{"id":21219,"date":"2023-05-20T18:32:18","date_gmt":"2023-05-23T15:06:34","guid":{"rendered":"https:\/\/bitpin.ir\/academy\/?p=21219"},"modified":"2024-01-23T14:30:51","modified_gmt":"2024-01-23T11:00:51","slug":"what-is-apr-and-apy","status":"publish","type":"post","link":"https:\/\/bitpin.ir\/academy\/what-is-apr-and-apy\/","title":{"rendered":"\u062a\u0641\u0627\u0648\u062a APY \u0648 APR \u0686\u06cc\u0633\u062a \u0648 \u0647\u0631\u06a9\u062f\u0627\u0645 \u0686\u0647 \u0645\u0641\u0647\u0648\u0645\u06cc \u062f\u0627\u0631\u0646\u062f\u061f"},"content":{"rendered":"<p>\u0627\u06af\u0631 \u0634\u0645\u0627 \u0647\u0645 \u0627\u0635\u0637\u0644\u0627\u062d\u0627\u062a <strong>APY \u0648 APR<\/strong> \u0631\u0627 \u0628\u0627 \u0647\u0645 \u0627\u0634\u062a\u0628\u0627\u0647 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u062f\u060c \u0637\u0628\u06cc\u0639\u06cc \u0627\u0633\u062a\u061b \u06cc\u0639\u0646\u06cc \u062f\u0631\u0648\u0627\u0642\u0639\u060c \u0628\u0627 \u0627\u06cc\u0646\u06a9\u0647 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a APY \u0648 APR \u062f\u0648 \u0645\u0641\u0647\u0648\u0645 \u06cc\u06a9\u0633\u0627\u0646 \u0628\u0647 \u0646\u0638\u0631 \u0628\u0631\u0633\u0646\u062f\u060c \u0627\u0645\u0627 \u06a9\u0627\u0645\u0644\u0627\u064b \u0645\u062a\u0641\u0627\u0648\u062a \u0647\u0633\u062a\u0646\u062f \u0648 \u062a\u0641\u0627\u0648\u062a\u200c\u0647\u0627\u06cc \u0645\u0639\u0646\u0627\u062f\u0627\u0631\u06cc \u0628\u0627 \u0647\u0645 \u062f\u0627\u0631\u0646\u062f. \u0647\u0631 \u062f\u0648\u060c APY \u0648 APR \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0645\u062d\u0635\u0648\u0644 \u0645\u0627\u0644\u06cc \u0645\u0639\u06cc\u0646\u06cc \u0631\u0627 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\u060c \u0627\u0645\u0627 \u0647\u0631 \u06a9\u062f\u0627\u0645 \u0628\u0627 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0646 \u0639\u0648\u0627\u0645\u0644 \u0645\u062e\u062a\u0644\u0641\u06cc\u060c \u0627\u06cc\u0646 \u0645\u062d\u0627\u0633\u0628\u0647 \u0631\u0627 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f\u061b \u0627\u0644\u0628\u062a\u0647 \u0627\u06cc\u0646 \u0645\u0641\u0627\u0647\u06cc\u0645 \u0622\u0646\u200c\u0642\u062f\u0631\u0647\u0627 \u0647\u0645 \u067e\u06cc\u0686\u06cc\u062f\u0647 \u0646\u06cc\u0633\u062a\u0646\u062f. \u062f\u0631 \u0627\u062f\u0627\u0645\u0647 \u0628\u0647 \u062c\u0648\u0627\u0628 \u0633\u0648\u0627\u0644 APY \u0648 APR \u0686\u06cc\u0633\u062a\u060c \u062e\u0648\u0627\u0647\u06cc\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u0648 \u0627\u062e\u062a\u0644\u0627\u0641 \u0628\u06cc\u0646 \u0627\u06cc\u0646 \u062f\u0648 \u0631\u0627 \u0634\u0631\u062d \u062e\u0648\u0627\u0647\u06cc\u0645 \u062f\u0627\u062f.<\/p>\n<p><strong>\u062e\u0644\u0627\u0635\u0647 \u0645\u0637\u0644\u0628<\/strong><\/p>\n<ul>\n<li>\u0627\u06cc \u067e\u06cc \u0622\u0631 (APR)\u060c \u0646\u0631\u062e \u0633\u0627\u0644\u0627\u0646\u0647\u200c\u0627\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06cc\u0627 \u0642\u0631\u0636 \u06af\u0631\u0641\u062a\u0646 \u067e\u0648\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n<li>\u0627\u06cc \u067e\u06cc \u0648\u0627\u06cc (APY) \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f\u060c \u0648 \u0647\u0631\u0686\u0647 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0647\u0631\u0647 \u0628\u06cc\u0634\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u062a\u0641\u0627\u0648\u062a \u0628\u06cc\u0646 APY \u0648 APR \u0646\u06cc\u0632 \u0628\u06cc\u0634\u062a\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/li>\n<li>\u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0639\u0645\u0648\u0645\u0627\u064b \u0628\u0647 \u062f\u0646\u0628\u0627\u0644 APY \u0647\u0633\u062a\u0646\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646 APR \u0631\u0627 \u062a\u0628\u0644\u06cc\u063a \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.<\/li>\n<\/ul>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-flat ez-toc-counter-rtl ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u0641\u0647\u0631\u0633\u062a \u0645\u0637\u0627\u0644\u0628<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1a1a1a;color:#1a1a1a\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1a1a1a;color:#1a1a1a\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bitpin.ir\/academy\/what-is-apr-and-apy\/#%d8%a7%db%8c-%d9%be%db%8c-%d8%a2%d8%b1-apr-%da%86%db%8c%d8%b3%d8%aa%d8%9f\" >\u0627\u06cc \u067e\u06cc \u0622\u0631 (APR) \u0686\u06cc\u0633\u062a\u061f<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bitpin.ir\/academy\/what-is-apr-and-apy\/#%d8%af%d8%b1%da%a9-%d9%85%d9%81%d9%87%d9%88%d9%85-%d8%a8%d9%87%d8%b1%d9%87-%d9%85%d8%b1%da%a9%d8%a8\" >\u062f\u0631\u06a9 \u0645\u0641\u0647\u0648\u0645 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bitpin.ir\/academy\/what-is-apr-and-apy\/#%d8%a7%db%8c-%d9%be%db%8c-%d9%88%d8%a7%db%8c-apy-%da%86%db%8c%d8%b3%d8%aa%d8%9f\" >\u0627\u06cc \u067e\u06cc \u0648\u0627\u06cc (APY) \u0686\u06cc\u0633\u062a\u061f<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bitpin.ir\/academy\/what-is-apr-and-apy\/#%d8%aa%d9%81%d8%a7%d9%88%d8%aa-%d8%a8%db%8c%d9%86-apy-%d9%88-apr-%da%86%db%8c%d8%b3%d8%aa%d8%9f\" >\u062a\u0641\u0627\u0648\u062a \u0628\u06cc\u0646 APY \u0648 APR \u0686\u06cc\u0633\u062a\u061f<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d8%a7%db%8c-%d9%be%db%8c-%d8%a2%d8%b1-apr-%da%86%db%8c%d8%b3%d8%aa%d8%9f\"><\/span><strong>\u0627\u06cc \u067e\u06cc \u0622\u0631 (APR) <\/strong><strong>\u0686\u06cc\u0633\u062a\u061f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"bs-shortcode-alert alert alert-simple\">\u06a9\u0644\u0645\u0647 APR \u0645\u062e\u0641\u0641 \u0639\u0628\u0627\u0631\u062a <strong>Annual Percentage Rate<\/strong> \u0627\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u0646 \u0631\u0627 \u00ab<strong>\u0646\u0631\u062e \u062f\u0631\u0635\u062f\u06cc \u0633\u0627\u0644\u0627\u0646\u0647<\/strong>\u00bb \u0645\u0639\u0646\u06cc \u06a9\u0631\u062f.<\/div>\n<p>\u0647\u0646\u06af\u0627\u0645\u06cc \u06a9\u0647 \u0628\u0631\u0627\u06cc \u06af\u0631\u0641\u062a\u0646 \u0648\u0627\u0645 \u0627\u0642\u062f\u0627\u0645 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f\u060c \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u0647 (\u0628\u0627\u0646\u06a9\u060c \u0645\u0648\u0633\u0633\u0647 \u0645\u0627\u0644\u06cc \u0648&#8230;) \u062f\u0631\u0635\u062f\u06cc \u0627\u0632 \u0645\u0628\u0644\u063a \u0627\u0635\u0644\u06cc \u0631\u0627 \u0627\u0632 \u0634\u0645\u0627 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0627\u06cc\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0634\u0646\u0627\u062e\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. APR \u0646\u06cc\u0632 \u0628\u0647 \u0646\u0648\u0639\u06cc \u0645\u0634\u0627\u0628\u0647 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0627\u0633\u062a\u061b \u0627\u0645\u0627 \u0628\u0627 \u0622\u0646 \u062a\u0641\u0627\u0648\u062a\u200c\u0647\u0627\u06cc \u0642\u0627\u0628\u0644\u200c\u062a\u0648\u062c\u0647\u06cc \u062f\u0627\u0631\u062f.<\/p>\n<p>\u0646\u0631\u062e \u0628\u0647\u0631\u0647\u060c \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u062f\u0631\u0635\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u0647 \u0628\u0631\u0627\u06cc \u0648\u0627\u0645 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f &#8211; \u06cc\u0627 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0648\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 APR \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u0645\u0628\u0644\u063a \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0647\u0631\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u0628\u0647 \u06cc\u06a9 \u0648\u0627\u0645 (\u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc) \u0627\u0633\u062a.<\/p>\n<p>\u0645\u06cc\u0632\u0627\u0646 APR \u0634\u0627\u0645\u0644 \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0645\u0631\u0628\u0648\u0637 \u0628\u0647 \u06af\u0631\u0641\u062a\u0646 \u0648\u0627\u0645 \u0646\u06cc\u0632 \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0631\u0642\u0645 \u0634\u0627\u0645\u0644 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0646\u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0646\u0631\u062e \u062f\u0648\u0631\u0647\u200c\u0627\u06cc \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f (\u06cc\u0639\u0646\u06cc \u0648\u0627\u0645\u200c\u06af\u06cc\u0631\u0646\u062f\u0647 \u0628\u0647\u0631\u0647\u200c\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0631\u0627 \u0645\u062c\u062f\u062f \u0633\u067e\u0631\u062f\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0646\u0645\u06cc\u200c\u06a9\u0646\u062f). \u062f\u0631 \u0648\u0627\u0642\u0639 APR \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0645\u0639\u0627\u062f\u0644 <strong>\u0646\u0631\u062e \u0628\u0647\u0631\u0647<\/strong> \u0633\u0627\u062f\u0647 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a.<\/p>\n<div class=\"bs-shortcode-alert alert alert-info\">\u0628\u06cc\u0634\u062a\u0631 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f:\u00a0<a href=\"https:\/\/bitpin.ir\/academy\/defi-lending-and-3-major-risk\/\">\u0642\u0635\u062f \u062f\u0627\u0631\u06cc\u062f \u0627\u0632 \u062f\u06cc\u0641\u0627\u06cc \u0648\u0627\u0645 \u0628\u06af\u06cc\u0631\u06cc\u062f\u061f \u06f3 \u062a\u0647\u062f\u06cc\u062f\u06cc \u06a9\u0647 \u0628\u0627\u06cc\u062f \u0628\u062f\u0627\u0646\u06cc\u062f<\/a><\/div>\n<p>\u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644 \u0627\u06af\u0631 \u0634\u0645\u0627 \u0645\u0628\u0644\u063a \u06f1\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0628\u0627 \u0646\u0631\u062e APR \u062f\u0647 \u062f\u0631\u0635\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06a9\u0646\u06cc\u062f\u060c \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u0627\u0648\u0644 \u06f1\u06f1 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u0648 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u062f\u0648\u0645 \u06f1\u06f2 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a. \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0634\u0645\u0627 \u0633\u0627\u0644\u0627\u0646\u0647 \u06f1\u06f0 \u062f\u0631\u0635\u062f \u0631\u0634\u062f \u062e\u0648\u0627\u0647\u062f \u062f\u0627\u0634\u062a.<\/p>\n<p>\u0639\u0644\u0627\u0648\u0647 \u0628\u0631 \u0627\u06cc\u0646\u060c \u0627\u0646\u0648\u0627\u0639 \u0645\u062e\u062a\u0644\u0641\u06cc \u0627\u0632 APR \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u062f\u060c \u0627\u0645\u0627 \u062f\u0648 \u0646\u0648\u0639 \u0631\u0627\u06cc\u062c \u0622\u0646 \u0634\u0627\u0645\u0644 APR \u0628\u0627 \u0646\u0631\u062e \u062b\u0627\u0628\u062a \u06cc\u0627 APR \u0628\u0627 \u0646\u0631\u062e \u0645\u062a\u063a\u06cc\u0631 \u0647\u0633\u062a\u0646\u062f. \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 APR \u0628\u0627 \u0646\u0631\u062e \u062b\u0627\u0628\u062a \u062f\u0631 \u0637\u0648\u0644 \u0645\u062f\u062a \u0648\u0627\u0645 \u0634\u0645\u0627 \u062b\u0627\u0628\u062a \u0645\u06cc\u200c\u0645\u0627\u0646\u062f\u060c APR \u0628\u0627 \u0646\u0631\u062e \u0645\u062a\u063a\u06cc\u0631 \u062b\u0627\u0628\u062a \u0646\u06cc\u0633\u062a. \u0627\u06cc\u0646 \u0646\u0648\u0639 APR \u0628\u0627 \u062a\u063a\u06cc\u06cc\u0631 <a href=\"https:\/\/bitpin.ir\/academy\/interest-rate\/\">\u0646\u0631\u062e \u0628\u0647\u0631\u0647<\/a> \u0634\u0627\u062e\u0635 \u0648\u0627\u0645 \u062a\u063a\u06cc\u06cc\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0631\u0627\u0628\u0637\u0647 \u0628\u06cc\u0646 \u0646\u0631\u062e \u0634\u0627\u062e\u0635 \u0648 APR \u0645\u0633\u062a\u0642\u06cc\u0645 \u0627\u0633\u062a\u060c \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0627\u06af\u0631 \u06cc\u06a9\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u06cc\u0627\u0628\u062f \u062f\u06cc\u06af\u0631\u06cc \u0646\u06cc\u0632 \u0627\u0641\u0632\u0627\u06cc\u0634 \u067e\u06cc\u062f\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n<p>\u0627\u0635\u0637\u0644\u0627\u062d APR \u0647\u0645 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc \u0648 \u0647\u0645 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0631\u0645\u0632\u0627\u0631\u0632\u0647\u0627 \u06a9\u0627\u0631\u0628\u0631\u062f \u062f\u0627\u0631\u062f\u061b \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0631\u0645\u0632\u0627\u0631\u0632\u0647\u0627 \u0646\u06cc\u0632 \u062f\u0642\u06cc\u0642\u0627\u064b \u0645\u0634\u0627\u0628\u0647 \u0628\u0627\u0632\u0627\u0631 \u0633\u0646\u062a\u06cc \u0627\u0633\u062a. \u0628\u0647 \u0627\u06cc\u0646 \u0635\u0648\u0631\u062a \u06a9\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u06cc\u0627 \u0648\u0627\u0645\u200c\u062f\u0647\u0646\u062f\u06af\u0627\u0646 \u0645\u0642\u062f\u0627\u0631\u06cc \u0633\u0648\u062f (\u0628\u0647\u0631\u0647) \u0645\u0634\u062e\u0635 \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06cc\u0627 \u062f\u0627\u062f\u0646 \u0648\u0627\u0645 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.<\/p>\n<p><strong>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u0628\u0644\u063a \u0646\u0647\u0627\u06cc\u06cc \u0628\u0631 \u0627\u0633\u0627\u0633 APR \u0627\u0632 \u0627\u06cc\u0646 \u0642\u0631\u0627\u0631 \u0627\u0633\u062a:<\/strong><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-21222 size-full\" src=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/1-1.jpg\" alt=\"\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 apr - \u062a\u0641\u0627\u0648\u062a APY \u0648 APR\" width=\"450\" height=\"100\" srcset=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/1-1.jpg 450w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/1-1-300x67.jpg 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/p>\n<p>\u06a9\u0647 \u062f\u0631 \u0627\u06cc\u0646\u062c\u0627 A \u0645\u0628\u0644\u063a \u0646\u0647\u0627\u06cc\u06cc\u060c P \u0645\u0639\u0627\u062f\u0644 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0627\u0648\u0644\u06cc\u0647 (\u06cc\u0627 \u0648\u0627\u0645)\u060c R \u0646\u0631\u062e \u0628\u0647\u0631\u0647 (\u0633\u0648\u062f) \u0648 T \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u0645\u062f\u062a\u200c\u0632\u0645\u0627\u0646 \u0627\u0633\u062a.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d8%af%d8%b1%da%a9-%d9%85%d9%81%d9%87%d9%88%d9%85-%d8%a8%d9%87%d8%b1%d9%87-%d9%85%d8%b1%da%a9%d8%a8\"><\/span><strong>\u062f\u0631\u06a9 \u0645\u0641\u0647\u0648\u0645 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0622\u0644\u0628\u0631\u062a \u0627\u0646\u06cc\u0634\u062a\u06cc\u0646 \u0627\u0632 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0628\u0632\u0631\u06af\u200c\u062a\u0631\u06cc\u0646 \u0627\u062e\u062a\u0631\u0627\u0639 \u0628\u0634\u0631 \u06cc\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0686\u0647 \u0628\u0627 \u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u0645\u0648\u0627\u0641\u0642 \u0628\u0627\u0634\u06cc\u062f \u06cc\u0627 \u0646\u0647\u060c \u0645\u0647\u0645 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0628\u062f\u0627\u0646\u06cc\u0645 \u0686\u06af\u0648\u0646\u0647 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc\u200c\u0647\u0627 \u0648 \u0648\u0627\u0645\u200c\u0647\u0627 \u0627\u0639\u0645\u0627\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n<p>\u062f\u0631 \u062a\u0639\u0631\u06cc\u0641\u06cc \u0633\u0627\u062f\u0647\u060c \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0647 \u06a9\u0633\u0628 \u06cc\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0648\u062f\u0650 \u0628\u0647\u0631\u0647 \u0642\u0628\u0644\u06cc\u060c \u0627\u0634\u0627\u0631\u0647 \u062f\u0627\u0631\u062f \u06a9\u0647 \u0628\u0647 \u0645\u0628\u0644\u063a \u0627\u0635\u0644\u06cc \u0633\u067e\u0631\u062f\u0647 \u06cc\u0627 \u0648\u0627\u0645 \u0627\u0636\u0627\u0641\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u061b \u0627\u06a9\u062b\u0631 \u0648\u0627\u0645\u200c\u0647\u0627 \u0627\u0632 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0628\u0647\u0631\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u062a\u0645\u0627\u06cc\u0644 \u062f\u0627\u0631\u0646\u062f <a href=\"https:\/\/bitpin.ir\/academy\/what-is-compound-interest-how-to-calculate\/\">\u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/a> \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0647 \u062d\u062f\u0627\u06a9\u062b\u0631\u060c \u062f\u0631 \u0639\u06cc\u0646 \u062d\u0627\u0644 \u0622\u0646 \u0631\u0627 \u062f\u0631 \u0648\u0627\u0645\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0628\u0647 \u062d\u062f\u0627\u0642\u0644 \u0628\u0631\u0633\u0627\u0646\u0646\u062f.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d8%a7%db%8c-%d9%be%db%8c-%d9%88%d8%a7%db%8c-apy-%da%86%db%8c%d8%b3%d8%aa%d8%9f\"><\/span><strong>\u0627\u06cc \u067e\u06cc \u0648\u0627\u06cc (APY) <\/strong><strong>\u0686\u06cc\u0633\u062a\u061f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"bs-shortcode-alert alert alert-simple\">\u0627\u06cc \u067e\u06cc \u0648\u0627\u06cc (APY) \u06a9\u0647 \u0645\u062e\u0641\u0641 \u0639\u0628\u0627\u0631\u062a <strong>Annual Percentage Yield<\/strong> \u0648 \u0628\u0647 \u0645\u0639\u0646\u06cc \u00ab<strong>\u0628\u0627\u0632\u062f\u0647\u06cc \u062f\u0631\u0635\u062f\u06cc \u0633\u0627\u0644\u0627\u0646\u0647<\/strong>\u00bb \u0627\u0633\u062a\u060c \u062a\u0631\u06a9\u06cc\u0628\u06cc \u0627\u0632 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0648 \u0646\u0631\u062e\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0628\u0647\u0631\u0647 \u0628\u0627 \u0622\u0646 \u062a\u0631\u06a9\u06cc\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/div>\n<p>\u062f\u0631 \u0642\u0633\u0645\u062a \u0642\u0628\u0644\u06cc \u062f\u0631 \u0645\u0648\u0631\u062f \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0635\u062d\u0628\u062a \u06a9\u0631\u062f\u06cc\u0645\u061b \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0627\u0633\u0627\u0633\u0627\u064b \u0633\u0648\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0634\u0645\u0627 \u0647\u0645 \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u0647 \u062e\u0648\u062f \u0648 \u0647\u0645 \u0627\u0632 \u0633\u0648\u062f \u0622\u0646\u060c \u0628\u0647 \u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u0648\u0631\u062f\u06cc\u062f\u061b \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0631\u0648\u0632\u0627\u0646\u0647\u060c \u0645\u0627\u0647\u0627\u0646\u0647\u060c \u0633\u0647\u200c\u0645\u0627\u0647\u0647 \u06cc\u0627 \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0627\u0634\u062f \u0648 \u0645\u0642\u062f\u0627\u0631 \u0628\u0647\u200c\u062f\u0633\u062a \u0622\u0645\u062f\u0647 \u0627\u0632 \u0622\u0646\u060c \u0628\u0647 \u0645\u0628\u0644\u063a \u0627\u0635\u0644\u06cc \u0633\u067e\u0631\u062f\u0647 \u06cc\u0627 \u0648\u0627\u0645 \u0634\u0645\u0627 \u0627\u0636\u0627\u0641\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0632\u0645\u0627\u0646\u06cc \u06a9\u0647 \u0635\u062d\u0628\u062a \u0627\u0632 APY \u0648 <strong>\u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628<\/strong> \u0645\u06cc\u200c\u0634\u0648\u062f \u062f\u0631 \u0648\u0627\u0642\u0639 \u0634\u0645\u0627 \u0627\u0632 \u0633\u0648\u062f (\u0628\u0647\u0631\u0647) \u06a9\u0633\u0628\u200c\u0634\u062f\u0647 \u0646\u06cc\u0632\u060c \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f.<\/p>\n<p>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APY \u0627\u0632 \u0627\u06cc\u0646 \u0642\u0631\u0627\u0631 \u0627\u0633\u062a:<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-21260\" src=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/2-1.jpg\" alt=\"\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 apy\" width=\"400\" height=\"100\" srcset=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/2-1.jpg 400w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/2-1-300x75.jpg 300w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644\u060c \u0646\u06a9\u062a\u0647 \u06a9\u0644\u06cc\u062f\u06cc \u062a\u0641\u0627\u0648\u062a APY \u0648 APR \u062f\u06cc\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f: \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u06a9\u06cc\u0628 (n) \u06a9\u0647 \u0628\u0647 \u0645\u0639\u0646\u06cc \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u0633\u0648\u062f \u062f\u0631 \u0633\u0627\u0644 \u0627\u0633\u062a.<\/p>\n<p>\u0628\u06cc\u0627\u06cc\u06cc\u062f \u0628\u0627 \u06cc\u06a9 \u0645\u062b\u0627\u0644 \u0627\u062f\u0627\u0645\u0647 \u062f\u0647\u06cc\u0645: \u0641\u0631\u0636 \u06a9\u0646\u06cc\u062f \u0634\u0645\u0627 \u0642\u0635\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u06f1\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646 \u067e\u0648\u0644 \u0631\u0627 \u062f\u0627\u0631\u06cc\u062f (\u06cc\u0627 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u062f \u0648\u0627\u0645 \u0628\u06af\u06cc\u0631\u06cc\u062f). \u0627\u06af\u0631 \u0645\u06cc\u0632\u0627\u0646 APR \u062f\u0647 \u062f\u0631\u0635\u062f \u0627\u0639\u0644\u0627\u0645 \u0634\u0648\u062f \u0648 \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062f\u0631 \u0633\u0627\u0644 \u06f2 \u0628\u0627\u0631 \u0628\u0627\u0634\u062f\u060c \u0645\u06cc\u0632\u0627\u0646 APY \u0628\u0627 \u062a\u0648\u062c\u0647 \u0628\u0647 \u0641\u0631\u0645\u0648\u0644 \u0628\u0627\u0644\u0627 \u06f1\u06f0\u066b\u06f2\u06f5 \u062f\u0631\u0635\u062f \u0645\u06cc\u200c\u0634\u0648\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0635\u0648\u0631\u062a \u0634\u0645\u0627 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u0627\u0648\u0644 \u06f1\u06f1\u066c\u06f0\u06f2\u06f5\u066c\u06f0\u06f0\u06f0 \u062a\u0648\u0645\u0627\u0646 \u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a. \u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u0631\u0627\u06cc \u0633\u0627\u0644 \u062f\u0648\u0645 \u0645\u06cc\u0632\u0627\u0646 APY \u062f\u0631 \u06a9\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0633\u0627\u0644 \u0627\u0648\u0644 (\u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 + \u0633\u0648\u062f) \u0636\u0631\u0628 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u062f\u0631 \u0627\u06cc\u0646 \u0645\u062b\u0627\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0634\u0645\u0627 \u06f1\u06f2\u066c\u06f1\u06f5\u06f5\u066c\u06f6\u06f2\u06f5 \u062a\u0648\u0645\u0627\u0646 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n<ul>\n<li><strong>\u0646\u06a9\u062a\u0647:<\/strong> \u0627\u06af\u0631 \u062f\u0648\u0631\u0647 \u062a\u0631\u06a9\u06cc\u0628 \u06cc\u0627 n\u060c \u06cc\u06a9\u0628\u0627\u0631 \u062f\u0631 \u0633\u0627\u0644 \u0628\u0627\u0634\u062f\u060c \u062f\u0631 \u0627\u06cc\u0646\u062c\u0627 APY \u0648 APR \u0628\u0631\u0627\u0628\u0631 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/li>\n<\/ul>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-21258\" src=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6.webp\" alt=\"\u062a\u0641\u0627\u0648\u062a apr \u0648 apy\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6.webp 1920w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6-300x169.webp 300w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6-1024x576.webp 1024w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6-768x432.webp 768w, https:\/\/bitpin.ir\/academy\/wp-content\/uploads\/2023\/05\/5LY5PZ5PI52ktWnCg6-1536x864.webp 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d8%aa%d9%81%d8%a7%d9%88%d8%aa-%d8%a8%db%8c%d9%86-apy-%d9%88-apr-%da%86%db%8c%d8%b3%d8%aa%d8%9f\"><\/span><strong>\u062a\u0641\u0627\u0648\u062a \u0628\u06cc\u0646 APY \u0648 APR <\/strong><strong>\u0686\u06cc\u0633\u062a\u061f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u062d\u062a\u0645\u0627\u064b \u062a\u0627 \u0627\u06cc\u0646\u062c\u0627 \u0645\u062a\u0648\u062c\u0647 \u0634\u062f\u0647\u200c\u0627\u06cc\u062f \u0647\u0631 \u062f\u0648 APY \u0648 APR \u062a\u0642\u0631\u06cc\u0628\u0627\u064b \u0645\u0641\u0627\u0647\u06cc\u0645 \u0645\u0634\u0627\u0628\u0647\u200c\u0627\u06cc \u0647\u0633\u062a\u0646\u062f\u061b \u0627\u0645\u0627 \u0646\u062a\u0627\u06cc\u062c \u0628\u0647 \u062f\u0633\u062a \u0622\u0645\u062f\u0647 \u0645\u062a\u0641\u0627\u0648\u062a \u0647\u0633\u062a\u0646\u062f\u060c \u0627\u0648\u0644\u06cc \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0631\u0627 \u0634\u0627\u0645\u0644 \u0646\u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 \u062f\u0648\u0645\u06cc \u0634\u0627\u0645\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u0631\u0632\u0634 APY \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u0633\u0648\u062f \u0633\u067e\u0631\u062f\u0647 (\u06cc\u0627 \u0648\u0627\u0645) \u0628\u0647 \u0627\u0636\u0627\u0641\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0627\u0633\u062a\u061b \u0627\u0632 \u0637\u0631\u0641 \u062f\u06cc\u06af\u0631 \u0627\u0631\u0632\u0634 APR \u0641\u0642\u0637 \u0634\u0627\u0645\u0644 \u0628\u0647\u0631\u0647 \u0648 \u06a9\u0627\u0631\u0645\u0632\u062f \u0645\u0631\u062a\u0628\u0637 \u0628\u0627 \u0648\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n<p>\u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0631\u0645\u0632\u0627\u0631\u0632\u0647\u0627 \u0648 \u0645\u062e\u0635\u0648\u0635\u0627\u064b \u062d\u0648\u0632\u0647 <a href=\"https:\/\/bitpin.ir\/academy\/decentralized-finance-defi\/\">\u062f\u06cc\u0641\u0627\u06cc<\/a> \u0628\u06cc\u0634\u062a\u0631 \u0627\u0632 APR \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0627\u06af\u0631 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u062f \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0631\u0627 \u0647\u0645 \u062f\u0631\u06cc\u0627\u0641\u062a \u06a9\u0646\u06cc\u062f \u0628\u0627\u06cc\u062f \u0627\u06cc\u0646 \u06a9\u0627\u0631 \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u062f\u0633\u062a\u06cc\u060c \u0627\u0632 \u062a\u0646\u0638\u06cc\u0645\u0627\u062a \u067e\u0644\u062a\u0641\u0631\u0645 \u0627\u0646\u062c\u0627\u0645 \u062f\u0647\u06cc\u062f. \u0644\u0627\u0632\u0645 \u0628\u0647 \u0630\u06a9\u0631 \u0627\u0633\u062a \u06a9\u0647 \u0627\u0628\u0632\u0627\u0631\u06cc \u0627\u062e\u06cc\u0631\u0627\u064b \u0628\u0647 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627 \u0628\u0647 \u0646\u0627\u0645 Auto-Compounding \u0627\u0636\u0627\u0641\u0647 \u0634\u062f\u0647 \u06a9\u0647 \u0628\u0647 \u0635\u0648\u0631\u062a \u062e\u0648\u062f\u06a9\u0627\u0631 \u0627\u06cc\u0646 \u06a9\u0627\u0631 \u0631\u0627 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u062f\u0647\u062f.<\/p>\n<h3><strong>\u06af\u0641\u062a\u0627\u0631 \u067e\u0627\u06cc\u0627\u0646\u06cc<\/strong><\/h3>\n<p>APY \u0627\u06cc\u062f\u0647 \u0631\u0648\u0634\u0646\u06cc \u0627\u0632 \u067e\u062a\u0627\u0646\u0633\u06cc\u0644 \u062f\u0631\u0622\u0645\u062f \u06cc\u06a9 \u062d\u0633\u0627\u0628 \u0627\u0631\u0627\u0626\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f. \u062f\u0631 \u0645\u0642\u0627\u0628\u0644 APR \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u06cc\u06a9 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631 \u0628\u0647 \u0627\u0632\u0627\u06cc \u0648\u0627\u0645 \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0686\u0647 \u0645\u0642\u062f\u0627\u0631 \u0628\u062f\u0647\u06a9\u0627\u0631 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n<p>\u0627\u0632 \u0622\u0646\u062c\u0627\u06cc\u06cc \u06a9\u0647 APY \u0645\u0628\u062a\u0646\u06cc \u0628\u0631 \u0646\u0631\u062e \u0633\u0627\u0644\u0627\u0646\u0647 \u0648 \u0634\u0627\u0645\u0644 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0627\u0633\u062a\u060c \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u06a9\u0631\u06cc\u067e\u062a\u0648 \u0628\u0647\u062a\u0631 \u0627\u0633\u062a\u061b \u0686\u0631\u0627 \u06a9\u0647 \u0646\u0645\u0627\u06cc\u0634 \u062f\u0642\u06cc\u0642\u200c\u062a\u0631\u06cc \u0627\u0632 \u0622\u0646\u0686\u0647 \u0628\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0648 \u0628\u0647\u0631\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0647 \u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u06cc\u062f\u060c \u0627\u0631\u0627\u0626\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n<p>\u062f\u0631\u06a9 \u0627\u06cc\u0646\u06a9\u0647 \u0622\u06cc\u0627 \u0628\u0647\u0631\u0647 \u062a\u0639\u06cc\u06cc\u0646 \u0634\u062f\u0647 \u0628\u0631 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