{"id":18902,"date":"2026-04-15T18:24:07","date_gmt":"2026-04-15T13:54:07","guid":{"rendered":"https:\/\/sarmayex.com\/college\/?p=18902"},"modified":"2026-04-20T12:54:18","modified_gmt":"2026-04-20T08:24:18","slug":"apr-apy","status":"publish","type":"post","link":"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/","title":{"rendered":"APR \u0648 APY \u0686\u06cc\u0633\u062a\u061f \u0628\u0631\u0631\u0633\u06cc \u062a\u0641\u0627\u0648\u062a \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0648 \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-right counter-hierarchy ez-toc-counter-rtl ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">\u0641\u0647\u0631\u0633\u062a \u0645\u0642\u0627\u0644\u0647<\/p>\n<span 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href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%A8%D9%87%D8%AA%D8%B1%DB%8C%D9%86_%D8%A7%D8%A8%D8%B2%D8%A7%D8%B1_%D9%88_%D8%B3%D8%A7%DB%8C%D8%AA_%D8%A8%D8%B1%D8%A7%DB%8C_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D9%86%D8%B1%D8%AE%E2%80%8C%D9%87%D8%A7%DB%8C_APR_%D9%88_APY\" >\u0628\u0647\u062a\u0631\u06cc\u0646 \u0627\u0628\u0632\u0627\u0631 \u0648 \u0633\u0627\u06cc\u062a \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc APR \u0648 APY<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%B3%D8%A7%DB%8C%D8%AA%E2%80%8C%D9%87%D8%A7%DB%8C_%D8%AA%D8%AC%D9%85%DB%8C%D8%B9%E2%80%8C%DA%AF%D8%B1\" >\u0633\u0627\u06cc\u062a\u200c\u0647\u0627\u06cc \u062a\u062c\u0645\u06cc\u0639\u200c\u06af\u0631<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%B5%D8%B1%D8%A7%D9%81%DB%8C%E2%80%8C%D9%87%D8%A7%DB%8C_%D8%AE%D8%A7%D8%B1%D8%AC%DB%8C\" >\u0635\u0631\u0627\u0641\u06cc\u200c\u0647\u0627\u06cc \u062e\u0627\u0631\u062c\u06cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%B5%D8%B1%D8%A7%D9%81%DB%8C_%D8%B3%D8%B1%D9%85%D8%A7%DB%8C%DA%A9%D8%B3\" >\u0635\u0631\u0627\u0641\u06cc \u0633\u0631\u0645\u0627\u06cc\u06a9\u0633<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D9%85%D8%A7%D8%B4%DB%8C%D9%86_%D8%AD%D8%B3%D8%A7%D8%A8_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D8%B3%D9%88%D8%AF\" >\u0645\u0627\u0634\u06cc\u0646 \u062d\u0633\u0627\u0628 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%DA%86%DA%A9%E2%80%8C%D9%84%DB%8C%D8%B3%D8%AA_%D8%A7%D9%86%D8%AA%D8%AE%D8%A7%D8%A8_%D9%81%D8%B1%D8%B5%D8%AA_%D8%A7%D8%B3%D8%AA%DB%8C%DA%A9%DB%8C%D9%86%DA%AF_%DA%86%DA%AF%D9%88%D9%86%D9%87_%D9%86%D8%B1%D8%AE%E2%80%8C%D9%87%D8%A7_%D8%B1%D8%A7_%D8%AF%D8%B1%D8%B3%D8%AA_%D9%85%D9%82%D8%A7%DB%8C%D8%B3%D9%87_%DA%A9%D9%86%DB%8C%D9%85%D8%9F\" >\u0686\u06a9\u200c\u0644\u06cc\u0633\u062a \u0627\u0646\u062a\u062e\u0627\u0628 \u0641\u0631\u0635\u062a \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af: \u0686\u06af\u0648\u0646\u0647 \u0646\u0631\u062e\u200c\u0647\u0627 \u0631\u0627 \u062f\u0631\u0633\u062a \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0646\u06cc\u0645\u061f<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%DA%AF%D8%A7%D9%85_%D8%A7%D9%88%D9%84_%D8%A8%D8%B1%D8%B1%D8%B3%DB%8C_%D8%AA%D9%88%D8%B1%D9%85_%D8%B0%D8%A7%D8%AA%DB%8C_%D8%AA%D9%88%DA%A9%D9%86\" >\u06af\u0627\u0645 \u0627\u0648\u0644: \u0628\u0631\u0631\u0633\u06cc \u062a\u0648\u0631\u0645 \u0630\u0627\u062a\u06cc \u062a\u0648\u06a9\u0646<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%DA%AF%D8%A7%D9%85_%D8%AF%D9%88%D9%85_%D8%AF%D9%88%D8%B1%D9%87_%D9%82%D9%81%D9%84%E2%80%8C%D8%B4%D8%AF%D9%86_%D8%AF%D8%A7%D8%B1%D8%A7%DB%8C%DB%8C\" >\u06af\u0627\u0645 \u062f\u0648\u0645: \u062f\u0648\u0631\u0647 \u0642\u0641\u0644\u200c\u0634\u062f\u0646 \u062f\u0627\u0631\u0627\u06cc\u06cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%DA%AF%D8%A7%D9%85_%D8%B3%D9%88%D9%85_%D8%A7%D8%B9%D8%AA%D8%A8%D8%A7%D8%B1_%D9%BE%D9%84%D8%AA%D9%81%D8%B1%D9%85_%DB%8C%D8%A7_%D9%88%D9%84%DB%8C%D8%AF%DB%8C%D8%AA%D9%88%D8%B1\" >\u06af\u0627\u0645 \u0633\u0648\u0645: \u0627\u0639\u062a\u0628\u0627\u0631 \u067e\u0644\u062a\u0641\u0631\u0645 \u06cc\u0627 \u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%AC%D9%85%D8%B9%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C\" >\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/sarmayex.com\/college\/learn\/apr-apy\/#%D8%B3%D8%A4%D8%A7%D9%84%D8%A7%D8%AA_%D9%85%D8%AA%D8%AF%D8%A7%D9%88%D9%84\" >\u0633\u0624\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>APR \u0648 APR \u062f\u0648 \u0645\u0639\u06cc\u0627\u0631 \u0645\u0647\u0645 \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0648 \u062f\u0631\u0622\u0645\u062f \u062d\u0627\u0635\u0644 \u0627\u0632 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0648 \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u062f\u06cc\u0641\u0627\u06cc \u062f\u0631 \u062f\u0646\u06cc\u0627\u06cc \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0647\u0633\u062a\u0646\u062f. \u0627\u06cc\u0646 \u0646\u0631\u062e\u200c\u0647\u0627\u060c \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0648 \u0645\u0631\u06a9\u0628 \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f\u061b \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u062f\u0631\u06a9 \u06a9\u0627\u0645\u0644 \u062a\u0641\u0627\u0648\u062a APR \u0648 APY \u0628\u0631\u0627\u06cc \u0645\u0648\u0641\u0642\u06cc\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u200c\u0628\u0633\u06cc\u0627\u0631 \u062d\u06cc\u0627\u062a\u06cc \u0648 \u062a\u0639\u06cc\u06cc\u0646\u200c\u06a9\u0646\u0646\u062f\u0647 \u0627\u0633\u062a. \u0634\u0645\u0627 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631 \u0647\u0648\u0634\u0645\u0646\u062f\u060c \u0628\u0627\u06cc\u062f \u0628\u062f\u0627\u0646\u06cc\u062f \u06a9\u0647 \u0647\u0631 \u06a9\u062f\u0627\u0645 \u0627\u0632 \u0627\u06cc\u0646 \u0646\u0631\u062e\u200c\u0647\u0627 \u0686\u0647 \u0645\u0639\u0646\u0627\u06cc\u06cc \u062f\u0627\u0631\u0646\u062f \u0648 \u0686\u06af\u0648\u0646\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0634\u0646\u0627\u062e\u062a \u0641\u0631\u0642 \u0628\u06cc\u0646 \u0646\u0631\u062e APR \u0648 APY \u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9 \u0648 \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0628\u0647 \u0634\u0645\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u062a\u0627 \u0628\u0647\u062a\u0631\u06cc\u0646 \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627 \u0631\u0627 \u0628\u0627 \u0686\u0634\u0645\u0627\u0646\u06cc \u0628\u0627\u0632 \u0627\u0646\u062a\u062e\u0627\u0628 \u06a9\u0646\u06cc\u062f. <\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0645\u0637\u0644\u0628\u060c \u0646\u062d\u0648\u0647 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648 \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0648 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0631\u0627 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0639\u0645\u0644\u06cc \u06cc\u0627\u062f \u062e\u0648\u0627\u0647\u06cc\u062f \u06af\u0631\u0641\u062a. \u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u0631\u0631\u0633\u06cc \u062e\u0648\u0627\u0647\u06cc\u0645 \u06a9\u0631\u062f \u06a9\u0647 \u062f\u0631 \u0634\u0631\u0627\u06cc\u0637 \u0645\u062e\u062a\u0644\u0641 \u0628\u0627\u0632\u0627\u0631\u060c \u06a9\u062f\u0627\u0645 \u0646\u0631\u062e \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0645\u0639\u06cc\u0627\u0631 \u0628\u0647\u062a\u0631\u06cc \u0628\u0631\u0627\u06cc \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc \u0634\u0645\u0627 \u0628\u0627\u0634\u062f. \u0647\u062f\u0641 \u0645\u0627 \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0634\u0645\u0627 \u0631\u0627 \u0628\u0647 \u06cc\u06a9 \u062a\u062d\u0644\u06cc\u0644\u06af\u0631 \u0645\u0633\u062a\u0642\u0644 \u062f\u0631 \u0632\u0645\u06cc\u0646\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0631\u0622\u0645\u062f\u0647\u0627\u06cc \u062d\u0648\u0632\u0647 \u06a9\u0631\u06cc\u067e\u062a\u0648 \u062a\u0628\u062f\u06cc\u0644 \u06a9\u0646\u06cc\u0645. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0646\u0631\u062e-apr-\u06cc\u0627-\u0633\u0648\u062f-\u0633\u0627\u062f\u0647-\u0686\u06cc\u0633\u062a\u061f\"><span class=\"ez-toc-section\" id=\"APR_%DB%8C%D8%A7_%D8%B3%D9%88%D8%AF_%D8%B3%D8%A7%D8%AF%D9%87_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\"><\/span>APR \u06cc\u0627 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0686\u06cc\u0633\u062a\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APR \u0645\u062e\u0641\u0641 \u0639\u0628\u0627\u0631\u062a \u0645\u062e\u0641\u0641 \u00abAnnual Percentage Rate\u00bb \u0628\u0647\u200c\u0645\u0639\u0646\u0627\u06cc \u00ab\u0646\u0631\u062e \u062f\u0631\u0635\u062f\u06cc \u0633\u0627\u0644\u0627\u0646\u0647\u00bb \u0627\u0633\u062a \u06a9\u0647 \u0633\u0648\u062f \u067e\u0627\u06cc\u0647 \u0648 \u0633\u0627\u062f\u0647 \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f. \u0627\u06cc\u0646 \u0646\u0631\u062e \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0627\u0632 \u0637\u0631\u06cc\u0642 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u06cc\u0627 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc\/\u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u062f\u0631 \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u062f\u06cc\u0641\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u062f\u0627\u0631\u062f. <\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0631\u0648\u0634\u060c \u067e\u0627\u062f\u0627\u0634 \u062a\u0646\u0647\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u0633\u0648\u062f\u0647\u0627\u06cc \u0642\u0628\u0644\u06cc \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0627\u062a \u062c\u062f\u06cc\u062f \u0646\u0642\u0634\u06cc \u0646\u062f\u0627\u0631\u0646\u062f. \u0628\u0647 \u0632\u0628\u0627\u0646 \u0633\u0627\u062f\u0647:<\/p>\n\n\n\n<p class=\"has-pale-cyan-blue-background-color has-background\">APR \u062f\u0631\u0635\u062f \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u062a\u0642\u0631\u06cc\u0628\u06cc \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0627\u0632\u0627\u06cc \u0645\u0642\u062f\u0627\u0631 \u0645\u0634\u062e\u0635\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647 \u062f\u0631 \u0637\u0648\u0644 \u06cc\u06a9 \u0633\u0627\u0644 \u06a9\u0627\u0645\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f.<\/p>\n\n\n\n<p>\u0633\u06cc\u0633\u062a\u0645 \u0633\u0648\u062f\u062f\u0647\u06cc \u0633\u0627\u062f\u0647 \u0628\u0647\u200c\u062f\u0644\u06cc\u0644 \u0634\u0641\u0627\u0641\u06cc\u062a \u0628\u0627\u0644\u0627\u060c \u062f\u0631 \u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u0633\u0646\u062a\u06cc \u0648 \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627\u06cc \u0646\u0648\u067e\u0627\u06cc \u0628\u0644\u0627\u06a9 \u0686\u06cc\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0648\u0642\u062a\u06cc \u0634\u0645\u0627 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0627 \u0627\u06cc\u0646 \u0646\u0631\u062e \u0642\u0641\u0644 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f\u060c \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062c\u062f\u0627\u06af\u0627\u0646\u0647 \u062f\u0631 <a href=\"https:\/\/sarmayex.com\/college\/learn\/wallet\/what-is-digital-currency-wallet\/\" type=\"post\" id=\"6709\" target=\"_blank\" rel=\"noreferrer noopener\">\u06a9\u06cc\u0641 \u067e\u0648\u0644 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644<\/a> \u0634\u0645\u0627 \u0630\u062e\u06cc\u0631\u0647 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0627\u06cc\u0646 \u06cc\u0639\u0646\u06cc \u0633\u0648\u062f\u0647\u0627\u06cc \u062a\u0648\u0644\u06cc\u062f\u0634\u062f\u0647\u060c \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062e\u0648\u062f\u06a9\u0627\u0631 \u0628\u0647 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u062a\u0627\u0646 \u0627\u0636\u0627\u0641\u0647 \u0646\u062e\u0648\u0627\u0647\u0646\u062f \u0634\u062f. \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u062f\u0631\u0622\u0645\u062f \u0631\u0648\u0632\u0627\u0646\u0647 \u06cc\u0627 \u0645\u0627\u0647\u0627\u0646\u0647 \u0634\u0645\u0627 \u062f\u0631 \u0637\u0648\u0644 \u062f\u0648\u0631\u0647 \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0647\u0645\u06cc\u0634\u0647 \u06cc\u06a9 \u0645\u0642\u062f\u0627\u0631 \u062b\u0627\u0628\u062a \u0648 \u0627\u0632\u067e\u06cc\u0634 \u062a\u0639\u06cc\u06cc\u0646\u200c\u0634\u062f\u0647 \u0628\u0627\u0642\u06cc \u0645\u06cc\u200c\u0645\u0627\u0646\u062f. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u0641\u0631\u0645\u0648\u0644-\u0645\u062d\u0627\u0633\u0628\u0647-apr\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%D9%85%D9%88%D9%84_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_APR\"><\/span>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APR<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APR \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0632\u06cc\u0631 \u0627\u0633\u062a: <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"567\" src=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apr-formula.webp\" alt=\"\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APR\" class=\"wp-image-18916\" srcset=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apr-formula.webp 1024w, https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apr-formula-768x425.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Interest: \u0633\u0648\u062f \u06a9\u0644 \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u062f\u0631 \u0637\u0648\u0644 \u062f\u0648\u0631\u0647 \u0648\u0627\u0645<\/li>\n\n\n\n<li>Principal: \u0645\u0642\u062f\u0627\u0631 \u0648\u0627\u0645<\/li>\n\n\n\n<li>n: \u062a\u0639\u062f\u0627\u062f \u0631\u0648\u0632 \u062f\u0648\u0631\u0647 \u0648\u0627\u0645<\/li>\n\n\n\n<li>Fee: \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0645\u0636\u0627\u0639\u0641 \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u0647\u0646\u06af\u0627\u0645 \u062f\u0631\u06cc\u0627\u0641\u062a \u0648\u0627\u0645<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0641\u0631\u0645\u0648\u0644-\u0645\u062d\u0627\u0633\u0628\u0647-\u0633\u0648\u062f-\u0627\u0632-\u0631\u0648\u06cc-apr\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%D9%85%D9%88%D9%84_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D8%B3%D9%88%D8%AF_%D8%A7%D8%B2_%D8%B1%D9%88%DB%8C_APR\"><\/span>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0627\u0632 \u0631\u0648\u06cc APR<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0646\u0647\u0627\u06cc\u06cc \u0628\u0631\u0627\u0633\u0627\u0633 APR\u060c \u06a9\u0627\u0641\u06cc \u0627\u0633\u062a \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u062e\u0648\u062f \u0631\u0627 \u062f\u0631 \u0646\u0631\u062e \u062f\u0631\u0635\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u0636\u0631\u0628 \u06a9\u0646\u06cc\u062f. \u0633\u067e\u0633 \u0639\u062f\u062f \u0628\u0647\u200c\u062f\u0633\u062a\u200c\u0622\u0645\u062f\u0647 \u0631\u0627 \u0628\u0627\u06cc\u062f \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u062f\u062a \u0632\u0645\u0627\u0646 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062e\u0648\u062f\u060c \u0628\u0647 \u0631\u0648\u0632 \u06cc\u0627 \u0645\u0627\u0647 \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0646\u06cc\u062f. \u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0627\u0632 \u0637\u0631\u06cc\u0642 \u0646\u0631\u062e APR \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0632\u06cc\u0631 \u0627\u0633\u062a:<\/p>\n\n\n\n<p class=\"has-text-align-center has-pale-cyan-blue-background-color has-background\">A = P (1 + r \u00d7 t)<\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 \u06a9\u0647 \u062f\u0631 \u0648\u0627\u0642\u0639 \u0647\u0645\u0627\u0646 \u0641\u0631\u0645\u0648\u0644 \u0628\u0647\u0631\u0647 \u0633\u0627\u062f\u0647 \u0627\u0633\u062a: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A: \u062f\u0631\u0622\u0645\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u06a9\u0644 \u0634\u0645\u0627<\/li>\n\n\n\n<li>P: \u0633\u0631\u0645\u0627\u06cc\u0647 \u062a\u0623\u0645\u06cc\u0646\u200c\u0634\u062f\u0647 \u0627\u0648\u0644\u06cc\u0647<\/li>\n\n\n\n<li>r: \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 APR<\/li>\n\n\n\n<li>t: \u0632\u0645\u0627\u0646 (\u0628\u0631\u062d\u0633\u0628 \u0633\u0627\u0644)<\/li>\n<\/ul>\n\n\n\n<p>\u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644 \u0634\u0641\u0627\u0641 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u062f\u0642\u06cc\u0642\u0627\u064b \u0686\u0647 \u0645\u0642\u062f\u0627\u0631 \u062a\u0648\u06a9\u0646 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u062f\u0648\u0631\u0647 \u0628\u0647 \u062d\u0633\u0627\u0628\u200c\u062a\u0627\u0646 \u0648\u0627\u0631\u06cc\u0632 \u062e\u0648\u0627\u0647\u062f \u0634\u062f. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D9%85%D8%AB%D8%A7%D9%84_%D8%B9%D8%AF%D8%AF%DB%8C_%D8%B3%D8%A7%D8%AF%D9%87\"><\/span>\u0645\u062b\u0627\u0644 \u0639\u062f\u062f\u06cc \u0633\u0627\u062f\u0647<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644\u060c \u06f1\u06f0\u06f0 \u0648\u0627\u062d\u062f \u0627\u062a\u0631\u06cc\u0648\u0645 \u0628\u0627 \u0646\u0631\u062e \u06f5\u066a APR\u060c \u067e\u0633 \u0627\u0632 \u06cc\u06a9 \u0633\u0627\u0644 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u06cc\u0627 \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u0622\u0646 \u0628\u0647 \u062f\u06cc\u06af\u0631\u0627\u0646\u060c \u06f5 \u0648\u0627\u062d\u062f \u0627\u062a\u0631\u06cc\u0648\u0645 \u0633\u0648\u062f \u0627\u06cc\u062c\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f \u0648 \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0634\u0645\u0627 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u062f\u0648\u0631\u0647 \u06f1\u06f0\u06f5 \u0648\u0627\u062d\u062f \u0627\u062a\u0631 \u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a. \u062d\u0627\u0644 \u0627\u06af\u0631 \u0628\u0631\u0627\u06cc \u06cc\u06a9 \u0633\u0627\u0644 \u062f\u06cc\u06af\u0631 \u0646\u06cc\u0632 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062e\u0648\u062f \u0631\u0627 \u0648\u0627\u0645 \u062f\u0647\u06cc\u062f \u06cc\u0627 \u0627\u0633\u062a\u06cc\u06a9 \u06a9\u0646\u06cc\u062f\u060c \u0646\u0631\u062e \u06f5\u066a APR \u0641\u0642\u0637 \u0628\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 \u0627\u0639\u0645\u0627\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0646\u0647 \u0628\u0631 \u0645\u062c\u0645\u0648\u0639 \u06f1\u06f0\u06f0 \u0648\u0627\u062d\u062f \u0628\u0647\u200c\u0639\u0644\u0627\u0648\u0647 \u0633\u0648\u062f \u0633\u0627\u0644 \u0627\u0648\u0644. \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u062f\u0648\u0645\u060c \u0634\u0645\u0627 \u06f1\u06f1\u06f0 \u0648\u0627\u062d\u062f \u0633\u0631\u0645\u0627\u06cc\u0647 \u06a9\u0644 (\u06f5 \u0648\u0627\u062d\u062f \u0633\u0648\u062f \u062f\u06cc\u06af\u0631 \u0631\u0648\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 \u06f1\u06f0\u06f0 \u0627\u062a\u0631\u06cc\u0648\u0645\u06cc) \u062e\u0648\u0627\u0647\u06cc\u062f \u062f\u0627\u0634\u062a. <\/p>\n\n\n\n<p>\u0627\u0632\u0622\u0646\u062c\u0627\u06a9\u0647 APR \u06cc\u06a9 \u0646\u0631\u062e \u00ab\u0633\u0627\u0644\u0627\u0646\u0647\u200c\u0633\u0627\u0632\u06cc\u200c\u0634\u062f\u0647\u00bb \u0627\u0633\u062a\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u062f\u0631\u0622\u0645\u062f\u0647\u0627\u06cc \u0632\u06cc\u0631 \u06cc\u06a9 \u0633\u0627\u0644 \u06a9\u0627\u0645\u0644 \u0646\u06cc\u0632 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0634\u0648\u062f. \u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644\u060c \u0627\u0633\u062a\u06cc\u06a9 \u06a9\u0631\u062f\u0646 \u06f1\u06f0\u06f0 \u0648\u0627\u062d\u062f \u0627\u062a\u0631\u06cc\u0648\u0645 \u0628\u0647\u200c\u0645\u062f\u062a \u0634\u0634 \u0645\u0627\u0647 \u0628\u0627 \u0646\u0631\u062e \u06f5\u066a APR\u060c \u0628\u0627\u0632\u062f\u0647\u06cc \u06f2.\u06f5 \u062f\u0631\u0635\u062f\u06cc \u06cc\u0627 \u06f2.\u06f5 \u0648\u0627\u062d\u062f ETH \u0628\u0631\u0627\u06cc \u0634\u0645\u0627 \u0628\u0647\u200c\u0647\u0645\u0631\u0627\u0647 \u062e\u0648\u0627\u0647\u062f \u062f\u0627\u0634\u062a. \u0628\u0647 \u0627\u06cc\u0646 \u0631\u0648\u0634 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f\u060c \u00ab\u0628\u0647\u200c\u062a\u0646\u0627\u0633\u0628 \u0632\u0645\u0627\u0646 (pro rata)\u00bb \u06af\u0641\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0646\u0631\u062e-apy-\u06cc\u0627-\u0633\u0648\u062f-\u0645\u0631\u06a9\u0628-\u0686\u06cc\u0633\u062a\u061f\"><span class=\"ez-toc-section\" id=\"APY_%DB%8C%D8%A7_%D8%B3%D9%88%D8%AF_%D9%85%D8%B1%DA%A9%D8%A8_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\"><\/span>APY \u06cc\u0627 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0686\u06cc\u0633\u062a\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>APY \u0645\u062e\u0641\u0641 \u00abAnnual Percentage Yield\u00bb \u0628\u0647\u200c\u0645\u0639\u0646\u0627\u06cc \u00ab\u0628\u0627\u0632\u062f\u0647 \u062f\u0631\u0635\u062f\u06cc \u0633\u0627\u0644\u0627\u0646\u0647\u00bb \u0627\u0633\u062a \u06a9\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 <strong>\u0633\u0648\u062f \u0645\u0631\u06a9\u0628<\/strong> \u06a9\u0627\u0631 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u0633\u06cc\u0633\u062a\u0645\u060c \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0634\u0645\u0627 \u0645\u062c\u062f\u062f\u0627\u064b \u0628\u0647 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0636\u0627\u0641\u0647 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f \u0648 \u062f\u0631 \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u0628\u0639\u062f\u06cc\u060c \u062e\u0648\u062f\u0634\u0627\u0646 \u0646\u06cc\u0632 \u0633\u0648\u062f \u062a\u0648\u0644\u06cc\u062f \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0627\u06cc\u0646 \u0641\u0631\u0627\u06cc\u0646\u062f \u0628\u0627\u0639\u062b \u0645\u06cc\u200c\u0634\u0648\u062f \u062a\u0627 \u0631\u0634\u062f \u062f\u0627\u0631\u0627\u06cc\u06cc \u0634\u0645\u0627 \u062f\u0631 \u0637\u0648\u0644 \u0632\u0645\u0627\u0646 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062a\u0635\u0627\u0639\u062f\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u06cc\u0627\u0628\u062f. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%DA%A9%D8%A7%D9%86%D8%B3_%D8%AA%D8%B1%DA%A9%DB%8C%D8%A8\"><\/span>\u0641\u0631\u06a9\u0627\u0646\u0633 \u062a\u0631\u06a9\u06cc\u0628<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0641\u0627\u0647\u06cc\u0645 \u06a9\u0644\u06cc\u062f\u06cc \u06a9\u0647 \u062f\u0631 \u0627\u06cc\u0646 \u0628\u062e\u0634 \u0628\u0627\u06cc\u062f \u0628\u0634\u0646\u0627\u0633\u06cc\u062f\u060c \u0641\u0631\u06a9\u0627\u0646\u0633 \u06cc\u0627 \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 (Compounding Frequency) \u0627\u0633\u062a. \u0627\u06cc\u0646 \u0645\u062a\u063a\u06cc\u0631 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u06cc \u0634\u0645\u0627 \u062f\u0631 \u0686\u0647 \u0628\u0627\u0632\u0647\u200c\u0647\u0627\u06cc \u0632\u0645\u0627\u0646\u06cc \u0628\u0647 \u0627\u0635\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0636\u0627\u0641\u0647 \u0648 \u062a\u0631\u06a9\u06cc\u0628 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0627\u06cc\u0646 \u062a\u0631\u06a9\u06cc\u0628 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0631\u0648\u0632\u0627\u0646\u0647\u060c \u0647\u0641\u062a\u06af\u06cc\u060c \u0645\u0627\u0647\u0627\u0646\u0647 \u06cc\u0627 \u062d\u062a\u06cc \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u067e\u06cc\u0648\u0633\u062a\u0647 \u062f\u0631 \u0647\u0631 \u062b\u0627\u0646\u06cc\u0647 \u0627\u0646\u062c\u0627\u0645 \u0634\u0648\u062f. \u0647\u0631\u0686\u0647 \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062f\u0631 \u0637\u0648\u0644 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u06cc\u0634\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u0633\u0648\u062f \u0646\u0647\u0627\u06cc\u06cc \u0634\u0645\u0627 \u0646\u06cc\u0632 \u0627\u0641\u0632\u0627\u06cc\u0634 \u062e\u0648\u0627\u0647\u062f \u06cc\u0627\u0641\u062a. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u0641\u0631\u0645\u0648\u0644-\u0645\u062d\u0627\u0633\u0628\u0647-apy\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%D9%85%D9%88%D9%84_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_APY\"><\/span>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APY<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0645\u062d\u0627\u0633\u0628\u0647 APY \u06a9\u0645\u06cc \u067e\u06cc\u0686\u06cc\u062f\u0647\u200c\u062a\u0631 \u0627\u0632 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0627\u0633\u062a\u060c \u0632\u06cc\u0631\u0627 \u0645\u062a\u063a\u06cc\u0631 \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062f\u0631 \u0622\u0646 \u0646\u0642\u0634 \u0627\u0633\u0627\u0633\u06cc \u0627\u06cc\u0641\u0627 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 APY \u0628\u0627\u06cc\u062f \u0627\u0628\u062a\u062f\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u0631\u0627 \u0628\u0631 \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062a\u0642\u0633\u06cc\u0645 \u06a9\u0631\u062f\u0647 \u0648 \u0633\u067e\u0633 \u0639\u062f\u062f \u0628\u0647 \u062f\u0633\u062a\u200c\u0622\u0645\u062f\u0647 \u0631\u0627 \u0628\u0627 \u06f1 \u062c\u0645\u0639 \u0648 \u06a9\u0644 \u0622\u0646 \u0631\u0627 \u0628\u0647 \u062a\u0648\u0627\u0646 \u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062f\u0631 \u0633\u0627\u0644 \u0628\u0631\u0633\u0627\u0646\u06cc\u062f. \u062f\u0631 \u0646\u0647\u0627\u06cc\u062a\u060c \u0628\u0627 \u06a9\u0633\u0631 \u0639\u062f\u062f \u062d\u0627\u0635\u0644 \u0627\u0632 \u06f1\u060c \u062f\u0631\u0635\u062f \u062f\u0642\u06cc\u0642 \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0627 \u0627\u062d\u062a\u0633\u0627\u0628 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0628\u0647\u200c\u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u06cc\u062f:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"443\" src=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apy_formula.webp\" alt=\"\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 APY\" class=\"wp-image-18919\" srcset=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apy_formula.webp 1024w, https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/apy_formula-768x332.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>r: \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 APR<\/li>\n\n\n\n<li>n: \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0633\u0627\u0644<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0641\u0631\u0645\u0648\u0644-\u0645\u062d\u0627\u0633\u0628\u0647-\u0633\u0648\u062f-\u0627\u0632-\u0631\u0648\u06cc-apy\"><span class=\"ez-toc-section\" id=\"%D9%81%D8%B1%D9%85%D9%88%D9%84_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D8%B3%D9%88%D8%AF_%D8%A7%D8%B2_%D8%B1%D9%88%DB%8C_APY\"><\/span>\u0641\u0631\u0645\u0648\u0644 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0627\u0632 \u0631\u0648\u06cc APY<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0648 \u062f\u0631\u0622\u0645\u062f \u062d\u0627\u0635\u0644 \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u062f\u0631 \u0644\u0646\u062f\u06cc\u0646\u06af \u06cc\u0627 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0631\u0645\u0632\u0627\u0631\u0632\u0647\u0627 \u0628\u0631\u0627\u0633\u0627\u0633 \u0641\u0631\u0645\u0648\u0644 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0627\u0632 \u0641\u0631\u0645\u0648\u0644 \u0632\u06cc\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u062f: <\/p>\n\n\n\n<p class=\"has-text-align-center has-pale-cyan-blue-background-color has-background\">A = P \u00d7 (1 + n\/r\u200b)^n<\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0641\u0631\u0645\u0648\u0644:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A: \u062f\u0631\u0622\u0645\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u06a9\u0644 \u0634\u0645\u0627<\/li>\n\n\n\n<li>P: \u0633\u0631\u0645\u0627\u06cc\u0647 \u062a\u0623\u0645\u06cc\u0646\u200c\u0634\u062f\u0647 \u0627\u0648\u0644\u06cc\u0647<\/li>\n\n\n\n<li>r: \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 APR<\/li>\n\n\n\n<li>n: \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u062f\u0631 \u0633\u0627\u0644<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D9%85%D8%AB%D8%A7%D9%84_%D8%B9%D8%AF%D8%AF%DB%8C_%D8%B3%D8%A7%D8%AF%D9%87-2\"><\/span>\u0645\u062b\u0627\u0644 \u0639\u062f\u062f\u06cc \u0633\u0627\u062f\u0647<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644\u060c \u06f1\u06f0\u06f0 \u0648\u0627\u062d\u062f ETH \u0648\u0627\u0645\u200c\u06af\u0631\u0641\u062a\u0647\u200c\u0634\u062f\u0647 \u0628\u0627 \u0646\u0631\u062e \u06f2\u06f4\u066a APY\u060c \u0628\u0633\u062a\u0647 \u0628\u0647 \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u062a\u0631\u06a9\u06cc\u0628 \u0633\u0648\u062f \u06cc\u0627 \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a\u06cc \u06a9\u0647 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0627\u0639\u0645\u0627\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u0645\u0642\u0627\u062f\u06cc\u0631 \u0645\u062a\u0641\u0627\u0648\u062a\u06cc \u062e\u0648\u0627\u0647\u062f \u062f\u0627\u0634\u062a. <\/p>\n\n\n\n<p>\u0628\u0627 \u0646\u0631\u062e \u06f2\u06f4\u066a APR \u063a\u06cc\u0631\u0645\u062a\u063a\u06cc\u0631\u060c \u0645\u0642\u062f\u0627\u0631 \u0646\u0647\u0627\u06cc\u06cc \u062f\u0631\u0622\u0645\u062f \u06a9\u0644\u060c \u06f1\u06f2\u06f4 \u0648\u0627\u062d\u062f \u0627\u062a\u0631\u06cc\u0648\u0645 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f. \u0627\u0645\u0627 \u062f\u0631 APY\u060c \u0627\u06af\u0631 \u0648\u0627\u0645 \u06cc\u06a9\u200c\u0628\u0627\u0631 \u067e\u0633 \u0627\u0632 \u0634\u0634 \u0645\u0627\u0647 \u0648 \u0628\u0627\u0631 \u062f\u06cc\u06af\u0631 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644 \u062a\u0631\u06a9\u06cc\u0628 \u0634\u0648\u062f\u060c \u0628\u0647 \u0627\u06cc\u0646 \u0645\u0639\u0646\u0627\u0633\u062a \u06a9\u0647 \u0633\u0648\u062f\u060c \u062f\u0648 \u0628\u0627\u0631 \u0628\u0647 \u0633\u0648\u062f \u0627\u0636\u0627\u0641\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0645\u062c\u0645\u0648\u0639 \u062f\u0627\u0631\u0627\u06cc\u06cc \u067e\u0633 \u0627\u0632 \u06cc\u06a9 \u0633\u0627\u0644\u060c \u0628\u0647 \u06f1\u06f2\u06f5.\u06f4\u06f4 \u0627\u062a\u0631\u06cc\u0648\u0645 \u0645\u06cc\u200c\u0631\u0633\u062f \u06a9\u0647 \u0628\u06cc\u0634\u062a\u0631 \u0627\u0632 \u06f2\u06f4\u066a APR \u0627\u0633\u062a. \u0627\u06af\u0631 \u062a\u0631\u06a9\u06cc\u0628 \u0633\u0648\u062f \u062f\u0641\u0639\u0627\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u0627\u0646\u062c\u0627\u0645 \u0634\u0648\u062f\u060c \u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644 \u0628\u0647\u200c\u0635\u0648\u0631\u062a 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id=\"%D9%86%DA%A9%D8%A7%D8%AA_%D9%85%D9%87%D9%85_%D8%AF%D8%B1_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D8%B3%D9%88%D8%AF_%D8%B3%D8%B1%D9%85%D8%A7%DB%8C%D9%87%E2%80%8C%DA%AF%D8%B0%D8%A7%D8%B1%DB%8C_%D8%A8%D8%B1%D8%A7%D8%B3%D8%A7%D8%B3_APY\"><\/span>\u0646\u06a9\u0627\u062a \u0645\u0647\u0645 \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0628\u0631\u0627\u0633\u0627\u0633 APY<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0647\u0645\u0627\u0646\u0637\u0648\u0631 \u06a9\u0647 \u062f\u0631 \u0645\u062b\u0627\u0644 \u0628\u0627\u0644\u0627 \u062f\u06cc\u062f\u06cc\u0645\u060c \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647\u200c\u0633\u0631\u0639\u062a \u0645\u0628\u0644\u063a \u0646\u0647\u0627\u06cc\u06cc \u0642\u0627\u0628\u0644\u200c\u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 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<strong>\u0645\u062a\u063a\u06cc\u0631 <\/strong>\u0647\u0633\u062a\u0646\u062f\u061b \u06cc\u0639\u0646\u06cc \u062f\u0631 \u0637\u0648\u0644 \u0633\u0627\u0644 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u0648 \u0634\u0631\u0627\u06cc\u0637 \u06a9\u0644\u06cc \u0628\u0627\u0632\u0627\u0631 \u062a\u063a\u06cc\u06cc\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f.<\/p>\n\n\n\n<p>\u062f\u0631 \u0639\u0645\u0644\u060c \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0628\u0647\u0631\u0647 \u0645\u062a\u063a\u06cc\u0631 \u0628\u0647 \u0627\u06cc\u0646 \u0645\u0639\u0646\u0627\u0633\u062a \u06a9\u0647 \u0627\u062d\u062a\u0645\u0627\u0644\u0627\u064b \u0645\u0628\u0644\u063a \u0628\u06cc\u0634\u062a\u0631\u06cc \u0628\u0631\u0627\u06cc \u0628\u0627\u0632\u067e\u0631\u062f\u0627\u062e\u062a \u0648\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u062e\u0648\u0627\u0647\u062f \u0634\u062f\u061b \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c 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data-align=\"center\">\u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0647\u200c\u062e\u0627\u0637\u0631 \u0646\u0631\u062e \u062a\u0631\u06a9\u06cc\u0628 \u06cc\u0627 window \u06a9\u0648\u062a\u0627\u0647\u060c \u0628\u0632\u0631\u06af\u200c\u0646\u0645\u0627\u06cc\u06cc \u0634\u0648\u062f<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-\u0645\u062b\u0627\u0644-\u0639\u062f\u062f\u06cc-\u0633\u0627\u062f\u0647-\u0627\u0632-\u062a\u0623\u062b\u06cc\u0631-apr-\u0648-apy-\u0628\u0631-\u0633\u0648\u062f-\u0648-\u062f\u0631\u0622\u0645\u062f\"><span class=\"ez-toc-section\" id=\"%D9%85%D8%AB%D8%A7%D9%84_%D8%B9%D8%AF%D8%AF%DB%8C_%D8%B3%D8%A7%D8%AF%D9%87_%D8%A7%D8%B2_%D8%AA%D8%A3%D8%AB%DB%8C%D8%B1_APR_%D9%88_APY_%D8%A8%D8%B1_%D8%B3%D9%88%D8%AF_%D9%88_%D8%AF%D8%B1%D8%A2%D9%85%D8%AF\"><\/span>\u0645\u062b\u0627\u0644 \u0639\u062f\u062f\u06cc \u0633\u0627\u062f\u0647 \u0627\u0632 \u062a\u0623\u062b\u06cc\u0631 APR \u0648 APY \u0628\u0631 \u0633\u0648\u062f \u0648 \u062f\u0631\u0622\u0645\u062f <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u0628\u0647\u062a\u0631\u060c \u062f\u0631 \u062c\u062f\u0648\u0644 \u0632\u06cc\u0631\u060c \u0628\u0627\u0632\u062f\u0647\u06cc \u06cc\u06a9 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0647\u0632\u0627\u0631 \u062f\u0644\u0627\u0631\u06cc \u0628\u0627 \u0646\u0631\u062e \u062f\u0647 \u062f\u0631\u0635\u062f \u0631\u0627 \u0628\u0631\u0627\u0633\u0627\u0633 APR \u0648 APY \u0645\u0642\u0627\u06cc\u0633\u0647 \u06a9\u0631\u062f\u0647\u200c\u0627\u06cc\u0645:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-pale-cyan-blue-background-color has-background\"><thead><tr><th class=\"has-text-align-right\" data-align=\"right\">\u0646\u0648\u0639 \u0646\u0631\u062e \u0633\u0648\u062f<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u0645\u0642\u062f\u0627\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u0641\u0631\u06a9\u0627\u0646\u0633 \u062a\u0631\u06a9\u06cc\u0628 \u0633\u0648\u062f<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u067e\u0627\u06cc\u0627\u0646 \u0633\u0627\u0644<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u0645\u062c\u0645\u0648\u0639 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0646\u0647\u0627\u06cc\u06cc<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-right\" data-align=\"right\"><strong>\u0646\u0631\u062e APR<\/strong>&nbsp;(\u0633\u0648\u062f \u0633\u0627\u062f\u0647)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u0628\u062f\u0648\u0646 \u062a\u0631\u06a9\u06cc\u0628<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f0 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f1\u06f0\u06f0 \u062f\u0644\u0627\u0631<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><strong>\u0646\u0631\u062e APY<\/strong>&nbsp;(\u062a\u0631\u06a9\u06cc\u0628 \u0645\u0627\u0647\u0627\u0646\u0647)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f2 \u0628\u0627\u0631 \u062f\u0631 \u0633\u0627\u0644<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f4.\u06f7\u06f1 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f1\u06f0\u06f4.\u06f7\u06f1 \u062f\u0644\u0627\u0631<\/td><\/tr><tr><td class=\"has-text-align-right\" data-align=\"right\"><strong>\u0646\u0631\u062e APY<\/strong>&nbsp;(\u062a\u0631\u06a9\u06cc\u0628 \u0631\u0648\u0632\u0627\u0646\u0647)<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f3\u06f6\u06f5 \u0628\u0627\u0631 \u062f\u0631 \u0633\u0627\u0644<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f0\u06f5.\u06f1\u06f5 \u062f\u0644\u0627\u0631<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u06f1\u06f1\u06f0\u06f5.\u06f1\u06f5 \u062f\u0644\u0627\u0631<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0646\u0631\u062e-apr-\u0648-apy-\u062f\u0631-\u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af-\u06cc\u0639\u0646\u06cc-\u0686\u0647\u061f\"><span class=\"ez-toc-section\" id=\"%D9%86%D8%B1%D8%AE_APR_%D9%88_APY_%D8%AF%D8%B1_%D8%A7%D8%B3%D8%AA%DB%8C%DA%A9%DB%8C%D9%86%DA%AF_%DB%8C%D8%B9%D9%86%DB%8C_%DA%86%D9%87%D8%9F\"><\/span>\u0646\u0631\u062e APR \u0648 APY \u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u06cc\u0639\u0646\u06cc \u0686\u0647\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u060c \u0634\u0645\u0627 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0631\u0627\u06cc \u062a\u0623\u0645\u06cc\u0646 \u0627\u0645\u0646\u06cc\u062a \u0634\u0628\u06a9\u0647 \u0648 \u062a\u0627\u06cc\u06cc\u062f \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0642\u0641\u0644 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0648 \u062f\u0631 \u0627\u0632\u0627\u06cc \u0622\u0646\u060c \u067e\u0627\u062f\u0627\u0634 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u062f. \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627 \u0646\u06cc\u0632 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0627\u0632 \u0637\u0631\u06cc\u0642 \u062a\u0648\u0644\u06cc\u062f \u062a\u0648\u06a9\u0646\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u06cc\u0627 \u062a\u0648\u0632\u06cc\u0639 \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0634\u0628\u06a9\u0647 \u0645\u06cc\u0627\u0646 \u0645\u0634\u0627\u0631\u06a9\u062a\u200c\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u062a\u0623\u0645\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f. \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0627\u0639\u0644\u0627\u0645\u200c\u0634\u062f\u0647 \u062f\u0631 \u0648\u0627\u0642\u0639 \u062a\u062e\u0645\u06cc\u0646\u06cc \u0627\u0632 \u0645\u06cc\u0632\u0627\u0646 \u062a\u0648\u06a9\u0646\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f\u06cc \u0647\u0633\u062a\u0646\u062f \u06a9\u0647 \u062f\u0631 \u0637\u0648\u0644 \u06cc\u06a9 \u0633\u0627\u0644 \u0628\u0647 \u0634\u0645\u0627 \u062a\u0639\u0644\u0642 \u0645\u06cc\u200c\u06af\u06cc\u0631\u0646\u062f.<\/p>\n\n\n\n<p>\u0628\u06cc\u0634\u062a\u0631 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f: <a href=\"https:\/\/sarmayex.com\/college\/learn\/what-is-staking\/\" type=\"post\" id=\"5105\">\u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0631\u0645\u0632 \u0627\u0631\u0632 \u0686\u06cc\u0633\u062a<\/a>\u061f<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0639\u0648\u0627\u0645\u0644-\u062a\u0623\u062b\u06cc\u0631\u06af\u0630\u0627\u0631-\u0628\u0631-apr-\u062f\u0631-\u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af\"><span class=\"ez-toc-section\" id=\"%D8%B9%D9%88%D8%A7%D9%85%D9%84_%D8%AA%D8%A3%D8%AB%DB%8C%D8%B1%DA%AF%D8%B0%D8%A7%D8%B1_%D8%A8%D8%B1_APR_%D8%AF%D8%B1_%D8%A7%D8%B3%D8%AA%DB%8C%DA%A9%DB%8C%D9%86%DA%AF\"><\/span>\u0639\u0648\u0627\u0645\u0644 \u062a\u0623\u062b\u06cc\u0631\u06af\u0630\u0627\u0631 \u0628\u0631 APR \u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0646\u06a9\u062a\u0647 \u0645\u0647\u0645 \u062f\u0631 APR \u0634\u0628\u06a9\u0647\u200c\u0647\u0627\u06cc \u0628\u0644\u0627\u06a9\u0686\u06cc\u0646\u06cc \u0627\u06cc\u0646 \u0627\u0633\u062a \u06a9\u0647 \u0627\u06cc\u0646 \u0646\u0631\u062e\u060c \u06cc\u06a9 \u0645\u0642\u062f\u0627\u0631 \u062a\u0642\u0631\u06cc\u0628\u06cc \u0648 \u0645\u062a\u063a\u06cc\u0631 \u0627\u0633\u062a \u0648 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0633\u062a\u0647 \u0628\u0647 \u0634\u0631\u0627\u06cc\u0637 \u0628\u0627\u0632\u0627\u0631 \u0648 \u0634\u0628\u06a9\u0647 \u0628\u0644\u0627\u06a9\u0686\u06cc\u0646\u06cc \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0645\u0631\u0628\u0648\u0637\u0647\u060c \u062f\u0631 \u0637\u0648\u0644 \u0632\u0645\u0627\u0646 \u062a\u063a\u06cc\u06cc\u0631 \u06a9\u0646\u062f. <\/p>\n\n\n\n<p>\u0628\u0631\u0627\u06cc \u0645\u062b\u0627\u0644\u060c \u0627\u06af\u0631 \u062a\u0639\u062f\u0627\u062f \u0627\u0641\u0631\u0627\u062f \u0645\u0634\u0627\u0631\u06a9\u062a\u200c\u06a9\u0646\u0646\u062f\u0647 \u062f\u0631 \u0627\u0633\u062a\u062e\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0627\u0641\u0632\u0627\u06cc\u0634 \u06cc\u0627\u0628\u062f\u060c \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627 \u0628\u06cc\u0646 \u0627\u0641\u0631\u0627\u062f \u0628\u06cc\u0634\u062a\u0631\u06cc \u062a\u0642\u0633\u06cc\u0645 \u0634\u062f\u0647 \u0648 \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0646\u0631\u062e \u0633\u0648\u062f \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u06cc\u0627\u0628\u062f. \u0628\u0631\u0639\u06a9\u0633\u060c \u0632\u0645\u0627\u0646\u06cc \u06a9\u0647 \u0645\u0634\u0627\u0631\u06a9\u062a \u06a9\u0645\u062a\u0631 \u0627\u0633\u062a\u060c \u0634\u0628\u06a9\u0647 \u0628\u0631\u0627\u06cc \u062c\u0630\u0628 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0628\u06cc\u0634\u062a\u0631\u060c \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u0631\u0627 \u0628\u0647 \u06a9\u0627\u0631\u0628\u0631\u0627\u0646 \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u06cc\u200c\u062f\u0647\u062f. \u0622\u06af\u0627\u0647\u06cc \u0627\u0632 \u0627\u06cc\u0646 \u067e\u0648\u06cc\u0627\u06cc\u06cc \u0634\u0628\u06a9\u0647 \u0628\u0647 \u0634\u0645\u0627 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f \u062a\u0627 \u0627\u0646\u062a\u0638\u0627\u0631\u0627\u062a \u0648\u0627\u0642\u0639\u200c\u0628\u06cc\u0646\u0627\u0646\u0647\u200c\u0627\u06cc \u0627\u0632 \u062f\u0631\u0622\u0645\u062f\u0647\u0627\u06cc \u062e\u0648\u062f \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f. <\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0639\u0648\u0627\u0645\u0644 \u0632\u06cc\u0631 \u0628\u0631 \u062a\u0639\u06cc\u06cc\u0646 \u0646\u0631\u062e APR\u200c \u062a\u0623\u062b\u06cc\u0631 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u0646\u062f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0646\u0631\u062e \u067e\u0627\u062f\u0627\u0634 \u0634\u0628\u06a9\u0647 (Staking Rewards)<\/li>\n\n\n\n<li>\u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u0627\u0633\u062a\u06cc\u06a9\u200c\u06a9\u0646\u0646\u062f\u0647\u200c\u0647\u0627<\/li>\n\n\n\n<li>\u062a\u0648\u0631\u0645 \u062a\u0648\u06a9\u0646<\/li>\n\n\n\n<li>\u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627<\/li>\n\n\n\n<li>\u0645\u062f\u062a \u0632\u0645\u0627\u0646 \u0642\u0641\u0644\u200c\u0634\u062f\u0646 \u062f\u0627\u0631\u0627\u06cc\u06cc<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D8%AA%D9%81%D8%A7%D9%88%D8%AA_%D8%AF%D8%B1_APR_%D8%B4%D8%A8%DA%A9%D9%87_%D9%88_%D8%B3%D9%88%D8%AF_%D8%AF%D8%B1%DB%8C%D8%A7%D9%81%D8%AA%DB%8C\"><\/span>\u062a\u0641\u0627\u0648\u062a \u062f\u0631 APR \u0634\u0628\u06a9\u0647 \u0648 \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u06cc\u06a9\u06cc \u062f\u06cc\u06af\u0631 \u0627\u0632 \u0646\u06a9\u0627\u062a \u0645\u0647\u0645\u06cc \u06a9\u0647 \u0628\u0627\u06cc\u062f \u0628\u062f\u0627\u0646\u06cc\u062f\u060c \u062a\u0641\u0627\u0648\u062a \u0645\u06cc\u0627\u0646 APR \u0634\u0628\u06a9\u0647 \u0648 APR \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0634\u0645\u0627\u0633\u062a. \u0627\u06af\u0631 \u0634\u0645\u0627 \u0646\u0648\u062f \u0634\u062e\u0635\u06cc \u062e\u0648\u062f\u062a\u0627\u0646 \u0631\u0627 \u0631\u0627\u0647\u200c\u0627\u0646\u062f\u0627\u0632\u06cc \u06a9\u0631\u062f\u0647 \u0648 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 <a href=\"https:\/\/sarmayex.com\/college\/learn\/validator\/\" type=\"post\" id=\"18815\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c<\/a> \u062f\u0631 \u0634\u0628\u06a9\u0647 \u0641\u0639\u0627\u0644\u06cc\u062a \u06a9\u0646\u06cc\u062f\u060c APR \u0627\u0635\u0644\u06cc \u0631\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a \u062e\u0648\u0627\u0647\u06cc\u062f \u06a9\u0631\u062f.<\/p>\n\n\n\n<p>\u0627\u0645\u0627 \u0627\u06af\u0631 \u0648\u06a9\u0627\u0644\u062a \u062a\u0648\u06a9\u0646\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u0628\u0647 \u062f\u06cc\u06af\u0631 \u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631\u0647\u0627 \u0648\u0627\u06af\u0630\u0627\u0631 \u06a9\u0631\u062f\u0647 \u0648 \u0622\u0646\u200c\u0647\u0627 \u0627\u0632 \u0637\u0631\u0641 \u0634\u0645\u0627 \u06a9\u0627\u0631 \u062a\u0623\u06cc\u06cc\u062f \u062a\u0631\u0627\u06a9\u0646\u0634\u200c\u0647\u0627 \u0631\u0627 \u0627\u0646\u062c\u0627\u0645 \u062f\u0647\u0646\u062f (\u0628\u0647 \u0627\u06cc\u0646 \u0641\u0631\u0627\u06cc\u0646\u062f \u062f\u0644\u06af\u06cc\u0634\u0646 (Delegation) \u0645\u06cc\u200c\u06af\u0648\u06cc\u0646\u062f)\u060c \u062f\u0631 \u0627\u0632\u0627\u06cc \u062e\u062f\u0645\u0627\u062a \u0627\u0631\u0627\u0626\u0647\u200c\u0634\u062f\u0647\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u062f\u0631\u0635\u062f\u06cc \u0627\u0632 \u0633\u0648\u062f \u0634\u0645\u0627 \u0631\u0627 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u06a9\u0645\u06cc\u0633\u06cc\u0648\u0646 \u06a9\u0633\u0631 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0639\u0644\u0627\u0648\u0647\u200c\u0628\u0631\u0627\u06cc\u0646\u060c \u0627\u06af\u0631 \u06cc\u06a9 \u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631 \u0642\u0648\u0627\u0646\u06cc\u0646 \u0634\u0628\u06a9\u0647 \u0631\u0627 \u0646\u0642\u0636 \u06a9\u0646\u062f\u060c \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0627 \u062c\u0631\u06cc\u0645\u0647\u200c\u0647\u0627\u06cc \u0633\u0646\u06af\u06cc\u0646 (\u0627\u0633\u0644\u0634\u06cc\u0646\u06af) \u0645\u0648\u0627\u062c\u0647 \u0634\u062f\u0647 \u0648 \u0628\u062e\u0634\u06cc \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0632 \u0628\u06cc\u0646 \u0628\u0631\u0648\u062f.<\/p>\n\n\n\n<p>\u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u0646\u0631\u062e\u06cc \u06a9\u0647 \u062f\u0631 \u06a9\u06cc\u0641 \u067e\u0648\u0644 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u062e\u0648\u062f \u0647\u0646\u06af\u0627\u0645 \u0627\u0633\u062a\u06cc\u06a9 \u06a9\u0631\u062f\u0646 \u0645\u06cc\u200c\u0628\u06cc\u0646\u06cc\u062f\u060c \u0647\u0645\u06cc\u0634\u0647 \u067e\u0633 \u0627\u0632 \u06a9\u0633\u0631 \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627 \u0648 \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627\u06cc \u0627\u062d\u062a\u0645\u0627\u0644\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. <\/p>\n\n\n\n<p>\u0628\u06cc\u0634\u062a\u0631 \u0628\u062e\u0648\u0627\u0646\u06cc\u062f: <a href=\"https:\/\/sarmayex.com\/college\/learn\/trust-wallet-staking\/\" type=\"post\" id=\"18611\" target=\"_blank\" rel=\"noreferrer noopener\">\u0622\u0645\u0648\u0632\u0634 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u062f\u0631 \u062a\u0631\u0627\u0633\u062a \u0648\u0644\u062a<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0646\u0631\u062e-apr-\u0648-apy-\u062f\u0631-\u062f\u06cc\u0641\u0627\u06cc-\u0648-\u06cc\u06cc\u0644\u062f-\u0641\u0627\u0631\u0645\u06cc\u0646\u06af-\u0686\u06cc\u0633\u062a\u061f\"><span class=\"ez-toc-section\" id=\"%D9%86%D8%B1%D8%AE_APR_%D9%88_APY_%D8%AF%D8%B1_%D9%88%D8%A7%D9%85%E2%80%8C%D8%AF%D9%87%DB%8C_%D8%AF%DB%8C%D9%81%D8%A7%DB%8C_%D9%88_%DB%8C%DB%8C%D9%84%D8%AF_%D9%81%D8%A7%D8%B1%D9%85%DB%8C%D9%86%DA%AF_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\"><\/span>\u0646\u0631\u062e APR \u0648 APY \u062f\u0631 \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u062f\u06cc\u0641\u0627\u06cc \u0648 \u06cc\u06cc\u0644\u062f \u0641\u0627\u0631\u0645\u06cc\u0646\u06af \u0686\u06cc\u0633\u062a\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0628\u062e\u0634 \u0645\u0627\u0644\u06cc \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 (DeFi) \u0641\u0636\u0627\u06cc\u06cc \u067e\u0631\u0646\u0648\u0633\u0627\u0646 \u0648 \u0646\u0648\u0622\u0648\u0631\u0627\u0646\u0647 \u0627\u0633\u062a \u06a9\u0647 \u062f\u0631 \u0622\u0646\u060c \u0633\u0648\u062f\u0647\u0627 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0627\u0632 \u0637\u0631\u06cc\u0642 \u062a\u0623\u0645\u06cc\u0646 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u0628\u0631\u0627\u06cc \u0635\u0631\u0627\u0641\u06cc\u200c\u0647\u0627\u06cc \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u06cc\u0627 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u062a\u0623\u0645\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/p>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0634\u0645\u0627 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u062f\u0631 \u0627\u0633\u062a\u062e\u0631\u0647\u0627\u06cc \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u0642\u0631\u0627\u0631 \u0645\u06cc\u200c\u062f\u0647\u06cc\u062f \u0648 \u062f\u0631 \u0627\u0632\u0627\u06cc \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0645\u0639\u0627\u0645\u0644\u0627\u062a\u06cc\u060c \u062f\u0631\u0635\u062f\u06cc \u0627\u0632 \u0633\u0648\u062f \u0631\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f. \u0645\u06a9\u0627\u0646\u06cc\u0632\u0645\u200c\u0647\u0627\u06cc \u06cc\u06cc\u0644\u062f \u0641\u0627\u0631\u0645\u06cc\u0646\u06af \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 <a href=\"https:\/\/sarmayex.com\/college\/learn\/what-is-smart-contract\/\" type=\"post\" id=\"6975\" target=\"_blank\" rel=\"noreferrer noopener\">\u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f<\/a>\u060c \u0633\u0648\u062f\u0647\u0627\u06cc \u0634\u0645\u0627 \u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u062e\u0648\u062f\u06a9\u0627\u0631 \u062a\u0631\u06a9\u06cc\u0628 \u06a9\u0631\u062f\u0647 \u0648 \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0639\u0648\u0627\u0645\u0644-\u062a\u0623\u062b\u06cc\u0631\u06af\u0630\u0627\u0631-\u0628\u0631-apr-\u062f\u0631-\u062f\u06cc\u0641\u0627\u06cc\"><span class=\"ez-toc-section\" id=\"%D8%B9%D9%88%D8%A7%D9%85%D9%84_%D8%AA%D8%A3%D8%AB%DB%8C%D8%B1%DA%AF%D8%B0%D8%A7%D8%B1_%D8%A8%D8%B1_APR_%D8%AF%D8%B1_%D8%AF%DB%8C%D9%81%D8%A7%DB%8C\"><\/span>\u0639\u0648\u0627\u0645\u0644 \u062a\u0623\u062b\u06cc\u0631\u06af\u0630\u0627\u0631 \u0628\u0631 APR \u062f\u0631 \u062f\u06cc\u0641\u0627\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0646\u0631\u062e\u200c\u0647\u0627 \u062f\u0631 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u062f\u06cc\u0641\u0627\u06cc \u0628\u0647\u200c\u0634\u062f\u062a \u0628\u0647 \u0645\u06cc\u0632\u0627\u0646 \u0639\u0631\u0636\u0647 \u0648 \u062a\u0642\u0627\u0636\u0627 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631 \u0622\u0632\u0627\u062f \u0648\u0627\u0628\u0633\u062a\u0647 \u0647\u0633\u062a\u0646\u062f \u0648 \u062f\u0627\u0626\u0645\u0627\u064b \u0646\u0648\u0633\u0627\u0646 \u062f\u0627\u0631\u0646\u062f. \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u062f\u06cc\u0641\u0627\u06cc \u0628\u0631\u0627\u06cc \u062c\u0630\u0628 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u0627\u0648\u0644\u06cc\u0647\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0627\u0632 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u062a\u0628\u0644\u06cc\u063a\u0627\u062a\u06cc \u0646\u062c\u0648\u0645\u06cc \u0648 \u0628\u0633\u06cc\u0627\u0631 \u0628\u0627\u0644\u0627 \u062f\u0631 \u0631\u0648\u0632\u0647\u0627\u06cc \u0627\u0648\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0627\u06cc\u0646 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0627\u063a\u0648\u0627\u06a9\u0646\u0646\u062f\u0647 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a \u0647\u0633\u062a\u0646\u062f \u0648 \u0628\u0627 \u0648\u0631\u0648\u062f \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u0628\u0647 \u0633\u0631\u0639\u062a \u06a9\u0627\u0647\u0634 \u067e\u06cc\u062f\u0627 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0647\u0648\u0634\u06cc\u0627\u0631 \u0628\u0627\u0634\u06cc\u062f \u0648 \u0641\u0631\u06cc\u0628 \u0627\u0639\u062f\u0627\u062f \u0628\u0632\u0631\u06af\u06cc \u06a9\u0647 \u062a\u0646\u0647\u0627 \u0628\u0631\u0627\u06cc \u0686\u0646\u062f \u0631\u0648\u0632 \u0627\u0639\u062a\u0628\u0627\u0631 \u062f\u0627\u0631\u0646\u062f \u0631\u0627 \u0646\u062e\u0648\u0631\u06cc\u062f.<\/p>\n\n\n\n<p>\u062f\u0631 <a href=\"https:\/\/sarmayex.com\/college\/learn\/defi-lending-and-borrowing-explained\/\" type=\"post\" id=\"4091\" target=\"_blank\" rel=\"noreferrer noopener\">\u0648\u0627\u0645\u200c\u062f\u0647\u06cc \u062f\u06cc\u0641\u0627\u06cc<\/a> \u0646\u06cc\u0632 APR \u06cc\u06a9 \u0645\u062a\u063a\u06cc\u0631 \u067e\u0648\u06cc\u0627\u0633\u062a \u06a9\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u0648\u0627\u0631\u062f \u0632\u06cc\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0648 \u062a\u0639\u06cc\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u062f:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0639\u0631\u0636\u0647 \u0648 \u062a\u0642\u0627\u0636\u0627 \u0628\u0631\u0627\u06cc \u0648\u0627\u0645<\/li>\n\n\n\n<li>\u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0627\u0644\u06af\u0648\u0631\u06cc\u062a\u0645\u06cc (\u0645\u062b\u0644\u0627 \u062f\u0631 \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u0622\u0648\u0647 \u0648 \u06a9\u0627\u0645\u067e\u0627\u0646\u062f)<\/li>\n\n\n\n<li>\u0646\u0633\u0628\u062a \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc (Utilization Rate)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0628\u0627\u0632\u062f\u0647-\u0648\u0627\u0642\u0639\u06cc-realized-return-\u0686\u06cc\u0633\u062a\u061f\"><span class=\"ez-toc-section\" id=\"%D8%A8%D8%A7%D8%B2%D8%AF%D9%87_%D9%88%D8%A7%D9%82%D8%B9%DB%8C_%DB%8C%D8%A7_%D9%85%D8%AD%D9%82%D9%82%E2%80%8C%D8%B4%D8%AF%D9%87_Realized_Return_%DA%86%DB%8C%D8%B3%D8%AA%D8%9F\"><\/span>\u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u06cc\u0627 \u0645\u062d\u0642\u0642\u200c\u0634\u062f\u0647 (Realized Return) \u0686\u06cc\u0633\u062a\u061f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u0627\u0641\u0631\u0627\u062f \u0647\u0646\u06af\u0627\u0645 \u0627\u0633\u062a\u06cc\u06a9 \u06a9\u0631\u062f\u0646 \u06cc\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a \u0648\u0627\u0645 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u060c \u0635\u0631\u0641\u0627\u064b \u0628\u0647 \u0627\u0639\u062f\u0627\u062f \u0646\u0645\u0627\u06cc\u0634\u06cc \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627 \u0646\u06af\u0627\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f\u060c \u0627\u0645\u0627 \u0645\u0641\u0647\u0648\u0645 \u0628\u0633\u06cc\u0627\u0631 \u0645\u0647\u0645\u200c\u062a\u0631\u06cc \u0628\u0647 \u0646\u0627\u0645 \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u06cc\u0627 \u0645\u062d\u0642\u0642 \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u062f. \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0627\u0639\u0644\u0627\u0645\u200c\u0634\u062f\u0647 \u062a\u0646\u0647\u0627 \u0646\u0645\u0627\u06cc\u0627\u0646\u06af\u0631 \u0648\u0636\u0639\u06cc\u062a \u0627\u06cc\u062f\u0647\u200c\u0622\u0644 \u0647\u0633\u062a\u0646\u062f \u0648 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u062c\u0627\u0646\u0628\u06cc \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0646\u0645\u06cc\u200c\u06af\u06cc\u0631\u0646\u062f.<\/p>\n\n\n\n<p>\u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc\u060c \u0622\u0646 \u0645\u0642\u062f\u0627\u0631 \u0633\u0648\u062f \u062e\u0627\u0644\u0635\u06cc \u0627\u0633\u062a \u06a9\u0647 \u067e\u0633 \u0627\u0632 \u06a9\u0633\u0631 \u062a\u0645\u0627\u0645 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 \u0648 \u0646\u0648\u0633\u0627\u0646\u0627\u062a \u0628\u0627\u0632\u0627\u0631 \u062f\u0631 \u062c\u06cc\u0628 \u0634\u0645\u0627 \u0628\u0627\u0642\u06cc \u0645\u06cc\u200c\u0645\u0627\u0646\u062f. \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u06cc\u0646 \u0634\u0627\u062e\u0635\u060c \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u062f\u06cc\u062f\u06af\u0627\u0647\u06cc \u062c\u0627\u0645\u0639 \u0648 \u0628\u062f\u0628\u06cc\u0646\u0627\u0646\u0647 \u0646\u0633\u0628\u062a \u0628\u0647 \u0645\u0648\u0627\u0646\u0639 \u0645\u0648\u062c\u0648\u062f \u062f\u0631 \u0645\u0633\u06cc\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062e\u0648\u062f \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%DA%A9%D8%A7%D8%B1%D9%85%D8%B2%D8%AF%D9%87%D8%A7%DB%8C_%D8%B4%D8%A8%DA%A9%D9%87\"><\/span>\u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0634\u0628\u06a9\u0647<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0627\u0648\u0644\u06cc\u0646 \u0639\u0648\u0627\u0645\u0644\u06cc \u06a9\u0647 \u0633\u0648\u062f \u0648\u0627\u0642\u0639\u06cc \u0634\u0645\u0627 \u0631\u0627 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f\u060c \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0634\u0628\u06a9\u0647 \u0648 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627\u06cc \u0627\u0646\u062a\u0642\u0627\u0644 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0647\u0633\u062a\u0646\u062f. \u0647\u0646\u06af\u0627\u0645 \u062a\u0639\u0627\u0645\u0644 \u0628\u0627 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f\u060c \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0647\u0632\u06cc\u0646\u0647\u200c\u0627\u06cc \u062a\u062d\u062a \u0639\u0646\u0648\u0627\u0646 \u00ab\u06af\u0633\u00bb \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u062f \u06a9\u0647 \u06af\u0627\u0647\u06cc \u0628\u0633\u06cc\u0627\u0631 \u06af\u0631\u0627\u0646 \u062a\u0645\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D8%A7%D8%B3%D9%84%DB%8C%D9%BE%DB%8C%D8%AC\"><\/span>\u0627\u0633\u0644\u06cc\u067e\u06cc\u062c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0647\u0645\u0686\u0646\u06cc\u0646\u060c \u0647\u0646\u06af\u0627\u0645 \u062a\u0628\u062f\u06cc\u0644 \u062a\u0648\u06a9\u0646\u200c\u0647\u0627\u06cc \u067e\u0627\u062f\u0627\u0634 \u0628\u0647 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u067e\u0627\u06cc\u062f\u0627\u0631\u062a\u0631 \u0645\u0627\u0646\u0646\u062f <a href=\"https:\/\/sarmayex.com\/college\/learn\/stablecoin\/\" type=\"post\" id=\"15924\" target=\"_blank\" rel=\"noreferrer noopener\">\u0627\u0633\u062a\u06cc\u0628\u0644 \u06a9\u0648\u06cc\u0646<\/a>\u060c \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u0627 \u067e\u062f\u06cc\u062f\u0647\u200c\u0627\u06cc \u0628\u0647 \u0646\u0627\u0645 \u0627\u0633\u0644\u06cc\u067e\u06cc\u062c (Slippage) \u06cc\u0627 \u0644\u063a\u0632\u0634 \u0642\u06cc\u0645\u062a \u0645\u0648\u0627\u062c\u0647 \u0634\u0648\u06cc\u062f. \u0627\u06cc\u0646 \u0627\u0635\u0637\u06a9\u0627\u06a9\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u0628\u0647 \u0638\u0627\u0647\u0631 \u06a9\u0648\u0686\u06a9\u060c \u062f\u0631 \u0637\u0648\u0644 \u0632\u0645\u0627\u0646 \u062a\u0627\u062b\u06cc\u0631 \u0686\u0634\u0645\u06af\u06cc\u0631\u06cc \u0628\u0631 \u06a9\u0627\u0647\u0634 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628 \u0634\u0645\u0627 \u062e\u0648\u0627\u0647\u0646\u062f \u062f\u0627\u0634\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0627\u0641\u062a-\u0642\u06cc\u0645\u062a\"><span class=\"ez-toc-section\" id=\"%D8%A7%D9%81%D8%AA_%D9%82%DB%8C%D9%85%D8%AA\"><\/span>\u0627\u0641\u062a \u0642\u06cc\u0645\u062a <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u062e\u0637\u0631\u06cc \u06a9\u0647 \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u0634\u0645\u0627 \u0631\u0627 \u062a\u0647\u062f\u06cc\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f\u060c \u0631\u06cc\u0633\u06a9 \u0627\u0641\u062a <a href=\"https:\/\/sarmayex.com\/crypto-price\" target=\"_blank\" rel=\"noreferrer noopener\">\u0642\u06cc\u0645\u062a \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644<\/a> \u0627\u0635\u0644\u06cc \u06cc\u0627 \u062a\u0648\u06a9\u0646 \u067e\u0627\u062f\u0627\u0634 \u0627\u0633\u062a. \u0627\u06af\u0631 \u0634\u0645\u0627 \u062f\u0647 \u062f\u0631\u0635\u062f \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u062f\u0631\u06cc\u0627\u0641\u062a \u06a9\u0646\u06cc\u062f \u0627\u0645\u0627 \u0642\u06cc\u0645\u062a \u062e\u0648\u062f \u062a\u0648\u06a9\u0646 \u0627\u0633\u062a\u06cc\u06a9\u200c\u0634\u062f\u0647 \u06cc\u0627 \u0648\u0627\u0645\u200c\u062f\u0627\u062f\u0647\u200c\u0634\u062f\u0647 \u0628\u06cc\u0633\u062a \u062f\u0631\u0635\u062f \u06a9\u0627\u0647\u0634 \u06cc\u0627\u0628\u062f\u060c \u062f\u0631 \u0648\u0627\u0642\u0639 \u0645\u062a\u0636\u0631\u0631 \u0634\u062f\u0647\u200c\u0627\u06cc\u062f.<\/p>\n\n\n\n<p>\u0628\u0647 \u0647\u0645\u06cc\u0646\u200c\u062f\u0644\u06cc\u0644 \u0627\u0633\u062a \u06a9\u0647 \u0642\u0641\u0644\u200c\u06a9\u0631\u062f\u0646 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062f\u0631 \u06cc\u06a9 \u067e\u0631\u0648\u0698\u0647 \u0635\u0631\u0641\u0627\u064b \u0628\u0647 \u062e\u0627\u0637\u0631 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627\u060c \u0628\u062f\u0648\u0646 \u0628\u0631\u0631\u0633\u06cc \u0628\u0646\u06cc\u0627\u062f\u06cc\u0646 \u0622\u0646 \u0627\u0631\u0632 \u0645\u0646\u0637\u0642\u06cc \u0646\u06cc\u0633\u062a. \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0647\u0645\u06cc\u0634\u0647 \u0628\u0627\u0632\u062f\u0647 \u062f\u0644\u0627\u0631\u06cc \u062e\u0648\u062f \u0631\u0627 \u0645\u062d\u0627\u0633\u0628\u0647 \u06a9\u0646\u06cc\u062f \u062a\u0627 \u0627\u0632 \u0645\u0648\u0641\u0642\u06cc\u062a \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062e\u0648\u062f \u0627\u0637\u0645\u06cc\u0646\u0627\u0646 \u062d\u0627\u0635\u0644 \u0646\u0645\u0627\u06cc\u06cc\u062f. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0645\u0639\u0631\u0641\u06cc-\u0627\u0628\u0632\u0627\u0631-\u0648-\u0633\u0627\u06cc\u062a-\u0647\u0627-\u0628\u0631\u0627\u06cc-\u062f\u06cc\u062f\u0646-\u0646\u0631\u062e\u200c\u0647\u0627\u06cc-apr-\u0648-apy\"><span class=\"ez-toc-section\" id=\"%D8%A8%D9%87%D8%AA%D8%B1%DB%8C%D9%86_%D8%A7%D8%A8%D8%B2%D8%A7%D8%B1_%D9%88_%D8%B3%D8%A7%DB%8C%D8%AA_%D8%A8%D8%B1%D8%A7%DB%8C_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D9%86%D8%B1%D8%AE%E2%80%8C%D9%87%D8%A7%DB%8C_APR_%D9%88_APY\"><\/span>\u0628\u0647\u062a\u0631\u06cc\u0646 \u0627\u0628\u0632\u0627\u0631 \u0648 \u0633\u0627\u06cc\u062a \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc APR \u0648 APY<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0627\u0645\u0631\u0648\u0632\u0647 \u0627\u0628\u0632\u0627\u0631\u0647\u0627 \u0648 \u0648\u0628\u200c\u0633\u0627\u06cc\u062a\u200c\u0647\u0627\u06cc \u062a\u062c\u0645\u06cc\u0639\u200c\u06a9\u0646\u0646\u062f\u0647 \u062f\u0627\u062f\u0647 \u0632\u06cc\u0627\u062f\u06cc \u0648\u062c\u0648\u062f \u062f\u0627\u0631\u0646\u062f \u06a9\u0647 \u0628\u0647 \u0634\u0645\u0627 \u0627\u062c\u0627\u0632\u0647 \u0645\u06cc\u200c\u062f\u0647\u0646\u062f \u062a\u0627 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\u06a9\u0648\u06cc\u0646 \u0645\u0627\u0631\u06a9\u062a \u06a9\u067e (<a href=\"https:\/\/coinmarketcap.com\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">CMC<\/a>) \u0627\u0633\u062a. \u0627\u0644\u0628\u062a\u0647 \u0627\u06cc\u0646 \u0633\u0627\u06cc\u062a \u0635\u0641\u062d\u0647 \u0627\u062e\u062a\u0635\u0627\u0635\u06cc \u0628\u0631\u0627\u06cc \u0645\u0634\u0627\u0647\u062f\u0647 \u0628\u0627\u0632\u062f\u0647\u06cc \u0648 \u0633\u0648\u062f \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627\u06cc \u0631\u0645\u0632\u0627\u0631\u0632\u06cc \u0645\u062e\u062a\u0644\u0641 \u0646\u062f\u0627\u0631\u062f \u0648 \u0628\u0631\u0627\u06cc \u0645\u0634\u0627\u0647\u062f\u0647 \u0646\u0631\u062e \u0647\u0631 \u067e\u0631\u0648\u0698\u0647\u060c \u0628\u0627\u06cc\u062f \u0628\u0647 \u0635\u0641\u062d\u0647 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0645\u0648\u0631\u062f \u0646\u0638\u0631 \u0645\u0631\u0627\u062c\u0639\u0647 \u06a9\u0631\u062f\u0647 \u0648 \u0646\u0631\u062e \u0633\u0648\u062f \u0648 \u0628\u0627\u0632\u062f\u0647 \u062f\u0631 \u0647\u0631 \u067e\u0644\u062a\u0641\u0631\u0645 \u0631\u0627 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062c\u062f\u0627\u06af\u0627\u0646\u0647 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u062f. <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1661\" height=\"784\" src=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/cmc-ethreum-yield.webp\" alt=\"apy \u0627\u062a\u0631\u06cc\u0648\u0645 \u062f\u0631 \u0633\u0627\u06cc\u062a \u06a9\u0648\u06cc\u0646 \u0645\u0627\u0631\u06a9\u062a \u06a9\u067e\" class=\"wp-image-18955\" srcset=\"https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/cmc-ethreum-yield.webp 1661w, https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/cmc-ethreum-yield-768x362.webp 768w, https:\/\/sarmayex.com\/college\/wp-content\/uploads\/2026\/04\/cmc-ethreum-yield-1536x725.webp 1536w\" sizes=\"auto, (max-width: 1661px) 100vw, 1661px\" \/><figcaption class=\"wp-element-caption\">apy \u0627\u062a\u0631\u06cc\u0648\u0645 \u062f\u0631 \u0633\u0627\u06cc\u062a \u06a9\u0648\u06cc\u0646 \u0645\u0627\u0631\u06a9\u062a \u06a9\u067e<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%D8%B5%D8%B1%D8%A7%D9%81%DB%8C%E2%80%8C%D9%87%D8%A7%DB%8C_%D8%AE%D8%A7%D8%B1%D8%AC%DB%8C\"><\/span>\u0635\u0631\u0627\u0641\u06cc\u200c\u0647\u0627\u06cc \u062e\u0627\u0631\u062c\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0635\u0631\u0627\u0641\u06cc\u200c\u0647\u0627\u06cc \u062e\u0627\u0631\u062c\u06cc \u0646\u06cc\u0632 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u062f\u0627\u0631\u0627\u06cc \u0628\u062e\u0634\u06cc \u062a\u062d\u062a \u0639\u0646\u0648\u0627\u0646 \u00abStaking\u00bb \u06cc\u0627 \u00abEarn\u00bb \u0647\u0633\u062a\u0646\u062f \u06a9\u0647 \u0645\u06cc\u0632\u0627\u0646 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noopener\">\u0627\u0633\u062a\u062e\u0631 \u0645\u0634\u0627\u0631\u06a9\u062a \u0633\u0631\u0645\u0627\u06cc\u06a9\u0633<\/a> APR \u0647\u0631 \u067e\u0631\u0648\u0698\u0647 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u062c\u062f\u0627\u06af\u0627\u0646\u0647 \u0645\u0634\u062e\u0635 \u0634\u062f\u0647 \u0627\u0633\u062a. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-\u0645\u0627\u0634\u06cc\u0646-\u062d\u0633\u0627\u0628-\u0645\u062d\u0627\u0633\u0628\u0647-\u0633\u0648\u062f\"><span class=\"ez-toc-section\" id=\"%D9%85%D8%A7%D8%B4%DB%8C%D9%86_%D8%AD%D8%B3%D8%A7%D8%A8_%D9%85%D8%AD%D8%A7%D8%B3%D8%A8%D9%87_%D8%B3%D9%88%D8%AF\"><\/span>\u0645\u0627\u0634\u06cc\u0646 \u062d\u0633\u0627\u0628 \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u06cc\u06a9\u06cc \u0627\u0632 \u0646\u06cc\u0627\u0632\u0647\u0627\u06cc \u0627\u0633\u0627\u0633\u06cc \u06a9\u0627\u0631\u0628\u0631\u0627\u0646\u060c 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1109px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0686\u06a9\u200c\u0644\u06cc\u0633\u062a-\u0627\u0646\u062a\u062e\u0627\u0628-\u0641\u0631\u0635\u062a-\u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af-\u0686\u06af\u0648\u0646\u0647-\u0646\u0631\u062e\u200c\u0647\u0627-\u0631\u0627-\u062f\u0631\u0633\u062a-\u0645\u0642\u0627\u06cc\u0633\u0647-\u06a9\u0646\u06cc\u0645\u061f\"><span class=\"ez-toc-section\" id=\"%DA%86%DA%A9%E2%80%8C%D9%84%DB%8C%D8%B3%D8%AA_%D8%A7%D9%86%D8%AA%D8%AE%D8%A7%D8%A8_%D9%81%D8%B1%D8%B5%D8%AA_%D8%A7%D8%B3%D8%AA%DB%8C%DA%A9%DB%8C%D9%86%DA%AF_%DA%86%DA%AF%D9%88%D9%86%D9%87_%D9%86%D8%B1%D8%AE%E2%80%8C%D9%87%D8%A7_%D8%B1%D8%A7_%D8%AF%D8%B1%D8%B3%D8%AA_%D9%85%D9%82%D8%A7%DB%8C%D8%B3%D9%87_%DA%A9%D9%86%DB%8C%D9%85%D8%9F\"><\/span>\u0686\u06a9\u200c\u0644\u06cc\u0633\u062a \u0627\u0646\u062a\u062e\u0627\u0628 \u0641\u0631\u0635\u062a \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af: \u0686\u06af\u0648\u0646\u0647 \u0646\u0631\u062e\u200c\u0647\u0627 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id=\"\u06af\u0627\u0645-\u0627\u0648\u0644-\u0628\u0631\u0631\u0633\u06cc-\u062a\u0648\u0631\u0645-\u0630\u0627\u062a\u06cc-\u062a\u0648\u06a9\u0646\"><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%A7%D9%88%D9%84_%D8%A8%D8%B1%D8%B1%D8%B3%DB%8C_%D8%AA%D9%88%D8%B1%D9%85_%D8%B0%D8%A7%D8%AA%DB%8C_%D8%AA%D9%88%DA%A9%D9%86\"><\/span>\u06af\u0627\u0645 \u0627\u0648\u0644: \u0628\u0631\u0631\u0633\u06cc \u062a\u0648\u0631\u0645 \u0630\u0627\u062a\u06cc \u062a\u0648\u06a9\u0646<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0627\u0628\u062a\u062f\u0627 \u0628\u0627\u06cc\u062f \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u062f \u06a9\u0647 \u0634\u0628\u06a9\u0647 \u0628\u0631\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u060c \u0633\u0627\u0644\u0627\u0646\u0647 \u0686\u0647 \u0645\u0642\u062f\u0627\u0631 \u062a\u0648\u06a9\u0646 \u062c\u062f\u06cc\u062f \u062a\u0648\u0644\u06cc\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0627\u06af\u0631 \u062f\u0631\u0635\u062f \u062a\u0648\u0631\u0645 \u06cc\u06a9 \u0627\u0631\u0632 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0627\u0632 \u062f\u0631\u0635\u062f \u0633\u0648\u062f\u06cc \u06a9\u0647 \u0628\u0647 \u0634\u0645\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u0634\u0648\u062f \u0628\u06cc\u0634\u062a\u0631 \u0628\u0627\u0634\u062f\u060c \u0627\u0631\u0632\u0634 \u0648\u0627\u0642\u0639\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647  \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u06cc\u0627\u0628\u062f. \u062f\u0631 \u0648\u0627\u0642\u0639\u060c \u062a\u0639\u062f\u0627\u062f \u062a\u0648\u06a9\u0646 \u0628\u06cc\u0634\u062a\u0631\u06cc \u0628\u0647\u200c\u062f\u0633\u062a \u0645\u06cc\u200c\u0622\u0648\u0631\u06cc\u062f\u060c \u0627\u0645\u0627 \u0642\u062f\u0631\u062a \u062e\u0631\u06cc\u062f \u062f\u0644\u0627\u0631\u06cc \u0634\u0645\u0627 \u0627\u0641\u062a \u06a9\u0631\u062f\u0647 \u0627\u0633\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u06af\u0627\u0645-\u062f\u0648\u0645-\u062f\u0648\u0631\u0647-\u0642\u0641\u0644-\u0634\u062f\u0646-\u062f\u0627\u0631\u0627\u06cc\u06cc\"><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%AF%D9%88%D9%85_%D8%AF%D9%88%D8%B1%D9%87_%D9%82%D9%81%D9%84%E2%80%8C%D8%B4%D8%AF%D9%86_%D8%AF%D8%A7%D8%B1%D8%A7%DB%8C%DB%8C\"><\/span>\u06af\u0627\u0645 \u062f\u0648\u0645: \u062f\u0648\u0631\u0647 \u0642\u0641\u0644\u200c\u0634\u062f\u0646 \u062f\u0627\u0631\u0627\u06cc\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0628\u0633\u06cc\u0627\u0631\u06cc \u0627\u0632 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc \u0627\u0631\u0627\u0626\u0647 \u062f\u0631\u0635\u062f\u0647\u0627\u06cc \u0628\u0627\u0644\u0627\u060c \u062f\u0627\u0631\u0627\u06cc\u06cc \u0634\u0645\u0627 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0645\u062f\u062a \u0637\u0648\u0644\u0627\u0646\u06cc \u0642\u0641\u0644 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f. \u0628\u0627\u06cc\u062f \u0645\u0637\u0645\u0626\u0646 \u0634\u0648\u06cc\u062f \u06a9\u0647 \u062f\u0631 \u0635\u0648\u0631\u062a \u0631\u06cc\u0632\u0634 \u0646\u0627\u06af\u0647\u0627\u0646\u06cc \u0628\u0627\u0632\u0627\u0631\u060c \u0627\u0645\u06a9\u0627\u0646 \u062e\u0631\u0648\u062c \u0627\u0636\u0637\u0631\u0627\u0631\u06cc \u0627\u0632 \u0627\u0633\u062a\u062e\u0631 \u0631\u0627 \u062f\u0627\u0631\u06cc\u062f \u06cc\u0627 \u062e\u06cc\u0631. \u0639\u062f\u0645 \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u062f\u0631 \u0632\u0645\u0627\u0646 \u0628\u062d\u0631\u0627\u0646\u060c \u06cc\u06a9\u06cc \u0627\u0632 \u0628\u0632\u0631\u06af\u062a\u0631\u06cc\u0646 \u062e\u0637\u0631\u0627\u062a \u062f\u0631 \u0627\u06cc\u0646 \u0646\u0648\u0639 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0627\u0633\u062a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u06af\u0627\u0645-\u0633\u0648\u0645-\u0627\u0639\u062a\u0628\u0627\u0631-\u067e\u0644\u062a\u0641\u0631\u0645-\u06cc\u0627-\u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631\"><span class=\"ez-toc-section\" id=\"%DA%AF%D8%A7%D9%85_%D8%B3%D9%88%D9%85_%D8%A7%D8%B9%D8%AA%D8%A8%D8%A7%D8%B1_%D9%BE%D9%84%D8%AA%D9%81%D8%B1%D9%85_%DB%8C%D8%A7_%D9%88%D9%84%DB%8C%D8%AF%DB%8C%D8%AA%D9%88%D8%B1\"><\/span>\u06af\u0627\u0645 \u0633\u0648\u0645: \u0627\u0639\u062a\u0628\u0627\u0631 \u067e\u0644\u062a\u0641\u0631\u0645 \u06cc\u0627 \u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0633\u067e\u0631\u062f\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062f\u0631 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0646\u0627\u0634\u0646\u0627\u0633 \u0628\u0647 \u0637\u0645\u0639 \u062f\u0631\u06cc\u0627\u0641\u062a \u062f\u0631\u0635\u062f\u0647\u0627\u06cc \u063a\u06cc\u0631\u0645\u0646\u0637\u0642\u06cc\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0647 \u0627\u0632 \u062f\u0633\u062a \u0631\u0641\u062a\u0646 \u06a9\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647 \u062e\u062a\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0633\u0627\u0628\u0642\u0647 \u0627\u0645\u0646\u06cc\u062a\u06cc \u067e\u0644\u062a\u0641\u0631\u0645\u060c \u0648\u062c\u0648\u062f \u062d\u0633\u0627\u0628\u0631\u0633\u06cc \u06a9\u062f\u0647\u0627\u06cc \u0628\u0631\u0646\u0627\u0645\u0647\u200c\u0646\u0648\u06cc\u0633\u06cc \u0648 \u0634\u0647\u0631\u062a \u062a\u06cc\u0645 \u062a\u0648\u0633\u0639\u0647\u200c\u062f\u0647\u0646\u062f\u0647 \u0631\u0627 \u0628\u0647 \u062f\u0642\u062a \u0628\u0631\u0631\u0633\u06cc \u06a9\u0646\u06cc\u062f. \u0627\u0645\u0646\u06cc\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0647\u0645\u06cc\u0634\u0647 \u0628\u0627\u06cc\u062f \u0627\u0648\u0644\u0648\u06cc\u062a \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u0646\u0633\u0628\u062a \u0628\u0647 \u0645\u06cc\u0632\u0627\u0646 \u0633\u0648\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u062f.<\/p>\n\n\n\n<p>\u0635\u0631\u0627\u0641\u06cc \u0633\u0631\u0645\u0627\u06cc\u06a9\u0633 \u062a\u0645\u0627\u0645 \u0627\u06cc\u0646 \u0645\u0634\u06a9\u0644\u0627\u062a \u0631\u0627 \u0631\u0641\u0639 \u06a9\u0631\u062f\u0647 \u0648 \u0628\u0627 \u0627\u0637\u0645\u06cc\u0646\u0627\u0646 \u0627\u0632 \u0627\u0645\u0646\u06cc\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0648 \u062a\u0636\u0645\u06cc\u0646 \u0633\u0648\u062f \u062e\u0648\u062f \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u06a9\u0633\u0628 \u062f\u0631\u0622\u0645\u062f \u0627\u0632 \u0627\u0631\u0632\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0631\u0627 \u0622\u063a\u0627\u0632 \u06a9\u0646\u06cc\u062f. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc\"><span class=\"ez-toc-section\" id=\"%D8%AC%D9%85%D8%B9%E2%80%8C%D8%A8%D9%86%D8%AF%DB%8C\"><\/span>\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u062f\u0631 \u0627\u06cc\u0646 \u0645\u0642\u0627\u0644\u0647\u060c \u0645\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u062c\u0627\u0645\u0639 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f\u06cc\u0645 \u06a9\u0647 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u0648 \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0686\u0647 \u062a\u0641\u0627\u0648\u062a\u200c\u0647\u0627\u06cc \u0628\u0646\u06cc\u0627\u062f\u06cc\u0646\u06cc \u0628\u0627 \u06cc\u06a9\u062f\u06cc\u06af\u0631 \u062f\u0627\u0631\u0646\u062f. \u0634\u0645\u0627 \u0627\u06a9\u0646\u0648\u0646 \u0645\u06cc\u200c\u062f\u0627\u0646\u06cc\u062f \u06a9\u0647 \u0633\u0648\u062f \u0633\u0627\u062f\u0647 \u062a\u0646\u0647\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0633\u0631\u0645\u0627\u06cc\u0647 \u0627\u0648\u0644\u06cc\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 \u0628\u0627\u0632\u062f\u0647 \u0645\u0631\u06a9\u0628 \u0628\u0627 \u062a\u0631\u06a9\u06cc\u0628 \u0645\u062f\u0627\u0648\u0645 \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u060c \u0631\u0634\u062f \u062a\u0635\u0627\u0639\u062f\u06cc \u0627\u06cc\u062c\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062f\u0631\u06a9 \u0627\u06cc\u0646 \u0645\u0641\u0627\u0647\u06cc\u0645 \u0631\u06cc\u0627\u0636\u06cc \u0628\u0647 \u0634\u0645\u0627 \u0642\u062f\u0631\u062a \u0645\u06cc\u200c\u062f\u0647\u062f \u062a\u0627 \u0639\u0645\u0644\u06a9\u0631\u062f \u0648\u0627\u0642\u0639\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u062e\u0648\u062f \u0631\u0627 \u062f\u0631 \u0637\u0648\u0644 \u0632\u0645\u0627\u0646 \u0628\u0647 \u062f\u0631\u0633\u062a\u06cc \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u06a9\u0646\u06cc\u062f. \u0627\u06cc\u0646 \u062f\u0627\u0646\u0634 \u067e\u0627\u06cc\u0647\u060c \u0633\u0646\u06af \u0628\u0646\u0627\u06cc \u0645\u0648\u0641\u0642\u06cc\u062a \u0634\u0645\u0627 \u062f\u0631 \u0628\u0627\u0632\u0627\u0631\u0647\u0627\u06cc \u063a\u06cc\u0631\u0645\u062a\u0645\u0631\u06a9\u0632 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<p>\u0647\u0645\u0686\u0646\u06cc\u0646 \u0622\u0645\u0648\u062e\u062a\u06cc\u0645 \u06a9\u0647 \u062f\u0631 \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627\u060c \u0647\u0631\u06af\u0632 \u0646\u0628\u0627\u06cc\u062f \u062a\u0646\u0647\u0627 \u0628\u0647 \u0627\u0639\u062f\u0627\u062f \u0628\u0632\u0631\u06af \u0648 \u062f\u0631\u0635\u062f\u0647\u0627\u06cc \u062a\u0628\u0644\u06cc\u063a\u0627\u062a\u06cc \u0686\u0634\u0645 \u062f\u0648\u062e\u062a. \u0645\u062d\u0627\u0633\u0628\u0647 \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u0628\u0627 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0646 \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u06cc \u0634\u0628\u06a9\u0647\u060c \u062a\u0648\u0631\u0645 \u062a\u0648\u06a9\u0646 \u0627\u0635\u0644\u06cc \u0648 \u062e\u0637\u0631\u0627\u062a \u0646\u0648\u0633\u0627\u0646 \u0642\u06cc\u0645\u062a\u060c \u0631\u0648\u06cc\u06a9\u0631\u062f\u06cc \u0645\u0646\u0637\u0642\u06cc\u200c\u062a\u0631 \u0628\u0631\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0627\u0633\u062a. \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u062a\u0645\u0627\u0645 \u0645\u062a\u063a\u06cc\u0631\u0647\u0627\u06cc \u067e\u0646\u0647\u0627\u0646 \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0628\u06af\u06cc\u0631\u06cc\u062f \u062a\u0627 \u0627\u0632 \u0636\u0631\u0631\u0647\u0627\u06cc \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0646\u0634\u062f\u0647 \u062f\u0631 \u0627\u0645\u0627\u0646 \u0628\u0645\u0627\u0646\u06cc\u062f. \u0627\u0646\u062a\u062e\u0627\u0628 \u0647\u0648\u0634\u0645\u0646\u062f\u0627\u0646\u0647 \u0646\u06cc\u0627\u0632\u0645\u0646\u062f \u062a\u0631\u06a9\u06cc\u0628 \u062a\u062d\u0644\u06cc\u0644 \u0641\u0627\u0646\u062f\u0627\u0645\u0646\u062a\u0627\u0644 \u067e\u0631\u0648\u0698\u0647 \u0628\u0627 \u062f\u0631\u06a9 \u0635\u062d\u06cc\u062d \u0627\u0632 \u0627\u0642\u062a\u0635\u0627\u062f \u062a\u0648\u06a9\u0646\u06cc \u0622\u0646 \u0627\u0633\u062a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u0633\u0648\u0627\u0644\u0627\u062a-\u0645\u062a\u062f\u0627\u0648\u0644\"><span class=\"ez-toc-section\" id=\"%D8%B3%D8%A4%D8%A7%D9%84%D8%A7%D8%AA_%D9%85%D8%AA%D8%AF%D8%A7%D9%88%D9%84\"><\/span>\u0633\u0624\u0627\u0644\u0627\u062a \u0645\u062a\u062f\u0627\u0648\u0644<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1776075516323\"><strong class=\"schema-faq-question\">APR \u0686\u06cc\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">APR \u0646\u0631\u062e \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u00ab\u0628\u062f\u0648\u0646 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628\u00bb \u0627\u0633\u062a \u0648 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u06cc\u06a9 \u0646\u0631\u062e \u0633\u0627\u062f\u0647 \u0628\u0631\u0627\u06cc \u0645\u0642\u0627\u06cc\u0633\u0647 \u0627\u0648\u0644\u06cc\u0647 \u0628\u0647 \u062d\u0633\u0627\u0628 \u0645\u06cc\u200c\u0622\u06cc\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075535430\"><strong class=\"schema-faq-question\">APY \u0686\u06cc\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">APY \u0646\u0631\u062e \u0628\u0627\u0632\u062f\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u00ab\u0628\u0627 \u0627\u062b\u0631 \u0633\u0648\u062f \u0645\u0631\u06a9\u0628\u00bb \u0627\u0633\u062a\u061b \u06cc\u0639\u0646\u06cc \u0641\u0631\u0636 \u0645\u06cc\u200c\u06a9\u0646\u062f \u0633\u0648\u062f\u0647\u0627 \u062f\u0648\u0628\u0627\u0631\u0647 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u06cc\u200c\u0634\u0648\u0646\u062f \u0648 \u0628\u0627\u0632\u062f\u0647 \u0645\u0624\u062b\u0631 \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075546010\"><strong class=\"schema-faq-question\">\u062a\u0641\u0627\u0648\u062a \u0627\u0635\u0644\u06cc APR \u0648 APY \u062f\u0631 \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0686\u06cc\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">\u0641\u0631\u0642 \u0627\u0635\u0644\u06cc \u062f\u0631 \u00ab\u0645\u0631\u06a9\u0628 \u0634\u062f\u0646\u00bb \u0627\u0633\u062a\u061b \u0627\u06af\u0631 \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627 \u062f\u0648\u0628\u0627\u0631\u0647 \u0648\u0627\u0631\u062f \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0634\u0648\u0646\u062f\u060c APY \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0627\u0632 APR \u0628\u0627\u0644\u0627\u062a\u0631 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075556189\"><strong class=\"schema-faq-question\">\u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 (Compounding frequency) \u0686\u0647 \u062a\u0627\u062b\u06cc\u0631\u06cc \u062f\u0627\u0631\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0647\u0631\u0686\u0647 \u0633\u0648\u062f\u0647\u0627 \u0628\u06cc\u0634\u062a\u0631 (\u0645\u062b\u0644\u0627\u064b \u0631\u0648\u0632\u0627\u0646\u0647) \u0645\u0631\u06a9\u0628 \u0634\u0648\u0646\u062f\u060c APY \u0628\u0627\u0644\u0627\u062a\u0631 \u0645\u06cc\u200c\u0631\u0648\u062f\u060c \u062d\u062a\u06cc \u0627\u06af\u0631 APR \u062b\u0627\u0628\u062a \u0628\u0645\u0627\u0646\u062f.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075566674\"><strong class=\"schema-faq-question\">\u0622\u06cc\u0627 APY \u0628\u0627\u0644\u0627\u062a\u0631 \u0647\u0645\u06cc\u0634\u0647 \u0628\u0647\u062a\u0631 \u0627\u0633\u062a\u061f<\/strong> <p class=\"schema-faq-answer\">\u062e\u06cc\u0631\u061b \u0628\u0627\u06cc\u062f \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\u060c \u0631\u06cc\u0633\u06a9 \u0642\u0641\u0644 \u0633\u0631\u0645\u0627\u06cc\u0647\u060c \u0631\u06cc\u0633\u06a9 \u067e\u0644\u062a\u0641\u0631\u0645 \u0648 \u0631\u06cc\u0633\u06a9 \u06a9\u0627\u0647\u0634 \u0642\u06cc\u0645\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0631\u0627 \u0647\u0645 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075583120\"><strong class=\"schema-faq-question\">APR \u062f\u0631 \u0634\u0628\u06a9\u0647\u200c\u0647\u0627\u06cc PoS \u0627\u0632 \u06a9\u062c\u0627 \u0645\u06cc\u200c\u0622\u06cc\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0628\u0627\u0632\u062f\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0627\u0632 \u0627\u0646\u062a\u0634\u0627\u0631 \u062a\u0648\u06a9\u0646 \u06cc\u0627 \u067e\u0627\u062f\u0627\u0634 \u067e\u0631\u0648\u062a\u06a9\u0644 \u0648 \u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627 \u0633\u0627\u062e\u062a\u0647 \u0634\u0648\u062f \u0648 \u0628\u0627 \u0622\u067e\u200c\u062a\u0627\u06cc\u0645 (\u0645\u062f\u062a\u200c\u0632\u0645\u0627\u0646 \u0641\u0639\u0627\u0644\u06cc\u062a \u0645\u062f\u0627\u0648\u0645)\u200c \u0648 \u062c\u0631\u06cc\u0645\u0647\u200c\u0647\u0627 \u062a\u063a\u06cc\u06cc\u0631 \u06a9\u0646\u062f\u061b \u06a9\u0645\u06cc\u0633\u06cc\u0648\u0646 \u0648\u0644\u06cc\u062f\u06cc\u062a\u0648\u0631 \u0647\u0645 \u0646\u0631\u062e \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0631\u0627 \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u062f\u0647\u062f.\u00a0<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075592275\"><strong class=\"schema-faq-question\">\u0686\u0631\u0627 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc APY \u062f\u0631 \u062f\u06cc\u0641\u0627\u06cc \u062e\u06cc\u0644\u06cc \u0628\u0627\u0644\u0627 \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0686\u0648\u0646 \u0646\u0631\u062e\u200c\u0647\u0627 \u0645\u062a\u063a\u06cc\u0631\u0646\u062f \u0648 \u0628\u0639\u0636\u06cc \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627 \u0627\u0632 \u0628\u0627\u0632\u0647\u200c\u0647\u0627\u06cc \u06a9\u0648\u062a\u0627\u0647\u200c\u0645\u062f\u062a \u06cc\u0627 \u0641\u0631\u0636\u0650 \u062a\u0631\u06a9\u06cc\u0628 \u0633\u0631\u06cc\u0639 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u0646\u062f \u06a9\u0647 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0646\u0631\u062e \u067e\u0627\u06cc\u062f\u0627\u0631 \u0633\u0627\u0644\u0627\u0646\u0647 \u0646\u0628\u0627\u0634\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075603323\"><strong class=\"schema-faq-question\">\u0686\u0637\u0648\u0631 APR \u0631\u0627 \u0628\u0647 APY \u062a\u0628\u062f\u06cc\u0644 \u06a9\u0646\u0645\u061f<\/strong> <p class=\"schema-faq-answer\">\u0628\u0627 \u0641\u0631\u0645\u0648\u0644 \u0627\u0633\u062a\u0627\u0646\u062f\u0627\u0631\u062f APY \u06a9\u0647 \u00abAPR \u0648 \u062a\u0639\u062f\u0627\u062f \u062f\u0641\u0639\u0627\u062a \u062a\u0631\u06a9\u06cc\u0628 \u062f\u0631 \u0633\u0627\u0644\u00bb \u0631\u0627 \u0644\u062d\u0627\u0638 \u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u0631\u0627 \u062f\u0631 \u0627\u06cc\u0646 \u0645\u0637\u0644\u0628 \u062f\u0631 \u06a9\u0627\u0644\u062c \u0633\u0631\u0645\u0627\u06cc\u06a9\u0633 \u0628\u0627 \u0645\u062b\u0627\u0644 \u062a\u0648\u0636\u06cc\u062d \u062f\u0627\u062f\u06cc\u0645. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075631710\"><strong class=\"schema-faq-question\">\u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u0627\u0633\u062a\u06cc\u06a9\u06cc\u0646\u06af \u0686\u0637\u0648\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0628\u0627\u06cc\u062f \u0646\u0631\u062e \u0627\u0639\u0644\u0627\u0645\u06cc \u0631\u0627 \u0628\u0627 \u0647\u0632\u06cc\u0646\u0647\u200c\u0647\u0627 (\u06a9\u0627\u0631\u0645\u0632\u062f\u0647\u0627\/\u06af\u0633)\u060c \u0631\u06cc\u0633\u06a9\u200c\u0647\u0627 \u0648 \u062a\u063a\u06cc\u06cc\u0631 \u0642\u06cc\u0645\u062a \u062a\u0648\u06a9\u0646 \u062a\u0631\u06a9\u06cc\u0628 \u06a9\u0646\u06cc\u062f \u062a\u0627 \u0628\u0627\u0632\u062f\u0647 \u0648\u0627\u0642\u0639\u06cc \u0628\u0647 \u062f\u0633\u062a \u0622\u06cc\u062f<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075653983\"><strong class=\"schema-faq-question\">\u0627\u06af\u0631 \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627 \u0631\u0627 \u0628\u0631\u062f\u0627\u0634\u062a \u06a9\u0646\u0645 \u0648 \u062f\u0648\u0628\u0627\u0631\u0647 \u0627\u0633\u062a\u06cc\u06a9 \u0646\u06a9\u0646\u0645 \u0686\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a \u0634\u0645\u0627 \u0639\u0645\u0644\u0627\u064b \u0627\u0632 APR \u06cc\u0627 \u0646\u0631\u062e \u0633\u0627\u062f\u0647\u200c\u062a\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f \u0648 \u0627\u062b\u0631 APY (\u0645\u0631\u06a9\u0628 \u0634\u062f\u0646) \u0631\u0627 \u0627\u0632 \u062f\u0633\u062a \u0645\u06cc\u200c\u062f\u0647\u06cc\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075692096\"><strong class=\"schema-faq-question\">\u0622\u06cc\u0627 \u0646\u0631\u062e\u200c\u0647\u0627\u06cc \u0628\u0627\u0644\u0627\u06cc \u062a\u0628\u0644\u06cc\u063a\u0627\u062a\u06cc APR \u0647\u0645\u06cc\u0634\u0647 \u0633\u0648\u062f\u0622\u0648\u0631 \u0648 \u0642\u0627\u0628\u0644 \u0627\u0639\u062a\u0645\u0627\u062f \u0647\u0633\u062a\u0646\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u062e\u06cc\u0631\u060c \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u062f\u0631\u0635\u062f\u0647\u0627\u06cc \u0628\u0633\u06cc\u0627\u0631 \u0628\u0627\u0644\u0627 \u0648 \u0686\u0646\u062f \u0635\u062f \u062f\u0631\u0635\u062f\u06cc \u06a9\u0627\u0645\u0644\u0627\u064b \u0645\u0648\u0642\u062a\u06cc \u0628\u0648\u062f\u0647 \u0648 \u062a\u0646\u0647\u0627 \u0628\u0631\u0627\u06cc \u062c\u0630\u0628 \u0646\u0642\u062f\u06cc\u0646\u06af\u06cc \u0627\u0648\u0644\u06cc\u0647 \u0637\u0631\u0627\u062d\u06cc \u0634\u062f\u0647\u200c\u0627\u0646\u062f. \u0627\u06cc\u0646 \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0628\u0627 \u062a\u0648\u0631\u0645 \u0634\u062f\u06cc\u062f \u062a\u0648\u06a9\u0646 \u0647\u0645\u0631\u0627\u0647 \u0647\u0633\u062a\u0646\u062f \u06a9\u0647 \u0628\u0647 \u0633\u0631\u0639\u062a \u0627\u0631\u0632\u0634 \u067e\u0627\u062f\u0627\u0634\u200c\u0647\u0627\u06cc \u0634\u0645\u0627 \u0631\u0627 \u0628\u0647 \u0635\u0641\u0631 \u0646\u0632\u062f\u06cc\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0628\u0647 \u062f\u0646\u0628\u0627\u0644 \u067e\u0631\u0648\u0698\u0647\u200c\u0647\u0627\u06cc\u06cc \u0628\u0627 \u0628\u0627\u0632\u062f\u0647\u06cc \u0645\u0646\u0637\u0642\u06cc \u0648 \u0627\u0642\u062a\u0635\u0627\u062f \u062a\u0648\u06a9\u0646\u06cc \u067e\u0627\u06cc\u062f\u0627\u0631 \u0628\u0627\u0634\u06cc\u062f.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1776075730249\"><strong class=\"schema-faq-question\">\u0686\u0631\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u062f\u0631 \u0635\u0631\u0627\u0641\u06cc\u200c\u0647\u0627\u06cc \u0645\u0639\u062a\u0628\u0631 \u062f\u0627\u062e\u0644\u06cc \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u06cc\u200c\u0634\u0648\u062f\u061f<\/strong> <p class=\"schema-faq-answer\">\u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u0628\u0648\u0645\u06cc \u0645\u0627\u0646\u0646\u062f \u0635\u0631\u0627\u0641\u06cc \u0633\u0631\u0645\u0627\u06cc\u06a9\u0633 \u062e\u0637\u0631\u0627\u062a \u0646\u0627\u0634\u06cc \u0627\u0632 \u062a\u062d\u0631\u06cc\u0645\u200c\u0647\u0627\u06cc \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc \u0648 \u0645\u0633\u062f\u0648\u062f \u0634\u062f\u0646 \u0646\u0627\u06af\u0647\u0627\u0646\u06cc \u062d\u0633\u0627\u0628\u200c\u0647\u0627 \u0631\u0627 \u0627\u0632 \u0628\u06cc\u0646 \u0645\u06cc\u200c\u0628\u0631\u062f. \u0634\u0645\u0627 \u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc \u062a\u063a\u06cc\u06cc\u0631 \u0622\u06cc\u200c\u067e\u06cc \u0648 \u0628\u0627 \u067e\u0634\u062a\u06cc\u0628\u0627\u0646\u06cc \u06a9\u0627\u0645\u0644 \u0632\u0628\u0627\u0646 \u0641\u0627\u0631\u0633\u06cc\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u0628\u0627 \u0627\u0645\u0646\u06cc\u062a \u06a9\u0627\u0645\u0644 \u0628\u0647 \u0641\u0639\u0627\u0644\u06cc\u062a \u0628\u067e\u0631\u062f\u0627\u0632\u06cc\u062f. \u0627\u06cc\u0646 \u0622\u0631\u0627\u0645\u0634 \u0631\u0648\u0627\u0646\u06cc \u0628\u0631\u0627\u06cc \u0627\u062a\u062e\u0627\u0630 \u062a\u0635\u0645\u06cc\u0645\u0627\u062a \u0645\u0627\u0644\u06cc \u0635\u062d\u06cc\u062d \u0628\u0633\u06cc\u0627\u0631 \u0636\u0631\u0648\u0631\u06cc \u0627\u0633\u062a. <\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>APR 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