062a\u0633\u0648\u06cc\u0647 |<\/p>\n

    |—-:|——-:|——–:|——–:|————-:|<\/p>\n

    | \u06f1\u00a0\u00a0 | \u06f2,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0 | \u06f1,\u06f6\u06f5\u06f0,\u06f0\u06f0\u06f0 | \u06f8\u06f5\u06f0,\u06f0\u06f0\u06f0\u00a0 | \u06f9\u06f8,\u06f3\u06f5\u06f0,\u06f0\u06f0\u06f0 |<\/p>\n

    | \u06f2\u00a0\u00a0 | \u06f2,\u06f5\u06f0\u06f0,\u06f0\u06f0\u06f0 | \u06f1,\u06f6\u06f7\u06f3,\u06f0\u06f0\u06f0 | \u06f8\u06f2\u06f7,\u06f0\u06f0\u06f0\u00a0 | \u06f9\u06f6,\u06f6\u06f7\u06f7,\u06f0\u06f0\u06f0 |<\/p>\n

    | … | …\u00a0\u00a0\u00a0 | …\u00a0\u00a0\u00a0\u00a0 | …\u00a0\u00a0\u00a0\u00a0 | …\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 |<\/p>\n

     <\/p>\n

    (\u0627\u0639\u062f\u0627\u062f \u0628\u0627\u0644\u0627 \u0635\u0631\u0641\u0627\u064b \u0646\u0645\u0648\u0646\u0647 \u0647\u0633\u062a\u0646\u062f. \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0642\u06cc\u0642\u060c \u0627\u0639\u062f\u0627\u062f \u0648 \u0641\u0631\u0645\u0648\u0644 \u0628\u0627\u0644\u0627 \u0631\u0627 \u062c\u0627\u06cc\u06af\u0630\u0627\u0631\u06cc \u06a9\u0646\u06cc\u062f.)<\/p>\n

     <\/p>\n

    \u0645\u0631\u0648\u0631 \u0633\u0631\u06cc\u0639:<\/p>\n

    – \u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0647\u0645\u0627\u0646 \u0645\u062f\u0644 \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0645\u0628\u062a\u0646\u06cc \u0628\u0631 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0648 \u0627\u0642\u0633\u0627\u0637 \u06cc\u06a9\u0633\u0627\u0646 \u0627\u0633\u062a.<\/p>\n

    – \u0648\u0627\u0645 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 \u0641\u0642\u0637 \u0647\u0632\u06cc\u0646\u0647 \u06a9\u0627\u0631\u0645\u0632\u062f \u062f\u0627\u0631\u062f \u0648 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062a\u0639\u0644\u0642 \u0646\u0645\u06cc\u200c\u06af\u06cc\u0631\u062f.<\/p>\n

    – \u0628\u0631\u0627\u06cc \u062a\u0633\u0648\u06cc\u0647 \u0632\u0648\u062f\u062a\u0631\u060c \u0645\u0627\u0646\u062f\u0647 \u062a\u0633\u0648\u06cc\u0647 \u0628\u0627 \u0641\u0631\u0645\u0648\u0644 \u0645\u0627\u0646\u062f\u0647\u200c\u0628\u062f\u0647\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n

     <\/p>\n

    \u0627\u06af\u0631 \u0645\u0627\u06cc\u0644 \u0647\u0633\u062a\u06cc\u062f\u060c \u06cc\u06a9 \u0645\u062b\u0627\u0644 \u0628\u0627 \u0627\u0631\u0642\u0627\u0645 \u0648\u0627\u0642\u0639\u06cc \u0628\u0647 \u0645\u0646 \u0628\u062f\u0647\u06cc\u062f \u062a\u0627 \u0628\u0627 \u0647\u0645 \u062c\u062f\u0648\u0644 \u0631\u0627 \u062a\u06a9\u0645\u06cc\u0644 \u06a9\u0646\u06cc\u0645 \u06cc\u0627 \u0627\u06af\u0631 \u0628\u0647 \u062a\u0648\u0636\u06cc\u062d \u0648 \u062a\u0645\u0631\u06cc\u0646 \u0628\u06cc\u0634\u062a\u0631\u06cc \u0646\u06cc\u0627\u0632 \u062f\u0627\u0631\u06cc\u062f \u0627\u0639\u0644\u0627\u0645 \u06a9\u0646\u06cc\u062f.<\/p>\n

     <\/p>\n

    ***\u0628\u0631\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0627\u06cc\u0646 \u0648\u0627\u0645<\/em> \u0648 \u06cc\u0627 \u0648\u0627\u0645 \u0622\u0632\u0627\u062f\u060c \u062a\u0627\u0645\u06cc\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0648 \u067e\u0631\u062f\u0627\u062e\u062a \u0648\u0627\u0645 \u0628\u0627 \u0634\u0645\u0627\u0631\u0647 02166577983 \u0648 \u06cc\u0627 09922956548 \u0628\u0627 \u0645\u0627 \u062a\u0645\u0627\u0633 \u0628\u06af\u06cc\u0631\u06cc\u062f \u0648 \u06cc\u0627 \u0648\u0627\u0631\u062f \u0627\u06cc\u0646\u062c\u0627<\/a> \u0634\u0648\u06cc\u062f***<\/strong><\/p>\n

     <\/p>\n

     <\/p>\n

     <\/p>\n

    \u0645\u0642\u0627\u0644\u0627\u062a \u0645\u0631\u062a\u0628\u0637 :<\/strong><\/p>\n

    \u0648\u0627\u0645 \u0641\u0648\u0631\u06cc \u0628\u0627 \u0633\u0641\u062a\u0647 \u0628\u0627\u0646\u06a9 \u0645\u0644\u06cc<\/strong><\/a><\/p>\n

    \u0648\u0627\u0645 \u0641\u0648\u0631\u06cc \/ \u0648\u0627\u0645 \u0641\u0648\u0631\u06cc \u06cc\u06a9 \u0631\u0648\u0632\u0647<\/a><\/strong><\/p>\n

    \u0648\u0627\u0645 \u0641\u0648\u0631\u06cc \u0628\u0627\u0646\u06a9\u06cc \u0648 \u0627\u0646\u0648\u0627\u0639 \u062a\u0633\u0647\u06cc\u0644\u0627\u062a \u0628\u0627\u0646\u06a9\u06cc<\/a><\/strong><\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645   \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0628\u0627\u06cc\u062f \u0645\u0628\u0644\u063a \u0627\u0635\u0644 \u0648\u0627\u0645\u060c \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u0648 \u062a\u0639\u062f\u0627\u062f \u0627\u0642\u0633\u0627\u0637 \u0631\u0627 \u0645\u0634\u062e\u0635 \u06a9\u0646\u06cc\u062f \u062a\u0627 \u0628\u062a\u0648\u0627\u0646 \u0628\u0627 \u0641\u0631\u0645\u0648\u0644\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc \u0645\u06cc\u0632\u0627\u0646 \u0642\u0633\u0637 \u0645\u0627\u0647\u0627\u0646\u0647\u060c \u06a9\u0644 \u0633\u0648\u062f \u0648 \u0645\u0628\u0644\u063a \u06a9\u0644 \u0628\u0627\u0632\u067e\u0631\u062f\u0627\u062e\u062a \u0631\u0627 \u0628\u062f\u0633\u062a \u0622\u0648\u0631\u062f.   \u00a0\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u062f\u0631 \u062d\u0627\u0644\u062a \u0631\u0627\u06cc\u062c \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u0628\u0627\u0646\u06a9\u06cc (\u0648\u0627\u0645 \u0642\u0633\u0637 \u062b\u0627\u0628\u062a \u06cc\u0627 \u0631\u0648\u0634 \u067e\u0644\u06a9\u0627\u0646\u06cc \u0633\u0627\u062f\u0647)\u060c […]<\/p>\n","protected":false},"author":2,"featured_media":35435,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-35434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles"],"yoast_head":"\n\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645<\/title>\n<meta name=\"description\" content=\"\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u00a0\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u00a0\u0645\u062d\u0627\u0633\u0628\u0647 \u0648\u0627\u0645 \u0648 \u0627\u0642\u0633\u0627\u0637 \u0628\u0627 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0648 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0628\u0627 \u0646\u0631\u062e \u0645\u0631\u06a9\u0628 (\u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f\/\u0645\u0639\u0627\u062f\u0644\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/megashid.com\/?p=35434\" \/>\n<meta property=\"og:locale\" content=\"fa_IR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645\" \/>\n<meta property=\"og:description\" content=\"\u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u00a0\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u00a0\u0645\u062d\u0627\u0633\u0628\u0647 \u0648\u0627\u0645 \u0648 \u0627\u0642\u0633\u0627\u0637 \u0628\u0627 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0648 \u0642\u0631\u0636\u200c\u0627\u0644\u062d\u0633\u0646\u0647 \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0645 \u0628\u0627 \u0646\u0631\u062e \u0645\u0631\u06a9\u0628 (\u0641\u0631\u0645\u0648\u0644 \u062c\u062f\u06cc\u062f\/\u0645\u0639\u0627\u062f\u0644\" \/>\n<meta property=\"og:url\" content=\"https:\/\/megashid.com\/?p=35434\" \/>\n<meta property=\"og:site_name\" content=\"\u0645\u06af\u0627\u0634\u0640\u0640\u0640\u0640\u0640\u0640\u06cc\u062f - 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