{"id":27712,"date":"2021-12-03T20:49:54","date_gmt":"2021-12-03T17:19:54","guid":{"rendered":"https:\/\/maktabkhooneh.org\/mag\/?p=27712"},"modified":"2026-04-06T18:36:09","modified_gmt":"2026-04-06T15:06:09","slug":"loan-functions-in-excel-and-how-it-works","status":"publish","type":"post","link":"https:\/\/maktabkhooneh.org\/mag\/loan-functions-in-excel-and-how-it-works\/","title":{"rendered":"\u062a\u0648\u0627\u0628\u0639 \u0648\u0627\u0645 \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0648 \u0646\u062d\u0648\u0647 \u06a9\u0627\u0631 \u0628\u0627 \u0622\u0646 \u0631\u0627 \u06cc\u0627\u062f \u0628\u06af\u06cc\u0631\u06cc\u062f!"},"content":{"rendered":"\n<p><span style=\"font-size: 14px;\">\u0628\u0631\u0627\u06cc \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0646&nbsp;\u0645\u062d\u0628\u0648\u0628\u200c\u062a\u0631\u06cc\u0646&nbsp;\u0639\u0645\u0644\u06a9\u0631\u062f\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc&nbsp;\u0627\u06a9\u0633\u0644\u060c \u0645\u0627&nbsp;\u0648\u0627\u0645\u06cc \u0631\u0627&nbsp;\u0628\u0627 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0645\u0627\u0647\u0627\u0646\u0647\u060c \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u06f6 \u062f\u0631\u0635\u062f\u060c \u0645\u062f\u062a \u06f2\u06f0 \u0633\u0627\u0644\u060c \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u06f1\u06f5\u06f0\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631 (\u0645\u0628\u0644\u063a \u0642\u0631\u0636\u200c\u06af\u0631\u0641\u062a\u0647 \u0634\u062f\u0647) \u0648 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06f0 \u062f\u0631&nbsp;\u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u0645. \u0627\u06cc\u0646 \u0647\u0645\u0627\u0646 \u0686\u06cc\u0632\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0648\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u062f. \u0645\u0627 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0648\u0627\u0645 \u0631\u0627 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0645\u0627\u0647\u0627\u0646\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u062f\u0647\u06cc\u0645\u060c \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0627\u0632 \u06f6%\/\u06f1\u06f2 = \u06f0\u066b\u06f5% \u0628\u0631\u0627\u06cc Rate \u0648 \u06f2\u06f0*\u06f1\u06f2 = \u06f2\u06f4\u06f0 \u0628\u0631\u0627\u06cc Nper (\u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u062f\u0648\u0631\u0647\u200c\u0647\u0627) \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645.&nbsp;\u0627\u06af\u0631 \u0647\u0645\u0627\u0646 \u0648\u0627\u0645 \u0631\u0627 \u0633\u0627\u0644\u0627\u0646\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u06f6% \u0628\u0631\u0627\u06cc Rate \u0648 \u06f2\u06f0 \u0628\u0631\u0627\u06cc Nper \u0631\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u062a\u0648\u0627\u0628\u0639 \u0648\u0627\u0645 \u062f\u0631 \u0627\u06a9\u0633\u0644<\/span><\/h2>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062f\u0631 \u0632\u06cc\u0631 \u0628\u0627 \u0647\u0645 \u0645\u0647\u0645\u062a\u0631\u06cc\u0646 \u062a\u0648\u0627\u0628\u0639 \u0648\u0627\u0645 \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0631\u0627 \u0628\u0631\u0631\u0633\u06cc \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><h4><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 PMT<\/span><\/h4><br><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0645\u0641\u0631\u0648\u0636\u0627\u062a \u062f\u0627\u062f\u0647 \u0634\u062f\u0647\u060c \u0627\u0628\u062a\u062f\u0627 \u0633\u0644\u0648\u0644 A2 \u0631\u0627 \u0627\u0646\u062a\u062e\u0627\u0628 \u06a9\u0631\u062f\u0647 \u0648&nbsp;\u062a\u0627\u0628\u0639 PMT&nbsp;\u0631\u0627 \u0648\u0627\u0631\u062f \u06a9\u0646\u06cc\u062f.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" width=\"462\" height=\"112\" src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT.jpg\" alt=\"\u062a\u0627\u0628\u0639 PMT\" class=\"wp-image-27713\" title=\"\" srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT.jpg 462w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT-300x73.jpg 300w\" sizes=\"(max-width: 462px) 100vw, 462px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0648\u062c\u0647 \u062f\u0627\u0634\u062a\u0647 \u0628\u0627\u0634\u06cc\u062f \u06a9\u0647 \u062f\u0648 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0622\u062e\u0631 \u0627\u062e\u062a\u06cc\u0627\u0631\u06cc \u0647\u0633\u062a\u0646\u062f.&nbsp;\u0628\u0631\u0627\u06cc \u0648\u0627\u0645\u200c\u0647\u0627\u060c Fv \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u062d\u0630\u0641 \u06a9\u0631\u062f (\u0627\u0631\u0632\u0634 \u0622\u06cc\u0646\u062f\u0647 \u06cc\u06a9 \u0648\u0627\u0645 \u0628\u0631\u0627\u0628\u0631 \u0628\u0627 \u06f0 \u0627\u0633\u062a\u060c \u0628\u0627 \u0627\u06cc\u0646 \u062d\u0627\u0644\u060c \u0628\u0631\u0627\u06cc \u062a\u0648\u0636\u06cc\u062d \u062f\u0631 \u0627\u06cc\u0646\u062c\u0627 \u06af\u0646\u062c\u0627\u0646\u062f\u0647 \u0634\u062f\u0647 \u0627\u0633\u062a).&nbsp;\u0627\u06af\u0631 \u0646\u0648\u0639 \u062d\u0630\u0641 \u0634\u0648\u062f\u060c \u0641\u0631\u0636 \u0645\u06cc\u200c\u0634\u0648\u062f \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u062f\u0648\u0631\u0647 \u0633\u0631\u0631\u0633\u06cc\u062f \u0627\u0633\u062a. \u0646\u062a\u06cc\u062c\u0647&nbsp;\u067e\u0631\u062f\u0627\u062e\u062a \u0645\u0627\u0647\u0627\u0646\u0647 \u0645\u0639\u0627\u062f\u0644 \u06f1\u06f0\u06f7\u06f4\u066b\u06f6\u06f5 \u062f\u0644\u0627\u0631 \u0627\u0633\u062a.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"472\" height=\"99\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT-1.jpg\" alt=\"\u062a\u0627\u0628\u0639 PMT\" class=\"wp-image-27714 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT-1.jpg 472w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u062a\u0627\u0628\u0639-PMT-1-300x63.jpg 300w\" data-sizes=\"(max-width: 472px) 100vw, 472px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 472px; --smush-placeholder-aspect-ratio: 472\/99;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><h4><span style=\"font-size: 14px;\">\u0622\u0631\u06af\u0648\u0645\u0627\u0646 Rate<\/span><\/h4><br><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0627\u06af\u0631 Rate \u062a\u0646\u0647\u0627 \u0645\u062a\u063a\u06cc\u0631 \u0646\u0627\u0634\u0646\u0627\u062e\u062a\u0647 \u0628\u0627\u0634\u062f\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u0645 \u0627\u0632 \u062a\u0627\u0628\u0639 RATE \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"476\" height=\"100\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-Rate.jpg\" alt=\"\u0622\u0631\u06af\u0648\u0645\u0627\u0646 Rate\" class=\"wp-image-27715 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-Rate.jpg 476w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-Rate-300x63.jpg 300w\" data-sizes=\"(max-width: 476px) 100vw, 476px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 476px; --smush-placeholder-aspect-ratio: 476\/100;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><h4><span style=\"font-size: 14px;\">\u0622\u0631\u06af\u0648\u0645\u0627\u0646 NPER<\/span><\/h4><br><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u06f1\u06f0\u06f7\u06f4\u066b\u06f6\u06f5 \u062f\u0644\u0627\u0631 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0648\u0627\u0645 \u06f2\u06f0 \u0633\u0627\u0644\u0647 \u0628\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u06f6% \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u06cc\u0646 \u0648\u0627\u0645 \u06f2\u06f4\u06f0 \u0645\u0627\u0647 \u0637\u0648\u0644 \u0645\u06cc\u200c\u06a9\u0634\u062f.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"504\" height=\"106\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER.jpg\" alt=\"\u0622\u0631\u06af\u0648\u0645\u0627\u0646 NPER\" class=\"wp-image-27716 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER.jpg 504w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER-300x63.jpg 300w\" data-sizes=\"(max-width: 504px) 100vw, 504px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 504px; --smush-placeholder-aspect-ratio: 504\/106;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0645\u0627 \u0642\u0628\u0644\u0627\u064b \u0627\u06cc\u0646 \u0631\u0627 \u0645\u06cc\u200c\u062f\u0627\u0646\u0633\u062a\u06cc\u0645\u060c \u0627\u0645\u0627 \u0627\u06a9\u0646\u0648\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u0627\u0647\u0627\u0646\u0647 \u0631\u0627 \u062a\u063a\u06cc\u06cc\u0631 \u062f\u0647\u06cc\u0645 \u062a\u0627 \u0628\u0628\u06cc\u0646\u06cc\u0645 \u0686\u06af\u0648\u0646\u0647 \u0627\u06cc\u0646 \u0631\u0648\u06cc \u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u062f\u0648\u0631\u0647\u200c\u0647\u0627 \u062a\u0623\u062b\u06cc\u0631 \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u062f \u0648 \u0627\u06cc\u0646 \u06a9\u0627\u0631 \u0631\u0627 \u0628\u0647 \u06a9\u0645\u06a9 \u062a\u0627\u0628\u0639 NPER \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u062f\u0647\u06cc\u0645.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"519\" height=\"109\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER-1.jpg\" alt=\"\u0622\u0631\u06af\u0648\u0645\u0627\u0646 NPER\" class=\"wp-image-27718 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER-1.jpg 519w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-NPER-1-300x63.jpg 300w\" data-sizes=\"(max-width: 519px) 100vw, 519px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 519px; --smush-placeholder-aspect-ratio: 519\/109;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0646\u062a\u06cc\u062c\u0647 \u06af\u06cc\u0631\u06cc: \u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u06f2\u06f0\u06f7\u06f4\u066b\u06f6\u06f5 \u062f\u0644\u0627\u0631 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u06cc\u0646 \u0648\u0627\u0645 \u06a9\u0645\u062a\u0631 \u0627\u0632 \u06f9\u06f0 \u0645\u0627\u0647 \u0637\u0648\u0644 \u0645\u06cc\u200c\u06a9\u0634\u062f.<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><h4><span style=\"font-size: 14px;\">\u0622\u0631\u06af\u0648\u0645\u0627\u0646 PV<\/span><\/h4><br><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u06f1\u06f0\u06f7\u06f4\u066b\u06f6\u06f5 \u062f\u0644\u0627\u0631 \u0628\u0627 \u0648\u0627\u0645 \u06f2\u06f0 \u0633\u0627\u0644\u0647 \u0628\u0627 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u06f6 \u062f\u0631\u0635\u062f \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u0686\u0642\u062f\u0631 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u0645 \u0648\u0627\u0645 \u0628\u06af\u06cc\u0631\u06cc\u0645\u061f&nbsp; \u062a\u0627\u0628\u0639 pv \u0627\u06cc\u0646 \u0631\u0627 \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"534\" height=\"112\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-PV.jpg\" alt=\"\u0622\u0631\u06af\u0648\u0645\u0627\u0646 PV\" class=\"wp-image-27719 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-PV.jpg 534w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-PV-300x63.jpg 300w\" data-sizes=\"(max-width: 534px) 100vw, 534px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 534px; --smush-placeholder-aspect-ratio: 534\/112;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><h4><span style=\"font-size: 14px;\">\u00a0<\/span>\u0622\u0631\u06af\u0648\u0645\u0627\u0646 FV<\/h4><br><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u06f1\u06f0\u06f7\u06f4\u066b\u06f6\u06f5 \u062f\u0644\u0627\u0631 \u0628\u0627 \u0648\u0627\u0645 \u06f2\u06f0 \u0633\u0627\u0644\u0647 \u0628\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u06f6 \u062f\u0631\u0635\u062f \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u0645 \u0648\u0627\u0645 \u0631\u0627 \u0628\u0647 \u0637\u0648\u0631 \u06a9\u0627\u0645\u0644 \u0628\u067e\u0631\u062f\u0627\u0632\u06cc\u0645.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0627\u0645\u0627 \u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u0641\u0642\u0637 \u06f1\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u067e\u0633 \u0627\u0632 \u06f2\u06f0 \u0633\u0627\u0644 \u0647\u0645\u0686\u0646\u0627\u0646 \u0628\u062f\u0647\u06cc \u062f\u0627\u0631\u06cc\u0645 \u06a9\u0647 \u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u0628\u0647 \u06a9\u0645\u06a9 \u062a\u0627\u0628\u0639 fv \u0645\u0634\u062e\u0635 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"536\" height=\"113\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-FV.jpg\" alt=\"\u0622\u0631\u06af\u0648\u0645\u0627\u0646 FV\" class=\"wp-image-27721 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-FV.jpg 536w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0622\u0631\u06af\u0648\u0645\u0627\u0646-FV-300x63.jpg 300w\" data-sizes=\"(max-width: 536px) 100vw, 536px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 536px; --smush-placeholder-aspect-ratio: 536\/113;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u0639\u0645\u0644\u06a9\u0631\u062f \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0686\u06cc\u0633\u062a\u061f<\/span><\/h3>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0632\u06cc\u0631 \u062a\u0648\u0627\u0628\u0639 \u0645\u0627\u0644\u06cc \u0627\u06a9\u0633\u0644 \u0637\u0628\u0642\u0647 \u0628\u0646\u062f\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06cc\u0646 \u062a\u0627\u0628\u0639 \u0628\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u06a9\u0644 \u067e\u0631\u062f\u0627\u062e\u062a (\u0627\u0635\u0648\u0644 \u0648 \u0628\u0647\u0631\u0647) \u0645\u0648\u0631\u062f \u0646\u06cc\u0627\u0632 \u0628\u0631\u0627\u06cc \u062a\u0633\u0648\u06cc\u0647 \u0648\u0627\u0645 \u06cc\u0627 \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc \u0628\u0627 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u062b\u0627\u0628\u062a \u062f\u0631 \u06cc\u06a9 \u062f\u0648\u0631\u0647 \u0632\u0645\u0627\u0646\u06cc \u062e\u0627\u0635 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0641\u0631\u0645\u0648\u0644<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">=PMT(Rate\u060c nper\u060c&nbsp;pv\u060c [fv]\u060c [Type])<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 PMT \u0627\u0632 \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc \u0632\u06cc\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f:<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">Rate: \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0648\u0627\u0645.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Nper: \u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u067e\u0631\u062f\u0627\u062e\u062a\u06cc\u200c\u0647\u0627 \u0628\u0631\u0627\u06cc \u0648\u0627\u0645 \u06af\u0631\u0641\u062a\u0647 \u0634\u062f\u0647.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Pv: \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u06cc\u0627 \u06a9\u0644 \u0645\u0628\u0644\u063a\u06cc \u06a9\u0647 \u06cc\u06a9 \u0633\u0631\u06cc \u0627\u0632 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u0622\u062a\u06cc \u0627\u06a9\u0646\u0648\u0646 \u0627\u0631\u0632\u0634 \u062f\u0627\u0631\u062f.\u00a0\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0627\u0635\u0644 \u0648\u0627\u0645 \u0646\u06cc\u0632 \u0646\u0627\u0645\u06cc\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Fv\u00a0: \u0627\u06cc\u0646 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06cc\u0627 \u0645\u0648\u062c\u0648\u062f\u06cc \u0646\u0642\u062f\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u0645 \u067e\u0633 \u0627\u0632 \u0627\u0646\u062c\u0627\u0645 \u0622\u062e\u0631\u06cc\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u0647 \u062f\u0633\u062a \u0622\u0648\u0631\u06cc\u0645.\u00a0\u0627\u06af\u0631 Fv \u062d\u0630\u0641 \u0634\u0648\u062f\u060c \u0628\u0631\u0627\u06cc \u0627\u06cc\u0646 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0645\u0642\u062f\u0627\u0631 \u06f0 \u0641\u0631\u0636 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u06cc\u0639\u0646\u06cc \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06cc\u06a9 \u0648\u0627\u0645 \u06f0 \u0627\u0633\u062a.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Type: \u0646\u0648\u0639 \u0645\u0628\u0646\u0627\u06cc \u0634\u0645\u0627\u0631\u0634 \u0631\u0648\u0632 \u0628\u0631\u0627\u06cc \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u062f\u0631 \u0645\u062d\u0627\u0633\u0628\u0647 \u0627\u0633\u062a \u06a9\u0647\u00a0\u0645\u0642\u0627\u062f\u06cc\u0631 \u067e\u0627\u06cc\u0647 \u0628\u0631\u0627\u06cc \u0622\u0646 \u0639\u0628\u0627\u0631\u062a\u0646\u062f \u0627\u0632:<\/span><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"288\" height=\"84\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0639\u0645\u0644\u06a9\u0631\u062f-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-.jpg\" alt=\"\u0639\u0645\u0644\u06a9\u0631\u062f \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644\" class=\"wp-image-27722 lazyload\" title=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 288px; --smush-placeholder-aspect-ratio: 288\/84;\"><figcaption><\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">&nbsp;<\/span><span style=\"font-size: 14px;\">\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f<\/span><\/h3>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9 \u062a\u0627\u0628\u0639 \u06a9\u0627\u0631\u0628\u0631\u06af\u060c \u062a\u0627\u0628\u0639 PMT \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0628\u062e\u0634\u06cc \u0627\u0632 \u06cc\u06a9 \u0641\u0631\u0645\u0648\u0644 \u062f\u0631 \u0633\u0644\u0648\u0644 \u06cc\u06a9 \u06a9\u0627\u0631\u0628\u0631\u06af \u0648\u0627\u0631\u062f \u06a9\u0631\u062f.&nbsp;\u0628\u0631\u0627\u06cc \u062f\u0631\u06a9 \u06a9\u0627\u0631\u0628\u0631\u062f\u0647\u0627\u06cc PMT\u060c \u0627\u062c\u0627\u0632\u0647 \u062f\u0647\u06cc\u062f \u0645\u062b\u0627\u0644\u06cc \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0628\u06af\u06cc\u0631\u06cc\u0645:<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u06cc\u0627\u06cc\u06cc\u062f \u0641\u0631\u0636 \u06a9\u0646\u06cc\u0645 \u06a9\u0647 \u0628\u0627\u06cc\u062f \u0628\u0647 \u06af\u0648\u0646\u0647\u200c\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc \u06a9\u0646\u06cc\u0645 \u06a9\u0647 \u067e\u0633 \u0627\u0632 \u062f\u0648 \u0633\u0627\u0644\u060c \u06f7\u06f5\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631 \u062f\u0631\u06cc\u0627\u0641\u062a \u06a9\u0646\u06cc\u0645.&nbsp;\u0646\u0631\u062e \u0633\u0648\u062f \u06f3\u066b\u06f5 \u062f\u0631\u0635\u062f \u062f\u0631 \u0633\u0627\u0644 \u0627\u0633\u062a \u0648 \u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u0627\u0628\u062a\u062f\u0627\u06cc \u0647\u0631 \u0645\u0627\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.&nbsp;\u062c\u0632\u0626\u06cc\u0627\u062a \u0639\u0628\u0627\u0631\u062a\u0646\u062f \u0627\u0632:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"267\" height=\"153\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27723 lazyload\" title=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 267px; --smush-placeholder-aspect-ratio: 267\/153;\"><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0641\u0631\u0645\u0648\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0634\u062f\u0647 \u0627\u06cc\u0646 \u0627\u0633\u062a:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"328\" height=\"243\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27724 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1.jpg 328w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1-300x222.jpg 300w\" data-sizes=\"(max-width: 328px) 100vw, 328px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 328px; --smush-placeholder-aspect-ratio: 328\/243;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0645\u0627 \u0646\u062a\u0627\u06cc\u062c \u0632\u06cc\u0631 \u0631\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"304\" height=\"259\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 PMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27726 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2.jpg 304w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-PMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2-300x256.jpg 300w\" data-sizes=\"(max-width: 304px) 100vw, 304px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 304px; --smush-placeholder-aspect-ratio: 304\/259;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 \u0641\u0648\u0642 PMT \u0631\u0627 \u06f3\u06f2\u06f4\u06f0\u066b\u06f2\u06f0 \u062f\u0644\u0627\u0631 \u0628\u0631\u0645\u06cc \u06af\u0631\u062f\u0627\u0646\u062f. \u0627\u06cc\u0646 \u062c\u0631\u06cc\u0627\u0646 \u0646\u0642\u062f\u06cc \u0645\u0627\u0647\u0627\u0646\u0647 \u0645\u0648\u0631\u062f \u0646\u06cc\u0627\u0632 \u0628\u0631\u0627\u06cc \u062a\u062d\u0642\u0642 \u06f7\u06f5\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631 \u062f\u0631 \u062f\u0648 \u0633\u0627\u0644 \u0627\u0633\u062a.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062f\u0631 \u0627\u06cc\u0646 \u0645\u062b\u0627\u0644:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">\u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc \u0628\u0647 \u0635\u0648\u0631\u062a \u0645\u0627\u0647\u0627\u0646\u0647 \u0627\u0633\u062a\u060c \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0647 \u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647 \u062a\u0628\u062f\u06cc\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0647\u0645\u0686\u0646\u06cc\u0646 \u0633\u0627\u0644\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u0645\u0627\u0647 \u062a\u0628\u062f\u06cc\u0644 \u06a9\u0631\u062f\u06cc\u0645: \u06f2*\u06f1\u06f2 = \u06f2\u06f4\u066b<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0622\u0631\u06af\u0648\u0645\u0627\u0646 [\u0646\u0648\u0639] \u0631\u0648\u06cc \u06f1 \u062a\u0646\u0638\u06cc\u0645 \u0634\u062f\u0647 \u0627\u0633\u062a \u062a\u0627 \u0646\u0634\u0627\u0646 \u062f\u0647\u062f \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc \u062f\u0631 \u0627\u0628\u062a\u062f\u0627\u06cc \u0647\u0631 \u062f\u0648\u0631\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0637\u0628\u0642 \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u06a9\u0644\u06cc \u062c\u0631\u06cc\u0627\u0646 \u0646\u0642\u062f\u06cc\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u062e\u0631\u0648\u062c\u06cc \u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0645\u0646\u0641\u06cc \u0648 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc \u0628\u0627 \u0627\u0639\u062f\u0627\u062f \u0645\u062b\u0628\u062a \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0627\u0632 \u0622\u0646\u062c\u0627\u06cc\u06cc \u06a9\u0647 \u0645\u0642\u062f\u0627\u0631 \u0628\u0631\u06af\u0634\u062a\u06cc \u0645\u0646\u0641\u06cc \u0627\u0633\u062a\u060c \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u06cc\u06a9 \u067e\u0631\u062f\u0627\u062e\u062a \u062e\u0631\u0648\u062c\u06cc \u0628\u0627\u06cc\u062f \u0627\u0646\u062c\u0627\u0645 \u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0627\u0631\u0632\u0634 \u06f3,\u06f2\u06f4\u06f0\u066b\u06f2\u06f0 \u062f\u0644\u0627\u0631 \u0634\u0627\u0645\u0644 \u0627\u0635\u0644 \u0648 \u0628\u0647\u0631\u0647 \u0627\u0633\u062a\u060c \u0627\u0645\u0627 \u0628\u062f\u0648\u0646 \u0645\u0627\u0644\u06cc\u0627\u062a\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u0630\u062e\u06cc\u0631\u0647 \u06cc\u0627 \u06a9\u0627\u0631\u0645\u0632\u062f.<\/span><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u0686\u0646\u062f \u0646\u06a9\u062a\u0647 \u0631\u0627 \u06a9\u0647 \u0628\u0627\u06cc\u062f \u062f\u0631 \u0645\u0648\u0631\u062f \u0639\u0645\u0644\u06a9\u0631\u062f PMT \u0628\u0647 \u062e\u0627\u0637\u0631 \u0628\u0633\u067e\u0627\u0631\u06cc\u062f:<\/span><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">#NUM!\u00a0 \u062e\u0637\u0627 &#8211; \u0632\u0645\u0627\u0646\u06cc \u0631\u062e \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647:<\/span>\n<ol class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">\u0645\u0642\u062f\u0627\u0631 \u0646\u0631\u062e \u062f\u0627\u062f\u0647 \u0634\u062f\u0647 \u06a9\u0645\u062a\u0631 \u06cc\u0627 \u0645\u0633\u0627\u0648\u06cc \u06f1- \u0627\u0633\u062a.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0645\u0642\u062f\u0627\u0631 nper \u062f\u0627\u062f\u0647 \u0634\u062f\u0647 \u0628\u0631\u0627\u0628\u0631 \u0628\u0627 \u06f0 \u0627\u0633\u062a.<\/span><\/li>\n<\/ol>\n<\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0627\u0631\u0632\u0634\u00a0\u062e\u0637\u0627 &#8211; \u0632\u0645\u0627\u0646\u06cc \u0631\u062e \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0647\u0631 \u06cc\u06a9 \u0627\u0632 \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc \u0627\u0631\u0627\u0626\u0647 \u0634\u062f\u0647 \u063a\u06cc\u0631 \u0639\u062f\u062f\u06cc \u0628\u0627\u0634\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0647\u0646\u06af\u0627\u0645 \u0645\u062d\u0627\u0633\u0628\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627\u06cc \u0645\u0627\u0647\u0627\u0646\u0647 \u06cc\u0627 \u0633\u0647 \u0645\u0627\u0647\u0647\u060c \u0628\u0627\u06cc\u062f \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u06cc\u0627 \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u0645\u0627\u0647 \u06cc\u0627 \u0641\u0635\u0644 \u062a\u0628\u062f\u06cc\u0644 \u06a9\u0646\u06cc\u0645.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0627\u06af\u0631 \u0628\u062e\u0648\u0627\u0647\u06cc\u0645 \u06a9\u0644 \u0645\u0628\u0644\u063a \u067e\u0631\u062f\u0627\u062e\u062a \u0634\u062f\u0647 \u0628\u0631\u0627\u06cc \u0645\u062f\u062a \u0648\u0627\u0645 \u0631\u0627 \u062f\u0631\u06cc\u0627\u0628\u06cc\u0645\u060c \u0628\u0627\u06cc\u062f PMT \u0645\u062d\u0627\u0633\u0628\u0647 \u0634\u062f\u0647 \u0631\u0627 \u062f\u0631 nper \u0636\u0631\u0628 \u06a9\u0646\u06cc\u0645.<\/span><\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 IPMT \u0686\u06cc\u0633\u062a\u061f<\/span><\/h4>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 IPMT \u06cc\u06a9 \u062a\u0627\u0628\u0639 \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a \u06a9\u0647 \u062c\u0632\u0648 \u062a\u0648\u0627\u0628\u0639 \u0645\u0627\u0644\u06cc \u0622\u0646 \u0637\u0628\u0642\u0647 \u0628\u0646\u062f\u06cc \u0645\u06cc\u200c\u0634\u0648\u062f.&nbsp;\u062a\u0627\u0628\u0639 \u0645\u0630\u06a9\u0648\u0631\u060c \u0628\u062e\u0634 \u0628\u0647\u0631\u0647 \u0631\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u062f\u0648\u0631\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0648\u0627\u0645 \u0645\u0639\u06cc\u0646\u060c \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0645\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u0645 \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 IPMT\u060c \u0645\u06cc\u0632\u0627\u0646 \u0633\u0648\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u0631\u0627 \u0628\u0631\u0627\u06cc \u0627\u0648\u0644\u06cc\u0646 \u062f\u0648\u0631\u0647\u060c \u0622\u062e\u0631\u06cc\u0646 \u062f\u0648\u0631\u0647 \u06cc\u0627 \u0647\u0631 \u062f\u0648\u0631\u0647\u200c\u0627\u06cc \u062f\u0631 \u0628\u06cc\u0646 \u0622\u0646 \u0645\u062d\u0627\u0633\u0628\u0647 \u06a9\u0646\u06cc\u0645.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9&nbsp;\u062a\u062d\u0644\u06cc\u0644\u06af\u0631 \u0645\u0627\u0644\u06cc\u060c \u0645\u0627 \u0627\u063a\u0644\u0628 \u0639\u0644\u0627\u0642\u0647 \u0645\u0646\u062f \u0628\u0647 \u062f\u0627\u0646\u0633\u062a\u0646 \u0645\u0624\u0644\u0641\u0647 \u0627\u0635\u0644\u06cc \u0648 \u0645\u0624\u0644\u0641\u0647 \u0633\u0648\u062f \u067e\u0631\u062f\u0627\u062e\u062a \u0648\u0627\u0645 \u0628\u0631\u0627\u06cc \u06cc\u06a9 \u062f\u0648\u0631\u0647 \u062e\u0627\u0635 \u0647\u0633\u062a\u06cc\u0645&nbsp;IPMT \u0628\u0647 \u0645\u062d\u0627\u0633\u0628\u0647 \u0645\u0642\u062f\u0627\u0631 \u06a9\u0645\u06a9 \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0641\u0631\u0645\u0648\u0644<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">=IPMT(Rate\u060c per\u060c nper\u060c pv\u060c [fv]\u060c [Type])<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062a\u0627\u0628\u0639 IPMT \u0627\u0632 \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc \u0632\u06cc\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f:<\/span><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">Rate: \u0627\u06cc\u0646 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u062f\u0631 \u0647\u0631 \u062f\u0648\u0631\u0647 \u0627\u0633\u062a.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Per: \u0627\u06cc\u0646 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0628\u0631\u0627\u06cc \u062f\u0648\u0631\u0647\u200c\u0627\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u0645 \u0622\u0646 \u0631\u0627 \u067e\u06cc\u062f\u0627 \u06a9\u0646\u06cc\u0645 \u0648 \u0628\u0627\u06cc\u062f \u062f\u0631 \u0645\u062d\u062f\u0648\u062f\u0647 \u06f1 \u062a\u0627 nper \u0628\u0627\u0634\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Nper: \u062a\u0639\u062f\u0627\u062f \u06a9\u0644 \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc \u067e\u0631\u062f\u0627\u062e\u062a \u0627\u0633\u062a.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Pv: \u0627\u06cc\u0646 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0645\u0642\u062f\u0627\u0631 \u0641\u0639\u0644\u06cc \u06cc\u0627 \u0645\u0628\u0644\u063a \u06cc\u06a9\u062c\u0627 \u0627\u0633\u062a \u06a9\u0647 \u06cc\u06a9 \u0633\u0631\u06cc \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0622\u062a\u06cc \u0631\u0627 \u0634\u0627\u0645\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Fv: \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06cc\u0627 \u0645\u0648\u062c\u0648\u062f\u06cc \u0646\u0642\u062f\u06cc \u06a9\u0647 \u0645\u0627\u06cc\u0644\u06cc\u0645 \u067e\u0633 \u0627\u0632 \u0627\u0646\u062c\u0627\u0645 \u0622\u062e\u0631\u06cc\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u0647 \u062f\u0633\u062a \u0622\u0648\u0631\u06cc\u0645. \u0627\u06af\u0631 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 Fv \u0631\u0627 \u062d\u0630\u0641 \u06a9\u0646\u06cc\u062f\u060c \u062a\u0627\u0628\u0639 \u0622\u0646 \u0631\u0627 \u0635\u0641\u0631 \u0641\u0631\u0636 \u0645\u06cc\u200c\u06a9\u0646\u062f \u0648\u00a0\u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06cc\u06a9 \u0648\u0627\u0645 \u0635\u0641\u0631 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">Type: \u06cc\u06a9 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0627\u062e\u062a\u06cc\u0627\u0631\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0627\u0639\u062f\u0627\u062f \u06f0 \u06cc\u0627 \u06f1 \u0631\u0627 \u0645\u06cc\u200c\u067e\u0630\u06cc\u0631\u062f \u0648 \u0632\u0645\u0627\u0646 \u067e\u0631\u062f\u0627\u062e\u062a \u0631\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f.\u00a0\u0627\u06af\u0631 \u062d\u0630\u0641 \u0634\u0648\u062f\u060c \u06f0 \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f. \u0627\u06af\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u062f\u0648\u0631\u0647 \u0647\u0633\u062a\u0646\u062f\u060c \u0646\u0648\u0639 \u0631\u0627 \u0628\u0627\u06cc\u062f \u0631\u0648\u06cc \u06f0 \u062a\u0646\u0638\u06cc\u0645 \u06a9\u0646\u06cc\u062f \u0648 \u0627\u06af\u0631 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627 \u062f\u0631 \u0627\u0628\u062a\u062f\u0627\u06cc \u062f\u0648\u0631\u0647 \u0633\u0631\u0631\u0633\u06cc\u062f \u0627\u0633\u062a\u060c \u0628\u0627\u06cc\u062f \u0622\u0646 \u0631\u0627 \u0631\u0648\u06cc \u06f1 \u062a\u0646\u0638\u06cc\u0645 \u06a9\u0646\u06cc\u062f.<\/span><\/li>\n<\/ol>\n\n\n<div class=\"jet-listing-grid--50192\" style=\"\"><style><\/style><section class=\"zht-related-post\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/Article\" role=\"region\"\n  aria-label=\"Related article\">\n  <div class=\"zht-related-post-section-label\">\n    \u0645\u0637\u0627\u0644\u0628 \u0645\u0631\u062a\u0628\u0637\n  <\/div>\n  <img decoding=\"async\" width=\"300\" height=\"169\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/i-8-300x169.jpg\" class=\"attachment-medium size-medium wp-post-image lazyload\" alt=\"\u0645\u062d\u0627\u0633\u0628\u0627\u062a \u0645\u0627\u062a\u0631\u06cc\u0633\u06cc \u062f\u0631 \u0627\u06a9\u0633\u0644\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/i-8-300x169.jpg 300w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/i-8.jpg 480w\" data-sizes=\"(max-width: 300px) 100vw, 300px\" title=\"\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\">\n  <a href=\"https:\/\/maktabkhooneh.org\/mag\/matrix-calculations-in-excel\/\" class=\"zht-related-post-title\"\n    itemprop=\"headline\" target=\"_blank\">\u0645\u062d\u0627\u0633\u0628\u0627\u062a \u0645\u0627\u062a\u0631\u06cc\u0633\u06cc \u062f\u0631 \u0627\u06a9\u0633\u0644<\/a>\n<\/section><\/div>\n\n\n<h4 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 IPMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f<\/span><\/h4>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9 \u062a\u0627\u0628\u0639 \u06a9\u0627\u0631\u0628\u0631\u06af\u060c IPMT \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0628\u062e\u0634\u06cc \u0627\u0632 \u06cc\u06a9 \u0641\u0631\u0645\u0648\u0644 \u062f\u0631 \u0633\u0644\u0648\u0644 \u06cc\u06a9 \u06a9\u0627\u0631\u0628\u0631\u06af \u0648\u0627\u0631\u062f \u06a9\u0631\u062f.<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0628\u0631\u0627\u06cc \u062f\u0631\u06a9 \u06a9\u0627\u0631\u0628\u0631\u062f\u0647\u0627\u06cc \u062a\u0627\u0628\u0639 IPMT\u060c \u0627\u062c\u0627\u0632\u0647 \u062f\u0647\u06cc\u062f \u0686\u0646\u062f \u0645\u062b\u0627\u0644 \u0631\u0627 \u062f\u0631 \u0646\u0638\u0631 \u0628\u06af\u06cc\u0631\u06cc\u0645:<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0645\u062b\u0627\u0644 \u06f1<\/span><\/p>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0641\u0631\u0636 \u06a9\u0646\u06cc\u062f \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u0632\u06cc\u0631 \u0628\u0647 \u0645\u0627 \u062f\u0627\u062f\u0647 \u0634\u062f\u0647 \u0627\u0633\u062a:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"313\" height=\"198\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 IPMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27727 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f.jpg 313w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-300x190.jpg 300w\" data-sizes=\"(max-width: 313px) 100vw, 313px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 313px; --smush-placeholder-aspect-ratio: 313\/198;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0645\u0627 \u0627\u0632 \u062a\u0627\u0628\u0639 IPMT \u0628\u0631\u0627\u06cc \u0645\u062d\u0627\u0633\u0628\u0647 \u0633\u0648\u062f \u067e\u0631\u062f\u0627\u062e\u062a\u06cc \u062f\u0631 \u0645\u0627\u0647\u200c\u0647\u0627\u06cc \u06f1 \u0648 \u06f2 \u0648\u0627\u0645 \u06f5\u06f0\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631\u06cc \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u062e\u0648\u0627\u0647\u06cc\u0645 \u06a9\u0631\u062f \u06a9\u0647 \u0642\u0631\u0627\u0631 \u0627\u0633\u062a \u067e\u0633 \u0627\u0632 \u06f5 \u0633\u0627\u0644 \u0628\u0647 \u0637\u0648\u0631 \u06a9\u0627\u0645\u0644 \u067e\u0631\u062f\u0627\u062e\u062a \u0634\u0648\u062f. \u0633\u0648\u062f \u0628\u0627 \u0646\u0631\u062e \u06f5% \u062f\u0631 \u0633\u0627\u0644 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u0634\u0648\u062f \u0648 \u067e\u0631\u062f\u0627\u062e\u062a \u0648\u0627\u0645 \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0647\u0631 \u0645\u0627\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f.&nbsp;<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"353\" height=\"284\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 IPMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27728 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1.jpg 353w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/smush-webp\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-1-300x241.jpg.webp 300w\" data-sizes=\"(max-width: 353px) 100vw, 353px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 353px; --smush-placeholder-aspect-ratio: 353\/284;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u0646\u062a\u0627\u06cc\u062c \u062f\u0631 \u0632\u06cc\u0631 \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u0646\u062f:<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><img decoding=\"async\" width=\"382\" height=\"270\" data-src=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2.jpg\" alt=\"\u0686\u06af\u0648\u0646\u0647 \u0627\u0632 \u062a\u0627\u0628\u0639 IPMT \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645\u061f\" class=\"wp-image-27729 lazyload\" title=\"\" data-srcset=\"https:\/\/maktabkhooneh.org\/mag\/wp-content\/uploads\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2.jpg 382w, https:\/\/maktabkhooneh.org\/mag\/wp-content\/smush-webp\/2021\/11\/\u0686\u06af\u0648\u0646\u0647-\u0627\u0632-\u062a\u0627\u0628\u0639-IPMT-\u062f\u0631-\u0627\u06a9\u0633\u0644-\u0627\u0633\u062a\u0641\u0627\u062f\u0647-\u06a9\u0646\u06cc\u0645\u061f-2-300x212.jpg.webp 300w\" data-sizes=\"(max-width: 382px) 100vw, 382px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 382px; --smush-placeholder-aspect-ratio: 382\/270;\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p><span style=\"font-size: 14px;\">\u062f\u0631 \u0645\u062b\u0627\u0644 \u0628\u0627\u0644\u0627:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">\u0627\u0632 \u0622\u0646\u062c\u0627\u06cc\u06cc \u06a9\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0645\u0627\u0647\u0627\u0646\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u0634\u0648\u062f\u060c \u0644\u0627\u0632\u0645 \u0628\u0648\u062f \u0646\u0631\u062e \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u06f5% \u0628\u0647 \u0646\u0631\u062e \u0645\u0627\u0647\u0627\u0646\u0647 (=\u06f5%\/\u06f1\u06f2) \u0648 \u062a\u0639\u062f\u0627\u062f \u062f\u0648\u0631\u0647\u200c\u0647\u0627 \u0627\u0632 \u0633\u0627\u0644 \u0628\u0647 \u0645\u0627\u0647 (=\u06f5*\u06f1\u06f2) \u062a\u0628\u062f\u06cc\u0644 \u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u0628\u0627 \u0645\u0642\u062f\u0627\u0631 \u067e\u06cc\u0634 \u0628\u06cc\u0646\u06cc = \u06f0 \u0648 \u067e\u0631\u062f\u0627\u062e\u062a \u062f\u0631 \u067e\u0627\u06cc\u0627\u0646 \u0645\u0627\u0647\u060c \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc [fv] \u0648 [type] \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0627\u0632 \u062a\u0648\u0627\u0628\u0639 \u0628\u0627\u0644\u0627 \u062d\u0630\u0641 \u06a9\u0631\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0633\u0648\u062f \u0628\u0631\u06af\u0634\u062a\u06cc \u0645\u0642\u0627\u062f\u06cc\u0631 \u0645\u0646\u0641\u06cc \u0647\u0633\u062a\u0646\u062f\u060c \u0632\u06cc\u0631\u0627 \u0646\u0634\u0627\u0646\u200c\u062f\u0647\u0646\u062f\u0647 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u062e\u0631\u0648\u062c\u06cc (\u0628\u0631\u0627\u06cc \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0648\u0627\u0645 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f) &#8211; \u0628\u0647 \u0647\u0645\u06cc\u0646 \u062f\u0644\u06cc\u0644 \u0627\u0633\u062a \u06a9\u0647 \u0645\u0627 \u0645\u0628\u0644\u063a \u0648\u0627\u0645 \u0631\u0627 \u0645\u0646\u0641\u06cc (-B2) \u062f\u0631 \u0646\u0638\u0631 \u06af\u0631\u0641\u062a\u06cc\u0645.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u0686\u06cc\u0632\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0628\u0627\u06cc\u062f \u062f\u0631 \u0645\u0648\u0631\u062f \u062a\u0627\u0628\u0639 IPMT \u0628\u0647 \u062e\u0627\u0637\u0631 \u0628\u0633\u067e\u0627\u0631\u06cc\u062f<\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><span style=\"font-size: 14px;\">\u0645\u0627 \u0628\u0627\u06cc\u062f \u0645\u0637\u0645\u0626\u0646 \u0634\u0648\u06cc\u0645 \u06a9\u0647 \u0648\u0627\u062d\u062f\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0628\u0631\u0627\u06cc \u062a\u0639\u06cc\u06cc\u0646 \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc rate \u0648 nper \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u06cc\u0645 \u0645\u0646\u0627\u0633\u0628 \u0647\u0633\u062a\u0646\u062f.\u00a0\u0627\u06af\u0631 \u0645\u0627\u0647\u0627\u0646\u0647 \u0648\u0627\u0645 \u06f4 \u0633\u0627\u0644\u0647 \u0631\u0627 \u0628\u0627 \u0633\u0648\u062f \u0633\u0627\u0644\u0627\u0646\u0647 \u06f2\u06f4% \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u0645\u060c \u0628\u0627\u06cc\u062f \u0627\u0632 \u06f2\u06f4%\/\u06f1\u06f2 \u0628\u0631\u0627\u06cc \u0646\u0631\u062e \u0648 \u06f4*\u06f2\u06f4 \u0628\u0631\u0627\u06cc nper \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u0645. \u0627\u06af\u0631 \u0628\u0627 \u0647\u0645\u0627\u0646 \u0648\u0627\u0645 \u0633\u0627\u0644\u0627\u0646\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0645\u06cc\u200c\u06a9\u0646\u06cc\u062f\u060c \u0627\u0632 \u06f2\u06f4% \u0628\u0631\u0627\u06cc \u0646\u0631\u062e \u0648 \u06f4 \u0628\u0631\u0627\u06cc nper \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06a9\u0646\u06cc\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">\u067e\u0648\u0644 \u0646\u0642\u062f \u067e\u0631\u062f\u0627\u062e\u062a \u0634\u062f\u0647 (\u0645\u0627\u0646\u0646\u062f \u0648\u0627\u0645) \u0628\u0647 \u0635\u0648\u0631\u062a \u0627\u0639\u062f\u0627\u062f \u0645\u0646\u0641\u06cc \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.\u00a0\u0648\u062c\u0647 \u0646\u0642\u062f \u062f\u0631\u06cc\u0627\u0641\u062a\u06cc (\u0627\u0632 \u06cc\u06a9 \u0633\u0631\u0645\u0627\u06cc\u0647 \u06af\u0630\u0627\u0631\u06cc) \u0628\u0647 \u0635\u0648\u0631\u062a \u0627\u0639\u062f\u0627\u062f \u0645\u062b\u0628\u062a \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0647 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">#NUM!\u00a0\u062e\u0637\u0627 \u2013 \u062f\u0631 \u0635\u0648\u0631\u062a\u06cc \u0631\u062e \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0622\u0631\u06af\u0648\u0645\u0627\u0646 \u0627\u0631\u0627\u0626\u0647 \u0634\u062f\u0647 \u06a9\u0645\u062a\u0631 \u0627\u0632 \u0635\u0641\u0631 \u06cc\u0627 \u0628\u0632\u0631\u06af\u062a\u0631 \u0627\u0632 \u0645\u0642\u062f\u0627\u0631 \u0627\u0631\u0627\u0626\u0647 \u0634\u062f\u0647 nper \u0628\u0627\u0634\u062f.<\/span><\/li>\n\n\n\n<li><span style=\"font-size: 14px;\">#\u0627\u0631\u0632\u0634!\u00a0\u062e\u0637\u0627 \u2013 \u0632\u0645\u0627\u0646\u06cc \u0631\u062e \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0647\u0631 \u06cc\u06a9 \u0627\u0632 \u0622\u0631\u06af\u0648\u0645\u0627\u0646\u200c\u0647\u0627\u06cc \u062f\u0627\u062f\u0647 \u0634\u062f\u0647 \u063a\u06cc\u0631 \u0639\u062f\u062f\u06cc \u0628\u0627\u0634\u062f.<\/span><\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span style=\"font-size: 14px;\">\u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0627\u06a9\u0633\u0644 \u0628\u0647 \u0635\u0648\u0631\u062a \u062d\u0631\u0641\u0647\u200c\u0627\u06cc \u0628\u0627 \u0645\u06a9\u062a\u0628 \u062e\u0648\u0646\u0647&nbsp;<\/span><\/h2>\n\n\n\n<p>\u0686\u0631\u0627 \u0628\u0631\u0627\u06cc \u0627\u0646\u062c\u0627\u0645 \u06a9\u0627\u0631\u0647\u0627\u06cc \u0633\u0627\u062f\u0647 \u062f\u0631 \u0627\u06a9\u0633\u0644 \u0633\u0627\u0639\u062a\u200c\u0647\u0627 \u0648\u0642\u062a \u0645\u06cc\u200c\u06af\u0630\u0627\u0631\u06cc\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u062f\u0631 \u0686\u0646\u062f \u062f\u0642\u06cc\u0642\u0647 \u0627\u0646\u062c\u0627\u0645 \u062f\u0647\u06cc\u062f\u061f \u0627\u06af\u0631 \u0645\u06cc\u200c\u062e\u0648\u0627\u0647\u06cc\u062f \u0628\u0627 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0641\u0631\u0645\u0648\u0644\u200c\u0647\u0627\u06cc \u062d\u0631\u0641\u0647\u200c\u0627\u06cc\u060c \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0648 \u062a\u06a9\u0646\u06cc\u06a9\u200c\u0647\u0627\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f\u06cc\u060c \u0633\u0631\u0639\u062a \u0648 \u062f\u0642\u062a \u06a9\u0627\u0631 \u062e\u0648\u062f \u0631\u0627 \u0686\u0646\u062f \u0628\u0631\u0627\u0628\u0631 \u06a9\u0646\u06cc\u062f\u060c \u062f\u0648\u0631\u0647\u200c\u0647\u0627\u06cc <a href=\"https:\/\/maktabkhooneh.org\/learn\/excel\/\">\u0622\u0645\u0648\u0632\u0634 \u0627\u06a9\u0633\u0644<\/a> \u0648 <a href=\"https:\/\/maktabkhooneh.org\/learn\/excel-accounting\/\">\u0622\u0645\u0648\u0632\u0634 \u0627\u06a9\u0633\u0644 \u0628\u0631\u0627\u06cc \u062d\u0633\u0627\u0628\u062f\u0627\u0631\u06cc<\/a> \u0645\u06a9\u062a\u0628\u200c\u062e\u0648\u0646\u0647 \u0628\u0647\u062a\u0631\u06cc\u0646 \u0631\u0627\u0647 \u0628\u0631\u0627\u06cc \u0634\u0645\u0627\u0633\u062a. \u0647\u0645\u0686\u0646\u06cc\u0646 \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0645\u06a9\u0645\u0644 \u0628\u062d\u062b \u0628\u0627\u0644\u0627 \u062f\u0648\u0631\u0647 <a href=\"https:\/\/maktabkhooneh.org\/course\/%D8%A2%D9%85%D9%88%D8%B2%D8%B4-%D9%81%D8%B1%D9%85%D9%88%D9%84-%D8%AA%D9%88%D8%A7%D8%A8%D8%B9-%D9%BE%DB%8C%D8%B4%D8%B1%D9%81%D8%AA%D9%87-%D8%A7%DA%A9%D8%B3%D9%84-mk2121\/\">\u0622\u0645\u0648\u0632\u0634 \u0641\u0631\u0645\u0648\u0644 \u0646\u0648\u06cc\u0633\u06cc \u062f\u0631 \u0627\u06a9\u0633\u0644<\/a> \u0645\u06a9\u062a\u0628 \u062e\u0648\u0646\u0647\u060c \u0628\u0633\u06cc\u0627\u0631 \u0645\u0641\u06cc\u062f \u0648\u0627\u0642\u0639 \u062e\u0648\u0627\u0647\u062f \u0634\u062f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0628\u0631\u0627\u06cc \u0646\u0634\u0627\u0646 \u062f\u0627\u062f\u0646&nbsp;\u0645\u062d\u0628\u0648\u0628\u200c\u062a\u0631\u06cc\u0646&nbsp;\u0639\u0645\u0644\u06a9\u0631\u062f\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc&nbsp;\u0627\u06a9\u0633\u0644\u060c \u0645\u0627&nbsp;\u0648\u0627\u0645\u06cc \u0631\u0627&nbsp;\u0628\u0627 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0645\u0627\u0647\u0627\u0646\u0647\u060c \u0646\u0631\u062e \u0628\u0647\u0631\u0647 \u0633\u0627\u0644\u0627\u0646\u0647 \u06f6 \u062f\u0631\u0635\u062f\u060c \u0645\u062f\u062a \u06f2\u06f0 \u0633\u0627\u0644\u060c \u0627\u0631\u0632\u0634 \u0641\u0639\u0644\u06cc \u06f1\u06f5\u06f0\u06f0\u06f0\u06f0 \u062f\u0644\u0627\u0631 (\u0645\u0628\u0644\u063a \u0642\u0631\u0636\u200c\u06af\u0631\u0641\u062a\u0647 \u0634\u062f\u0647) \u0648 \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u06f0 \u062f\u0631&nbsp;\u0646\u0638\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u06cc\u0645. \u0627\u06cc\u0646 \u0647\u0645\u0627\u0646 \u0686\u06cc\u0632\u06cc \u0627\u0633\u062a \u06a9\u0647 \u0634\u0645\u0627 \u0628\u0627\u06cc\u062f \u0628\u0647 \u0639\u0646\u0648\u0627\u0646 \u0648\u0627\u0645 \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u06cc\u062f. \u0645\u0627 \u067e\u0631\u062f\u0627\u062e\u062a\u200c\u0647\u0627\u06cc \u0648\u0627\u0645 \u0631\u0627 \u0645\u0639\u0645\u0648\u0644\u0627\u064b \u0645\u0627\u0647\u0627\u0646\u0647 \u0627\u0646\u062c\u0627\u0645 \u0645\u06cc\u200c\u062f\u0647\u06cc\u0645\u060c \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0627\u0632 \u06f6%\/\u06f1\u06f2 = \u06f0\u066b\u06f5% \u0628\u0631\u0627\u06cc 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