{"id":691449,"date":"2024-06-07T10:34:28","date_gmt":"2024-06-07T10:34:28","guid":{"rendered":"https:\/\/talkpal.ai\/vocabulary\/%d8%a7%d9%84%d9%85%d9%81%d8%b1%d8%af%d8%a7%d8%aa-%d8%a7%d9%84%d9%81%d9%8a%d8%aa%d9%86%d8%a7%d9%85%d9%8a%d8%a9-%d9%84%d9%84%d8%ae%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a\/"},"modified":"2024-06-07T10:34:28","modified_gmt":"2024-06-07T10:34:28","slug":"%d8%a7%d9%84%d9%85%d9%81%d8%b1%d8%af%d8%a7%d8%aa-%d8%a7%d9%84%d9%81%d9%8a%d8%aa%d9%86%d8%a7%d9%85%d9%8a%d8%a9-%d9%84%d9%84%d8%ae%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a","status":"publish","type":"vocabulary","link":"https:\/\/talkpal.ai\/ar\/vocabulary\/%d8%a7%d9%84%d9%85%d9%81%d8%b1%d8%af%d8%a7%d8%aa-%d8%a7%d9%84%d9%81%d9%8a%d8%aa%d9%86%d8%a7%d9%85%d9%8a%d8%a9-%d9%84%d9%84%d8%ae%d8%af%d9%85%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a\/","title":{"rendered":"\u0627\u0644\u0645\u0641\u0631\u062f\u0627\u062a \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629"},"content":{"rendered":"

\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062c\u0632\u0621\u064b\u0627 \u0645\u0647\u0645\u064b\u0627 \u0645\u0646 \u062d\u064a\u0627\u062a\u0646\u0627 \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0639\u0646\u062f\u0645\u0627 \u0646\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0623\u0645\u0648\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0628\u0644\u062f \u0623\u062c\u0646\u0628\u064a. \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u062e\u0637\u0637 \u0644\u0644\u0633\u0641\u0631 \u0625\u0644\u0649 \u0641\u064a\u062a\u0646\u0627\u0645 \u0623\u0648 \u0644\u062f\u064a\u0643 \u0623\u0639\u0645\u0627\u0644 \u062a\u062c\u0627\u0631\u064a\u0629 \u0647\u0646\u0627\u0643\u060c \u0641\u0625\u0646 \u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0641\u0631\u062f\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u0641\u064a\u062f\u064b\u0627 \u0644\u0644\u063a\u0627\u064a\u0629. \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644\u060c \u0633\u0646\u0633\u062a\u0639\u0631\u0636 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0648\u0627\u0644\u0639\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0634\u0631\u062d \u0644\u0643\u0644 \u0643\u0644\u0645\u0629 \u0648\u062c\u0645\u0644\u0629 \u0645\u062b\u0627\u0644.<\/p>\n

\u0627\u0644\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/h2>\n

Ng\u00e2n h\u00e0ng<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0628\u0646\u0643” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i mu\u1ed1n m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n t\u1ea1i ng\u00e2n h\u00e0ng n\u00e0y.<\/font><\/p>\n

T\u00e0i kho\u1ea3n<\/b>: \u062a\u0639\u0646\u064a “\u062d\u0633\u0627\u0628” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i c\u1ea7n ki\u1ec3m tra<\/a> s\u1ed1 d\u01b0 trong t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh.<\/font><\/p>\n

Ti\u1ec1n m\u1eb7t<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0646\u0642\u062f” \u0623\u0648 “\u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0646\u0642\u062f\u064a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i s\u1ebd tr\u1ea3 b\u1eb1ng ti\u1ec1n m\u1eb7t.<\/font><\/p>\n

Th\u1ebb t\u00edn d\u1ee5ng<\/b>: \u062a\u0639\u0646\u064a “\u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nB\u1ea1n c\u00f3 ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng th\u1ebb t\u00edn d\u1ee5ng<\/a> kh\u00f4ng?<\/font><\/p>\n

Th\u1ebb ghi n\u1ee3<\/b>: \u062a\u0639\u0646\u064a “\u0628\u0637\u0627\u0642\u0629 \u062e\u0635\u0645” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i \u0111\u00e3 s\u1eed d\u1ee5ng th\u1ebb ghi n\u1ee3 \u0111\u1ec3 r\u00fat ti\u1ec1n.<\/font><\/p>\n

Chuy\u1ec3n kho\u1ea3n<\/b>: \u062a\u0639\u0646\u064a “\u062a\u062d\u0648\u064a\u0644 \u0628\u0646\u0643\u064a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i mu\u1ed1n chuy\u1ec3n kho\u1ea3n sang t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n.<\/font><\/p>\n

\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629<\/h3>\n

L\u00e3i su\u1ea5t<\/b>: \u062a\u0639\u0646\u064a “\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nL\u00e3i su\u1ea5t cho kho\u1ea3n vay n\u00e0y l\u00e0 bao nhi\u00eau?<\/font><\/p>\n

Kho\u1ea3n vay<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0642\u0631\u0636” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i c\u1ea7n m\u1ed9t kho\u1ea3n vay \u0111\u1ec3 mua nh\u00e0.<\/font><\/p>\n

Ti\u1ec1n g\u1eedi<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0648\u062f\u064a\u0639\u0629” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i s\u1ebd g\u1eedi m\u1ed9t s\u1ed1 ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m.<\/font><\/p>\n

Ti\u1ec1n l\u01b0\u01a1ng<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0631\u0627\u062a\u0628” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nTi\u1ec1n l\u01b0\u01a1ng c\u1ee7a t\u00f4i \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng m\u1ed7i th\u00e1ng.<\/font><\/p>\n

Ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i th\u01b0\u1eddng s\u1eed d\u1ee5ng ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn \u0111\u1ec3 ki\u1ec3m tra t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh.<\/font><\/p>\n

M\u00e1y ATM<\/b>: \u062a\u0639\u0646\u064a “\u062c\u0647\u0627\u0632 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nB\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y m\u1ed9t m\u00e1y ATM \u1edf g\u00f3c ph\u1ed1.<\/font><\/p>\n

\u0645\u0641\u0631\u062f\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629<\/h2>\n

Ph\u00ed d\u1ecbch v\u1ee5<\/b>: \u062a\u0639\u0646\u064a “\u0631\u0633\u0648\u0645 \u0627\u0644\u062e\u062f\u0645\u0629” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nNg\u00e2n h\u00e0ng n\u00e0y c\u00f3 ph\u00ed d\u1ecbch v\u1ee5 th\u1ea5p.<\/font><\/p>\n

T\u00e0i s\u1ea3n<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0623\u0635\u0648\u0644” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o t\u00e0i s\u1ea3n b\u1ea5t \u0111\u1ed9ng s\u1ea3n.<\/font><\/p>\n

N\u1ee3<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062f\u064a\u0646” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i c\u1ea7n thanh to\u00e1n n\u1ee3 c\u1ee7a m\u00ecnh s\u1edbm.<\/font><\/p>\n

Ch\u1ee9ng kho\u00e1n<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629” \u0623\u0648 “\u0627\u0644\u0623\u0633\u0647\u0645” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i \u0111ang mua ch\u1ee9ng kho\u00e1n tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n.<\/font><\/p>\n

Th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n<\/b>: \u062a\u0639\u0646\u064a “\u0633\u0648\u0642 \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nTh\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n \u0111ang t\u0103ng tr\u01b0\u1edfng m\u1ea1nh.<\/font><\/p>\n

Qu\u1ef9 \u0111\u1ea7u t\u01b0<\/b>: \u062a\u0639\u0646\u064a “\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ed9t qu\u1ef9 \u0111\u1ea7u t\u01b0 m\u1edbi.<\/font><\/p>\n

L\u1ee3i nhu\u1eadn<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0623\u0631\u0628\u0627\u062d” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nL\u1ee3i nhu\u1eadn c\u1ee7a c\u00f4ng ty \u0111\u00e3 t\u0103ng trong n\u0103m nay.<\/font><\/p>\n

\u0645\u0641\u0631\u062f\u0627\u062a \u0645\u062a\u062e\u0635\u0635\u0629<\/h3>\n

Chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062f\u0648\u0644\u064a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i c\u1ea7n chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf cho gia \u0111\u00ecnh.<\/font><\/p>\n

Th\u1ebb tr\u1ea3 tr\u01b0\u1edbc<\/b>: \u062a\u0639\u0646\u064a “\u0628\u0637\u0627\u0642\u0629 \u0645\u0633\u0628\u0642\u0629 \u0627\u0644\u062f\u0641\u0639” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i s\u1eed d\u1ee5ng th\u1ebb tr\u1ea3 tr\u01b0\u1edbc \u0111\u1ec3 ki\u1ec3m so\u00e1t chi ti\u00eau c\u1ee7a m\u00ecnh.<\/font><\/p>\n

B\u1ea3o hi\u1ec3m<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062a\u0623\u0645\u064a\u0646” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i \u0111\u00e3 mua b\u1ea3o hi\u1ec3m y t\u1ebf cho gia \u0111\u00ecnh.<\/font><\/p>\n

Chi ph\u00ed<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062a\u0643\u0644\u0641\u0629” \u0623\u0648 “\u0627\u0644\u0646\u0641\u0642\u0627\u062a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nChi ph\u00ed sinh ho\u1ea1t \u1edf th\u00e0nh ph\u1ed1 n\u00e0y r\u1ea5t cao.<\/font><\/p>\n

Thu nh\u1eadp<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062f\u062e\u0644” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nThu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a t\u00f4i l\u00e0 \u0111\u1ee7 \u0111\u1ec3 trang<\/a> tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t.<\/font><\/p>\n

T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nQu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 r\u1ea5t quan tr\u1ecdng.<\/font><\/p>\n

Ti\u1ec1n t\u1ec7<\/b>: \u062a\u0639\u0646\u064a “\u0627\u0644\u0639\u0645\u0644\u0629” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nTi\u1ec1n t\u1ec7 c\u1ee7a Vi\u1ec7t Nam l\u00e0 \u0111\u1ed3ng.<\/font><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n t\u1ec7<\/b>: \u062a\u0639\u0646\u064a “\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u062a” \u0628\u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629.
\nT\u00f4i c\u1ea7n chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n t\u1ec7 tr\u01b0\u1edbc khi \u0111i du l\u1ecbch<\/a>.<\/font><\/p>\n

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\u0627\u0633\u062a\u0645\u0631 \u0641\u064a \u0645\u0645\u0627\u0631\u0633\u0629 \u0647\u0630\u0647 \u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0648\u0627\u0644\u0639\u0628\u0627\u0631\u0627\u062a \u0644\u062a\u0635\u0628\u062d \u0623\u0643\u062b\u0631 \u0637\u0644\u0627\u0642\u0629 \u0648\u062b\u0642\u0629 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627. \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062f\u064a\u0643 \u0623\u064a \u0623\u0633\u0626\u0644\u0629 \u0623\u0648 \u062a\u0631\u063a\u0628 \u0641\u064a \u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0632\u064a\u062f \u0639\u0646 \u0645\u0648\u0636\u0648\u0639 \u0645\u0639\u064a\u0646\u060c \u0641\u0644\u0627 \u062a\u062a\u0631\u062f\u062f \u0641\u064a \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627.<\/p>\n","protected":false},"featured_media":1527921,"template":"","vocabulary_language":[3710],"class_list":["post-691449","vocabulary","type-vocabulary","status-publish","has-post-thumbnail","hentry","vocabulary_language-3710"],"acf":[],"yoast_head":"\n\u0627\u0644\u0645\u0641\u0631\u062f\u0627\u062a \u0627\u0644\u0641\u064a\u062a\u0646\u0627\u0645\u064a\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 - Talkpal<\/title>\n<meta name=\"description\" content=\"\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062c\u0632\u0621\u064b\u0627 \u0645\u0647\u0645\u064b\u0627 \u0645\u0646 \u062d\u064a\u0627\u062a\u0646\u0627 \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0639\u0646\u062f\u0645\u0627 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