{"id":46880,"date":"2018-03-19T20:00:00","date_gmt":"2018-03-19T16:00:00","guid":{"rendered":"https:\/\/shamsfz.ae\/blog\/%d8%a8%d8%b7%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7%d9%84%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86-%d8%a3%d8%ae%d8%b7%d8%a7%d8%a1-%d9%8a%d8%ac%d8%a8-%d8%aa%d8%ac%d9%86%d8%a8%d9%87%d8%a7-%d9%88%d9%86%d8%b5%d8%a7\/"},"modified":"2026-10-13T11:25:55","modified_gmt":"2026-10-13T07:25:55","slug":"%d8%a8%d8%b7%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7%d9%84%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86-%d8%a3%d8%ae%d8%b7%d8%a7%d8%a1-%d9%8a%d8%ac%d8%a8-%d8%aa%d8%ac%d9%86%d8%a8%d9%87%d8%a7-%d9%88%d9%86%d8%b5%d8%a7","status":"publish","type":"post","link":"https:\/\/shamsfz.ae\/ar\/blog\/%d8%a8%d8%b7%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7%d9%84%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86-%d8%a3%d8%ae%d8%b7%d8%a7%d8%a1-%d9%8a%d8%ac%d8%a8-%d8%aa%d8%ac%d9%86%d8%a8%d9%87%d8%a7-%d9%88%d9%86%d8%b5%d8%a7\/","title":{"rendered":"\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646: \u0623\u062e\u0637\u0627\u0621 \u064a\u062c\u0628 \u062a\u062c\u0646\u0628\u0647\u0627 \u0648\u0646\u0635\u0627\u0626\u062d \u0644\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646\u0647\u0627"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0641\u0647\u0645 \u0633\u0628\u0628 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u0625\u0642\u0628\u0627\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u062f\u0644\u064b\u0627 \u0645\u0646 \u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0648\u0631\u0642\u064a\u0629\u060c \u0641\u0647\u064a \u0648\u0633\u064a\u0644\u0629 \u062f\u0641\u0639 \u0645\u0631\u064a\u062d\u0629 \u062a\u062a\u064a\u062d \u0644\u0643 \u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0645\u0646 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062d\u0645\u0644 \u0627\u0644\u0646\u0642\u0648\u062f. <\/p>\n\n<!--more-->\n\n<p class=\"wp-block-paragraph\">\u0644\u0643\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0642\u062f \u062a\u0624\u062f\u064a \u0623\u064a\u0636\u064b\u0627 \u0625\u0644\u0649 \u062a\u0631\u0627\u0643\u0645 \u062f\u064a\u0648\u0646 \u0645\u0631\u062a\u0641\u0639\u0629\u060c \u0644\u0623\u0646\u0647\u0627 \u062a\u062a\u064a\u062d \u0644\u0643 \u0634\u0631\u0627\u0621 \u0623\u0634\u064a\u0627\u0621 \u0642\u062f \u0644\u0627 \u062a\u062a\u0645\u0643\u0646 \u0645\u0646 \u0633\u062f\u0627\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u0644\u0627\u062d\u0642\u064b\u0627. \u0641\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0644\u062f\u0641\u0639 \u0641\u0627\u062a\u0648\u0631\u0629 \u0639\u0634\u0627\u0621\u060c \u0623\u0648 \u0634\u0631\u0627\u0621 \u062c\u0647\u0627\u0632 \u062c\u062f\u064a\u062f \u0643\u0646\u062a \u062a\u0641\u0643\u0631 \u0641\u064a\u0647 \u0645\u0646\u0630 \u0641\u062a\u0631\u0629\u060c \u0623\u0648 \u0627\u0642\u062a\u0646\u0627\u0621 \u0645\u0646\u062a\u062c \u0645\u0631\u062a\u0641\u0639 \u0627\u0644\u0633\u0639\u0631 \u0645\u0646 \u0639\u0644\u0627\u0645\u0629 \u062a\u062c\u0627\u0631\u064a\u0629 \u062a\u0631\u063a\u0628 \u0641\u064a\u0647\u0627. \u0648\u0645\u0639 \u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647\u060c \u0642\u062f \u062a\u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0633\u0631\u0639\u0629 \u0645\u0646 \u062f\u0648\u0646 \u0623\u0646 \u062a\u062f\u0631\u0643 \u0630\u0644\u0643.<br\/>\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u062e\u0637\u0648\u0627\u062a \u064a\u0645\u0643\u0646\u0643 \u0627\u062a\u062e\u0627\u0630\u0647\u0627 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0648\u0642\u0648\u0639 \u0641\u064a \u062f\u064a\u0648\u0646 \u0643\u0628\u064a\u0631\u0629 \u0646\u062a\u064a\u062c\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.    <\/p>\n\n<p class=\"wp-block-paragraph\">\u0648\u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u0647\u0645 \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0648\u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u062a\u062c\u0646\u0628\u0647\u0627.<\/p>\n\n<h5 class=\"wp-block-heading\"><strong>\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/strong><\/h5>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0627\u0644\u0627\u0643\u062a\u0641\u0627\u0621 \u0628\u0633\u062f\u0627\u062f \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0639\u0646\u062f\u0645\u0627 \u062a\u0633\u062f\u062f \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u062a\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0641\u0623\u0646\u062a \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639 \u062a\u0624\u062c\u0644 \u062c\u0632\u0621\u064b\u0627 \u0643\u0628\u064a\u0631\u064b\u0627 \u0645\u0646 \u0627\u0644\u062f\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u062a\u0627\u0644\u064a. \u0648\u0639\u0627\u062f\u0629\u064b \u0645\u0627 \u062a\u062d\u062f\u062f \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0633\u062f\u0627\u062f \u0639\u0646\u062f \u0645\u0633\u062a\u0648\u0649 \u0645\u0646\u062e\u0641\u0636\u060c \u0625\u0645\u0627 \u0643\u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a \u0623\u0648 \u0643\u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u060c \u0623\u064a\u0647\u0645\u0627 \u0623\u0643\u0628\u0631. \u0648\u0642\u062f \u062a\u0637\u0644\u0628 \u0628\u0639\u0636 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0633\u062f\u0627\u062f 1% \u0623\u0648 2% \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0634\u0647\u0631\u064a\u064b\u0627\u060c \u0625\u0636\u0627\u0641\u0629\u064b \u0625\u0644\u0649 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642\u0629.<br\/>\u064a\u0633\u0627\u0639\u062f\u0643 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0633\u062f\u0627\u062f \u0647\u0630\u0647 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0641\u064a \u0645\u0648\u0639\u062f\u0647\u0627 \u0639\u0644\u0649 \u062a\u062c\u0646\u0628 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631\u060c \u0644\u0643\u0646\u0647 \u0644\u0627 \u064a\u062d\u0642\u0642 \u062a\u0642\u062f\u0645\u064b\u0627 \u0641\u0639\u0644\u064a\u064b\u0627 \u0641\u064a \u062e\u0641\u0636 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642. \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u0642\u062f \u0644\u0627 \u064a\u063a\u0637\u064a \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u062d\u062a\u0649 \u0642\u064a\u0645\u0629 \u0627\u0644\u0641\u0648\u0627\u0626\u062f\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062f\u0641\u0639 \u0641\u0648\u0627\u0626\u062f \u0623\u0643\u0628\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644 \u0628\u0633\u0628\u0628 \u0627\u0633\u062a\u063a\u0631\u0627\u0642 \u0641\u062a\u0631\u0629 \u0623\u0637\u0648\u0644 \u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062f\u064a\u0646.<br\/>\u0648\u0627\u0644\u0623\u0641\u0636\u0644 \u0647\u0648 \u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0635\u064a\u062f \u0643\u0627\u0645\u0644\u064b\u0627 \u0643\u0644 \u0634\u0647\u0631. \u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u0630\u0644\u0643 \u0645\u0645\u0643\u0646\u064b\u0627\u060c \u0641\u062d\u0627\u0648\u0644 \u062f\u0641\u0639 \u0623\u0643\u0628\u0631 \u0645\u0628\u0644\u063a \u062a\u0633\u062a\u0637\u064a\u0639 \u062a\u062d\u0645\u0651\u0644\u0647 \u0644\u062a\u0642\u0644\u064a\u0644 \u0642\u064a\u0645\u0629 \u0627\u0644\u062f\u064a\u0646 \u0627\u0644\u0645\u062a\u0628\u0642\u064a \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0629.       <\/p>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0642\u062f \u064a\u0628\u062f\u0648 \u062e\u064a\u0627\u0631 \u0633\u062d\u0628 \u0645\u0628\u0627\u0644\u063a \u0646\u0642\u062f\u064a\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u063a\u0631\u064a\u064b\u0627\u060c \u0644\u0643\u0646\u0647 \u064a\u062e\u062a\u0644\u0641 \u062a\u0645\u0627\u0645\u064b\u0627 \u0639\u0646 \u0633\u062d\u0628 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631. \u0641\u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0643\u0644\u0641\u064b\u0627\u060c \u0648\u0642\u062f \u064a\u0624\u062f\u064a \u0628\u0633\u0647\u0648\u0644\u0629 \u0625\u0644\u0649 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646.<br\/>\u0648\u0645\u0646 \u0627\u0644\u0645\u0647\u0645 \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647 \u0625\u0644\u0649 \u0645\u0627 \u064a\u0644\u064a:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0641\u062a\u0631\u0627\u062a \u0627\u0644\u0633\u0645\u0627\u062d \u0645\u0646 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0639\u0627\u062f\u0629\u064b \u0639\u0644\u0649 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0633\u062d\u0628 \u0627\u0644\u0646\u0642\u062f\u064a.<\/li>\n\n\n\n<li>\u0642\u062f \u062a\u064f\u0641\u0631\u0636 \u0641\u0648\u0627\u0626\u062f \u0645\u0631\u062a\u0641\u0639\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u0645\u0633\u062d\u0648\u0628\u0629 \u0646\u0642\u062f\u064b\u0627\u060c \u0648\u0642\u062f \u062a\u0635\u0644 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0625\u0644\u0649 \u0646\u062d\u0648 36% \u0633\u0646\u0648\u064a\u064b\u0627.<\/li>\n\n\n\n<li>\u062a\u0628\u062f\u0623 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0628\u0627\u0644\u0627\u062d\u062a\u0633\u0627\u0628 \u0645\u0646 \u0648\u0642\u062a \u0633\u062d\u0628 \u0627\u0644\u0645\u0628\u0644\u063a\u060c \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u062a\u0627\u0631\u064a\u062e \u0625\u0635\u062f\u0627\u0631 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628.<\/li>\n\n\n\n<li>\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0641\u0648\u0627\u0626\u062f\u060c \u0642\u062f \u062a\u064f\u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0639\u0644\u0649 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0633\u062d\u0628\u060c \u0625\u0645\u0627 \u0643\u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0633\u062d\u0648\u0628 \u0623\u0648 \u0643\u0645\u0628\u0644\u063a \u062b\u0627\u0628\u062a. <\/li>\n\n\n\n<li>\u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u0642\u062f \u062a\u064f\u0641\u0631\u0636 \u0623\u064a\u0636\u064b\u0627 \u0631\u0633\u0648\u0645 \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0628\u062d\u0633\u0628 \u062c\u0647\u0627\u0632 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645.<\/li>\n<\/ul>\n\n<h6 class=\"wp-block-heading\"><strong><figure><img fetchpriority=\"high\" decoding=\"async\" class=\"b-e-img\" style=\"display: block; margin-left: auto; margin-right: auto;\" src=\"https:\/\/shamsfz.ae\/wp-content\/uploads\/2025\/04\/cc-trap-5ab108794a6dc.jpg\" alt=\"&#x641;&#x62E; &#x62F;&#x64A;&#x648;&#x646; &#x628;&#x637;&#x627;&#x642;&#x627;&#x62A; &#x627;&#x644;&#x627;&#x626;&#x62A;&#x645;&#x627;&#x646;\" width=\"485\" height=\"322\"\/><\/figure><\/strong><\/h6>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0645\u0646 \u0627\u0644\u0639\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0634\u0631\u0643\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0639\u0628\u0627\u0631\u0629 &#8220;\u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629&#8221;. \u0641\u0639\u0646\u062f\u0645\u0627 \u064a\u0633\u0645\u0639 \u0627\u0644\u0628\u0639\u0636 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 &#8220;3% \u0641\u0642\u0637&#8221;\u060c \u0642\u062f \u064a\u0639\u062a\u0642\u062f\u0648\u0646 \u0623\u0646\u0647\u0627 \u0645\u0646\u062e\u0641\u0636\u0629\u060c \u062e\u0635\u0648\u0635\u064b\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u062a\u062a\u0631\u0627\u0648\u062d \u0639\u0627\u062f\u0629\u064b \u0628\u064a\u0646 12% \u0648 21%.<br\/>\u0644\u0643\u0646 \u0627\u0644\u0641\u0627\u0631\u0642 \u0627\u0644\u0645\u0647\u0645 \u0647\u0648 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0642\u0631\u0636 \u0627\u0644\u0634\u062e\u0635\u064a \u062a\u064f\u062d\u062a\u0633\u0628 \u0633\u0646\u0648\u064a\u064b\u0627\u060c \u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u062a\u0643\u0648\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0634\u0647\u0631\u064a\u0629. \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0641\u0627\u0626\u062f\u0629 \u0628\u0646\u0633\u0628\u0629 3% \u0634\u0647\u0631\u064a\u064b\u0627 \u062a\u0639\u0627\u062f\u0644 36% \u0633\u0646\u0648\u064a\u064b\u0627 \u0639\u0646\u062f \u062d\u0633\u0627\u0628\u0647\u0627 \u0639\u0644\u0649 \u0645\u062f\u0649 12 \u0634\u0647\u0631\u064b\u0627.   <\/p>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u062a\u0645\u0647\u064a\u062f\u064a\u0629 \/ \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a \/ \u0627\u0644\u0623\u0645\u064a\u0627\u0644 \u0623\u0648 \u0627\u0644\u0646\u0642\u0627\u0637<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u062a\u0642\u062f\u0645 \u0645\u0639\u0638\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0633\u0639\u0627\u0631 \u0641\u0627\u0626\u062f\u0629 \u0645\u0646\u062e\u0641\u0636\u0629 \u0644\u0641\u062a\u0631\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0628\u0647\u062f\u0641 \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643. \u0644\u0643\u0646 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0644\u0644\u0628\u0637\u0627\u0642\u0629 \u0642\u062f \u062a\u0631\u0641\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0645\u0639 \u0625\u0634\u0639\u0627\u0631 \u0645\u0633\u0628\u0642 \u0645\u062d\u062f\u0648\u062f \u0623\u0648 \u0645\u0646 \u062f\u0648\u0646\u0647\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646 \u0628\u0648\u062a\u064a\u0631\u0629 \u0623\u0633\u0631\u0639. \u0648\u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u064a\u0638\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0633\u062f\u0627\u062f \u0643\u0645\u0627 \u0647\u0648\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u062c\u0632\u0621\u064b\u0627 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639\u0629 \u064a\u0630\u0647\u0628 \u0625\u0644\u0649 \u0633\u062f\u0627\u062f \u0623\u0635\u0644 \u0627\u0644\u062f\u064a\u0646\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0633\u062a\u0645\u0631 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0641\u064a \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639.  <\/p>\n\n<p class=\"wp-block-paragraph\">\u0648\u062a\u0642\u062f\u0645 \u0628\u0639\u0636 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u064b\u0627 \u0646\u0642\u062f\u064a\u064b\u0627 \u0628\u0646\u0633\u0628\u0629 5%\u060c \u0644\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0627 \u062a\u0646\u0637\u0628\u0642 \u0628\u0627\u0644\u0636\u0631\u0648\u0631\u0629 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a. \u0641\u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062d\u0627\u0644\u0627\u062a\u060c \u062a\u0642\u062a\u0635\u0631 \u0623\u0639\u0644\u0649 \u0646\u0633\u0628 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a \u0639\u0644\u0649 \u0641\u0626\u0627\u062a \u0645\u062d\u062f\u062f\u0629 \u062a\u062a\u063a\u064a\u0631 \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0627\u0644\u0639\u0627\u0645\u060c \u0643\u0645\u0627 \u0642\u062f \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0643 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627.   <\/p>\n\n<p class=\"wp-block-paragraph\">\u0623\u0645\u0627 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0641\u062a\u062d\u0638\u0649 \u0628\u0634\u0639\u0628\u064a\u0629 \u0644\u0623\u0646\u0647\u0627 \u062a\u0645\u0646\u062d\u0643 \u0645\u0632\u0627\u064a\u0627 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0645\u062b\u0644 \u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0637\u064a\u0631\u0627\u0646\u060c \u0648\u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0627\u0644\u0641\u0646\u062f\u0642\u064a\u0629\u060c \u0648\u0627\u0644\u0642\u0633\u0627\u0626\u0645\u060c \u0648\u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u0633\u064a\u0646\u0645\u0627\u060c \u0648\u0627\u0644\u0648\u0642\u0648\u062f\u060c \u0648\u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627. \u0648\u064a\u0645\u0643\u0646 \u0644\u0645\u0646 \u064a\u062e\u0637\u0637 \u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a\u0647 \u0628\u0639\u0646\u0627\u064a\u0629 \u0623\u0646 \u064a\u0633\u062a\u0641\u064a\u062f \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0628\u0634\u0643\u0644 \u062c\u064a\u062f. \u0644\u0643\u0646 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0644\u0649 \u0645\u0646 \u0644\u0627 \u064a\u0645\u0644\u0643 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0643\u0627\u0641\u064a \u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0641\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0627\u0644\u0636\u064a\u0627\u0639 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0643\u062b\u064a\u0631\u0629\u060c \u0648\u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0642\u062f \u062a\u0624\u062f\u064a \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0631\u062a\u0641\u0639\u0629 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0628\u0645\u0627 \u064a\u0641\u0648\u0642 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627.   <\/p>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u062a\u0639\u062f\u062f \u0627\u0644\u0631\u0633\u0648\u0645<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u062a\u064a \u062a\u064f\u0641\u0631\u0636 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0642\u062f \u062a\u062a\u0631\u062a\u0628 \u0639\u0644\u064a\u0643 \u0631\u0633\u0648\u0645 \u0623\u062e\u0631\u0649 \u0628\u062d\u0633\u0628 \u0637\u0631\u064a\u0642\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0644\u0644\u0628\u0637\u0627\u0642\u0629\u060c \u0645\u062b\u0644:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629<\/li>\n\n\n\n<li>\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u0631 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f<\/li>\n\n\n\n<li>\u0631\u0633\u0648\u0645 \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a<\/li>\n\n\n\n<li>\u0631\u0633\u0648\u0645 \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0641\u064a \u062d\u0627\u0644 \u0641\u0642\u062f\u0627\u0646\u0647\u0627 \u0623\u0648 \u0625\u064a\u0642\u0627\u0641\u0647\u0627<\/li>\n\n\n\n<li>\u0631\u0633\u0648\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0635\u0631\u0627\u0641 \u0627\u0644\u0622\u0644\u064a \u062e\u0627\u0631\u062c \u0627\u0644\u062f\u0648\u0644\u0629<\/li>\n<\/ul>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u063a\u0644\u0642 \u0627\u0644\u0630\u064a \u0644\u0627 \u064a\u0632\u0627\u0644 \u0639\u0644\u064a\u0647 \u0631\u0635\u064a\u062f<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u064a\u062d\u062f\u062b \u0647\u0630\u0627 \u063a\u0627\u0644\u0628\u064b\u0627 \u0639\u0646\u062f \u0625\u063a\u0644\u0627\u0642 \u062d\u0633\u0627\u0628 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 \u062f\u0648\u0646 \u0645\u0631\u0627\u062c\u0639\u0629 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0646\u0647\u0627\u0626\u064a. \u0641\u0642\u062f \u064a\u0628\u0642\u0649 \u0645\u0628\u0644\u063a \u0635\u063a\u064a\u0631 \u0645\u0633\u062a\u062d\u0642\u060c \u0646\u0627\u062a\u062c \u0645\u062b\u0644\u064b\u0627 \u0639\u0646 \u0641\u0627\u0626\u062f\u0629 \u0628\u0633\u064a\u0637\u0629 \u0623\u0648 \u0631\u0633\u0645 \u0625\u0636\u0627\u0641\u064a\u060c \u062b\u0645 \u064a\u0628\u062f\u0623 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0641\u064a \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u0628\u0633\u0631\u0639\u0629 \u0645\u0639 \u0625\u0636\u0627\u0641\u0629 \u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0623\u062e\u064a\u0631 \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0633\u0639\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0646\u062f \u0627\u0644\u062a\u0639\u062b\u0631.<br\/>\u0648\u0645\u0646 \u0623\u0643\u062b\u0631 \u0627\u0644\u0645\u0628\u0627\u0644\u063a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0628\u0642\u0649 \u0628\u0639\u062f \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0640 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629\u060c \u0648\u0647\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u062d\u062a\u0633\u0628 \u0628\u064a\u0646 \u062a\u0627\u0631\u064a\u062e \u0625\u0635\u062f\u0627\u0631 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u062a\u0627\u0631\u064a\u062e \u0648\u0635\u0648\u0644 \u0627\u0644\u062f\u0641\u0639\u0629. \u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0633\u0647\u0644 \u0639\u062f\u0645 \u0645\u0644\u0627\u062d\u0638\u062a\u0647\u0627\u060c \u0644\u0643\u0646\u0647\u0627 \u0642\u062f \u062a\u0633\u0628\u0628 \u0645\u0634\u0643\u0644\u0629 \u0625\u0630\u0627 \u062a\u0645 \u062a\u062c\u0627\u0647\u0644\u0647\u0627.   <\/p>\n\n<p class=\"wp-block-paragraph\">\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u0623\u0646 \u062a\u062c\u0639\u0644\u0643 \u0647\u0630\u0647 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u062a\u062a\u062c\u0646\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062a\u0645\u0627\u0645\u064b\u0627\u060c \u0628\u0644 \u0623\u0646 \u062a\u062f\u0641\u0639\u0643 \u0625\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0628\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0623\u0643\u0628\u0631. \u0648\u0642\u0628\u0644 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u0627\u0633\u0628 \u0646\u0645\u0637 \u062d\u064a\u0627\u062a\u0643 \u0648\u0639\u0627\u062f\u0627\u062a \u0625\u0646\u0641\u0627\u0642\u0643 \u0648\u062a\u0648\u0641\u0631 \u0644\u0643 \u0634\u0631\u0648\u0637\u064b\u0627 \u0645\u0646\u0627\u0633\u0628\u0629.  <\/p>\n\n<h5 class=\"wp-block-heading\"><strong>\u062d\u064a\u0644 \u0630\u0643\u064a\u0629<\/strong><\/h5>\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/shamsfz.ae\/wp-content\/uploads\/2025\/04\/ccc-5ab39d281d1b1.jpg\" alt=\"&#x628;&#x637;&#x627;&#x642;&#x627;&#x62A; &#x627;&#x644;&#x627;&#x626;&#x62A;&#x645;&#x627;&#x646;\"\/><\/figure>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><\/p>\n\n<h6 class=\"wp-block-heading\"><\/h6>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0642\u0635\u0648\u0649 \u0645\u0646 \u062f\u0648\u0631\u0629 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0630\u064a\u0646 \u064a\u0633\u062f\u062f\u0648\u0646 \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0641\u064a \u0645\u0648\u0639\u062f\u0647 \u064a\u0633\u062a\u0641\u064a\u062f\u0648\u0646 \u0639\u0645\u0644\u064a\u064b\u0627 \u0645\u0646 \u0641\u062a\u0631\u0629 \u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0627\u0644\u0628\u0646\u0643 \u0645\u0646 \u062f\u0648\u0646 \u0641\u0648\u0627\u0626\u062f. \u0648\u062a\u064f\u0639\u062f \u0647\u0630\u0647 \u0645\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0637\u0631\u0642 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<br\/>\u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u064a\u0632\u0629 \u0628\u0634\u0643\u0644 \u0623\u0643\u0628\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0647\u0645 \u062f\u0648\u0631\u0629 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628. \u0641\u0625\u0630\u0627 \u0623\u062c\u0631\u064a\u062a \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u0633\u0627\u0628\u0642 \u0644\u0625\u063a\u0644\u0627\u0642 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0641\u0633\u064a\u0643\u0648\u0646 \u0645\u0648\u0639\u062f \u0633\u062f\u0627\u062f\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0628\u0639\u062f \u0646\u062d\u0648 20 \u0625\u0644\u0649 25 \u064a\u0648\u0645\u064b\u0627. \u0623\u0645\u0627 \u0625\u0630\u0627 \u0623\u062c\u0631\u064a\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0646\u0641\u0633\u0647\u0627 \u0641\u064a \u0627\u0644\u064a\u0648\u0645 \u0627\u0644\u062a\u0627\u0644\u064a \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0644\u0625\u063a\u0644\u0627\u0642 \u0643\u0634\u0641 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0641\u0633\u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0646\u062d\u0648 30 \u064a\u0648\u0645\u064b\u0627 \u0625\u0636\u0627\u0641\u064a\u064b\u0627 \u0642\u0628\u0644 \u0645\u0648\u0639\u062f \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u0646 \u062f\u0648\u0646 \u0627\u062d\u062a\u0633\u0627\u0628 \u0641\u0648\u0627\u0626\u062f. \u0648\u0628\u0630\u0644\u0643\u060c \u0642\u062f \u062a\u0635\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u0646 \u062f\u0648\u0646 \u0641\u0648\u0627\u0626\u062f \u0625\u0644\u0649 \u0646\u062d\u0648 55 \u064a\u0648\u0645\u064b\u0627.    <\/p>\n\n<h6 class=\"wp-block-heading\"><strong>&#8211; \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u062a\u0641<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0625\u0630\u0627 \u0644\u0645 \u062a\u0643\u0646 \u0645\u0645\u0646 \u064a\u0631\u0627\u062c\u0639\u0648\u0646 \u062d\u0633\u0627\u0628 \u0628\u0637\u0627\u0642\u062a\u0647\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0628\u0627\u0646\u062a\u0638\u0627\u0645\u060c \u0641\u064a\u0645\u0643\u0646\u0643 \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u062a\u0641 \u0644\u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0639\u0644\u0649 \u0645\u062a\u0627\u0628\u0639\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0648\u0627\u0643\u062a\u0634\u0627\u0641 \u0623\u064a \u0646\u0634\u0627\u0637 \u063a\u064a\u0631 \u0645\u0639\u062a\u0627\u062f.<br\/>\u0648\u062a\u062a\u064a\u062d \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0625\u0631\u0633\u0627\u0644 \u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0641\u064a \u062d\u0627\u0644\u0627\u062a \u0645\u062b\u0644: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0642\u062a\u0631\u0627\u0628\u0643 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0644\u0628\u0637\u0627\u0642\u0629.<\/li>\n\n\n\n<li>\u0631\u0635\u062f <a href=\"http:\/\/www.bankrate.com\/finance\/mobile\/mobile-banking-alerts-everyone-should-activate.aspx\" target=\"_blank\" rel=\"noopener\">\u0646\u0634\u0627\u0637 \u063a\u064a\u0631 \u0645\u0639\u062a\u0627\u062f<\/a>\u060c \u0645\u062b\u0644 \u0639\u0645\u0644\u064a\u0627\u062a \u0625\u0646\u0641\u0627\u0642 \u0644\u0627 \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0646\u0645\u0637 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0643 \u0627\u0644\u0645\u0639\u062a\u0627\u062f.<\/li>\n\n\n\n<li>\u0625\u062c\u0631\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0641\u064a \u0645\u0648\u0627\u0642\u0639 \u063a\u064a\u0631 \u0645\u0623\u0644\u0648\u0641\u0629 \u0623\u0648 \u063a\u064a\u0631 \u0645\u0639\u062a\u0627\u062f\u0629.<\/li>\n\n\n\n<li>\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0644\u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0629 \u0634\u0631\u0627\u0621. \u0648\u064a\u0645\u0643\u0646\u0643 \u0627\u062e\u062a\u064a\u0627\u0631 \u062a\u0644\u0642\u064a \u0627\u0644\u062a\u0646\u0628\u064a\u0647 \u0639\u0646\u062f \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0641\u0642\u0637\u060c \u0623\u0648 \u0639\u0646\u062f \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a. <\/li>\n\n\n\n<li>\u0627\u0642\u062a\u0631\u0627\u0628 \u0645\u0648\u0639\u062f \u0627\u0644\u0633\u062f\u0627\u062f.<\/li>\n\n\n\n<li>\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0623\u0648 \u0625\u062c\u0631\u0627\u0621 \u0633\u062d\u0628 \u064a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062d\u062f \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647.<\/li>\n<\/ul>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u062d\u0645\u0627\u064a\u0629 \u0623\u0645\u0648\u0627\u0644\u0643<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u064a\u064f\u0639\u062f \u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0645\u0646 \u0627\u0644\u062f\u0641\u0639 \u0646\u0642\u062f\u064b\u0627 \u0623\u0648 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631. \u0641\u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 \u0646\u0642\u062f\u064b\u0627\u060c \u0625\u0630\u0627 \u0641\u0642\u062f\u062a \u0627\u0644\u0645\u0628\u0644\u063a \u0641\u0644\u0646 \u062a\u062a\u0645\u0643\u0646 \u0639\u0627\u062f\u0629\u064b \u0645\u0646 \u0627\u0633\u062a\u0631\u062f\u0627\u062f\u0647. \u0623\u0645\u0627 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u060c \u0641\u062a\u0633\u062d\u0628 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0645\u0646 \u062d\u0633\u0627\u0628\u0643 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0644\u0630\u0644\u0643 \u0625\u0630\u0627 \u062a\u0645 \u0625\u062c\u0631\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u063a\u064a\u0631 \u0645\u0635\u0631\u062d \u0628\u0647\u0627\u060c \u0641\u0642\u062f \u064a\u062a\u0623\u062b\u0631 \u0631\u0635\u064a\u062f\u0643 \u0625\u0644\u0649 \u0623\u0646 \u062a\u062a\u0645 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0634\u0643\u0644\u0629.<br\/>\u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c \u062a\u0648\u0641\u0631 \u0628\u0639\u0636 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647\u0627. \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629\u060c \u062a\u062a\u0648\u0644\u0649 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0644\u0644\u0628\u0637\u0627\u0642\u0629 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0634\u0643\u0644\u0629\u060c \u0645\u0646 \u062f\u0648\u0646 \u0623\u0646 \u062a\u0636\u0637\u0631 \u0625\u0644\u0649 \u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0645\u0646 \u062d\u0633\u0627\u0628\u0643.      <\/p>\n\n<p class=\"wp-block-paragraph\">\u0643\u0645\u0627 \u064a\u0645\u0643\u0646 \u0644\u0628\u0648\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u0633\u0648\u0642 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0646 \u062a\u0633\u0627\u0639\u062f\u0643 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644. \u0641\u0628\u0639\u0636 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u062a\u0648\u0641\u0631 \u0644\u062d\u0627\u0645\u0644\u064a\u0647\u0627 \u0645\u0646\u0635\u0627\u062a \u062a\u0633\u0648\u0642 \u062e\u0627\u0635\u0629 \u062a\u0645\u0646\u062d\u0647\u0645 \u062e\u0635\u0648\u0645\u0627\u062a \u0623\u0648 \u0645\u0643\u0627\u0641\u0622\u062a \u0625\u0636\u0627\u0641\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u0634\u0631\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644\u0647\u0627. \u0641\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0642\u062f \u062a\u062d\u0635\u0644 \u0639\u0644\u0649 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0646\u0642\u062f\u064a \u0628\u0646\u0633\u0628\u0629 1% \u0639\u0646\u062f \u0627\u0644\u0634\u0631\u0627\u0621 \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0645\u0646 \u0645\u062a\u062c\u0631 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0628\u064a\u0646\u0645\u0627 \u0642\u062f \u062a\u0631\u062a\u0641\u0639 \u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0644\u0649 5% \u0639\u0646\u062f \u0627\u0644\u0634\u0631\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062a\u0633\u0648\u0642 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0628\u0637\u0627\u0642\u062a\u0643.   <\/p>\n\n<h6 class=\"wp-block-heading\"><strong>\u2013 \u062a\u062c\u0646\u0628 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u063a\u0644\u0642\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0632\u0627\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0628\u0627\u0644\u063a \u0645\u0633\u062a\u062d\u0642\u0629<\/strong><\/h6>\n\n<p class=\"wp-block-paragraph\">\u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0623\u0648 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u0647\u064a \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0635\u064a\u062f \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0628\u0627\u0644\u0643\u0627\u0645\u0644. \u0648\u0644\u062d\u0645\u0627\u064a\u0629 \u0646\u0641\u0633\u0643 \u0623\u064a\u0636\u064b\u0627 \u0645\u0646 \u0623\u064a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629\u060c \u0627\u062d\u0631\u0635 \u0639\u0644\u0649 \u0637\u0644\u0628 \u062e\u0637\u0627\u0628 \u0645\u0646 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0635\u062f\u0631\u0629 \u0644\u0644\u0628\u0637\u0627\u0642\u0629 \u064a\u0624\u0643\u062f \u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628 \u0628\u0634\u0643\u0644 \u0646\u0647\u0627\u0626\u064a. <\/p>\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" src=\"https:\/\/shamsfz.ae\/wp-content\/uploads\/2025\/04\/author-5ab34b40f0690.jpg\" alt=\"\" style=\"aspect-ratio:0.8436363636363636;width:232px;height:auto\"\/><\/figure>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>\u0627\u0644\u0633\u064a\u062f\u0629 \u0631\u0648\u0632 \u0645\u0627\u0631\u064a \u062c\u064a\u0634\u0648\u0631 \u0623\u0628\u064a\u0643<\/em><br\/>\u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a<br\/><em>\u0641\u064a<\/em><br\/><span style=\"text-decoration: underline; color: #14a5eb;\"><em><strong>Auditors Office Chartered Accountants LLC<\/strong><\/em><\/span><\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>\u0627\u0644\u0633\u064a\u062f\u0629 \u0631\u0648\u0632 \u0645\u0627\u0631\u064a \u062c\u064a\u0634\u0648\u0631 \u0623\u0628\u064a\u0643<\/em><em> \u062a\u062d\u0645\u0644 \u0627\u0644\u0633\u064a\u062f\u0629 \u0631\u0648\u0632 \u0645\u0627\u0631\u064a \u062c\u064a\u0634\u0648\u0631 \u0623\u0628\u064a\u0643 \u062f\u0631\u062c\u0629 \u0627\u0644\u0628\u0643\u0627\u0644\u0648\u0631\u064a\u0648\u0633 \u0641\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0639\u0644\u064a\u0643\u0631\u0629. \u0643\u0645\u0627 \u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u062f\u0631\u062c\u0629 \u0627\u0644\u0645\u0627\u062c\u0633\u062a\u064a\u0631 \u0641\u064a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u062c\u0627\u0645\u0639\u0629 \u0648\u0644\u0648\u0646\u063a\u0648\u0646\u063a \u0641\u064a \u0623\u0633\u062a\u0631\u0627\u0644\u064a\u0627.<br\/>\u0648\u0645\u0646\u0630 \u0639\u0627\u0645 2003\u060c \u0639\u0645\u0644\u062a \u0627\u0644\u0633\u064a\u062f\u0629 \u0631\u0648\u0632 \u0641\u064a \u0634\u0631\u0643\u0629 \u0639\u0627\u0626\u0644\u064a\u0629 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0643\u0627\u0646\u062a \u0644\u0647\u0627 \u0641\u0631\u0648\u0639 \u0641\u064a \u062f\u0628\u064a \u0648\u0623\u0628\u0648\u0638\u0628\u064a. \u0648\u062a\u062a\u0645\u062a\u0639 \u0628\u062e\u0628\u0631\u0629 \u0641\u064a \u0645\u062c\u0627\u0644\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u0644\u0625\u062f\u0627\u0631\u0629\u060c \u0643\u0645\u0627 \u062a\u062a\u0648\u0644\u0649 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u062c\u0645\u0648\u0639\u0629 Auditors Office Chartered Accountants LLC    <\/em><\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0648\u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0633\u0624\u0648\u0644 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u0647\u0645 \u0623\u0628\u0631\u0632 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0648\u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0643\u064a\u0641\u064a\u0629 \u062a\u062c\u0646\u0628\u0647\u0627.<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[112,103],"tags":[],"class_list":["post-46880","post","type-post","status-publish","format-standard","hentry","category-112","category-103"],"acf":[],"_links":{"self":[{"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/posts\/46880","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/comments?post=46880"}],"version-history":[{"count":1,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/posts\/46880\/revisions"}],"predecessor-version":[{"id":46881,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/posts\/46880\/revisions\/46881"}],"wp:attachment":[{"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/media?parent=46880"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/categories?post=46880"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/shamsfz.ae\/ar\/wp-json\/wp\/v2\/tags?post=46880"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}