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KNF \u0454 \u0433\u0430\u0440\u0430\u043d\u0442\u043e\u043c \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0432\u0441\u044c\u043e\u0433\u043e \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0443, \u0449\u043e \u0434\u0430\u0454 \u043a\u043b\u0456\u0454\u043d\u0442\u0430\u043c \u0432\u0456\u0434\u0447\u0443\u0442\u0442\u044f \u0431\u0435\u0437\u043f\u0435\u043a\u0438.  <\/p>\n\n\n\n<p>\u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0430 \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0432 \u041f\u043e\u043b\u044c\u0449\u0456 \u0432\u0432\u0430\u0436\u0430\u0454\u0442\u044c\u0441\u044f \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u044e \u0442\u0430 \u0431\u0435\u0437\u043f\u0435\u0447\u043d\u043e\u044e, \u0449\u043e \u0454 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u043e\u043c \u0447\u0456\u0442\u043a\u0438\u0445 \u043f\u0440\u0430\u0432\u0438\u043b \u0456 \u043d\u0430\u043b\u0435\u0436\u043d\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443. \u041e\u0441\u043d\u043e\u0432\u043e\u044e \u0457\u0457 \u0444\u0443\u043d\u043a\u0446\u0456\u043e\u043d\u0443\u0432\u0430\u043d\u043d\u044f \u0454 \u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0435 \u043f\u0440\u0430\u0432\u043e, \u0443\u0445\u0432\u0430\u043b\u0435\u043d\u0435 <strong>29 \u0441\u0435\u0440\u043f\u043d\u044f 1997 \u0440\u043e\u043a\u0443.<\/strong> \u0412\u0456\u0434\u0442\u043e\u0434\u0456 \u0432\u043e\u043d\u043e \u043d\u0435\u043e\u0434\u043d\u043e\u0440\u0430\u0437\u043e\u0432\u043e \u043e\u043d\u043e\u0432\u043b\u044e\u0432\u0430\u043b\u043e\u0441\u044f, \u0449\u043e\u0431 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u0442\u0438 \u043c\u0456\u043d\u043b\u0438\u0432\u0438\u043c \u0440\u0438\u043d\u043a\u043e\u0432\u0438\u043c \u0443\u043c\u043e\u0432\u0430\u043c, \u0433\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u0438\u043c \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u043c \u0442\u0430 \u0432\u0438\u043c\u043e\u0433\u0430\u043c \u0404\u0432\u0440\u043e\u043f\u0435\u0439\u0441\u044c\u043a\u043e\u0433\u043e \u0421\u043e\u044e\u0437\u0443.  <\/p>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-edadaa0cabf670ba0bff659b56773e4e\">\u041f\u0440\u0430\u0432\u043e\u0432\u0456 \u0440\u0430\u043c\u043a\u0438 \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u043e\u0457 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0457 \u0441\u0438\u0441\u0442\u0435\u043c\u0438 \u043c\u0456\u0441\u0442\u044f\u0442\u044c\u0441\u044f \u0432 \u0417\u0430\u043a\u043e\u043d\u0456 \u0432\u0456\u0434 29 \u0441\u0435\u0440\u043f\u043d\u044f 1997 \u0440\u043e\u043a\u0443 \u2014 \u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0435 \u043f\u0440\u0430\u0432\u043e. <\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-palette-color-4-color has-text-color has-link-color wp-elements-49539552bf77b8b923f04409228e3549\" id=\"oszczedzanie-na-wydatkach-stalych\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.3\"><strong><strong>\u0417\u0430\u043a\u043e\u043d \u0432\u0438\u0437\u043d\u0430\u0447\u0430\u0454:<\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0434\u0456\u0439\u0441\u043d\u0435\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0457 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456, \u0441\u0442\u0432\u043e\u0440\u0435\u043d\u043d\u044f \u0442\u0430 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 \u0431\u0430\u043d\u043a\u0456\u0432, \u0444\u0456\u043b\u0456\u0439 \u0456 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043d\u0438\u0446\u0442\u0432 \u0456\u043d\u043e\u0437\u0435\u043c\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0444\u0456\u043b\u0456\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438\u0445 \u0443\u0441\u0442\u0430\u043d\u043e\u0432,<\/li>\n\n\n\n<li>\u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0441\u0442\u0432\u043e\u0440\u0435\u043d\u043d\u044f \u0442\u0430 \u0444\u0443\u043d\u043a\u0446\u0456\u043e\u043d\u0443\u0432\u0430\u043d\u043d\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0438 \u0437\u0430\u0445\u0438\u0441\u0442\u0443,<\/li>\n\n\n\n<li>\u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043e\u0437\u0434\u043e\u0440\u043e\u0432\u043b\u0435\u043d\u043d\u044f (\u0440\u0435\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0438\u0437\u0430\u0446\u0456\u0457), \u043b\u0456\u043a\u0432\u0456\u0434\u0430\u0446\u0456\u0457 \u0442\u0430 \u0431\u0430\u043d\u043a\u0440\u0443\u0442\u0441\u0442\u0432\u0430 \u0431\u0430\u043d\u043a\u0456\u0432,<\/li>\n\n\n\n<li>\u0434\u0435\u044f\u043a\u0456 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0432\u0435\u0434\u0435\u043d\u043d\u044f \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u043c\u0438 \u0445\u043e\u043b\u0434\u0438\u043d\u0433\u043e\u0432\u0438\u043c\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f\u043c\u0438 \u0442\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u043c\u0438 \u0445\u043e\u043b\u0434\u0438\u043d\u0433\u043e\u0432\u0438\u043c\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f\u043c\u0438 \u0437\u0456 \u0437\u043c\u0456\u0448\u0430\u043d\u043e\u044e \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044e, \u0430 \u0442\u0430\u043a\u043e\u0436 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 \u0446\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0439, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0434\u0435\u044f\u043a\u0456 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0434\u0456\u0439\u0441\u043d\u0435\u043d\u043d\u044f \u043d\u0430\u0433\u043b\u044f\u0434\u0443 \u0437\u0430 \u0446\u0438\u043c\u0438 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f\u043c\u0438,<\/li>\n\n\n\n<li>\u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0434\u0456\u0439\u0441\u043d\u0435\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443, \u0437\u043e\u043a\u0440\u0435\u043c\u0430 \u043a\u043e\u043d\u0441\u043e\u043b\u0456\u0434\u043e\u0432\u0430\u043d\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-dee3d222961e17bf89b0aa2ba90fee36\">\u0417\u0430\u043a\u043e\u043d \u0432\u0438\u0437\u043d\u0430\u0447\u0430\u0454 \u0431\u0430\u043d\u043a \u044f\u043a \u044e\u0440\u0438\u0434\u0438\u0447\u043d\u0443 \u043e\u0441\u043e\u0431\u0443, \u0441\u0442\u0432\u043e\u0440\u0435\u043d\u0443 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u043d\u043e \u0434\u043e \u043f\u043e\u043b\u043e\u0436\u0435\u043d\u044c \u0437\u0430\u043a\u043e\u043d\u0456\u0432, \u044f\u043a\u0430 \u0434\u0456\u0454 \u043d\u0430 \u043f\u0456\u0434\u0441\u0442\u0430\u0432\u0456 \u0434\u043e\u0437\u0432\u043e\u043b\u0456\u0432, \u0449\u043e \u043d\u0430\u0434\u0430\u044e\u0442\u044c \u043f\u0440\u0430\u0432\u043e \u0437\u0434\u0456\u0439\u0441\u043d\u044e\u0432\u0430\u0442\u0438 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0456 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0457, \u043f\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u0456 \u0437 \u0440\u0438\u0437\u0438\u043a\u043e\u043c \u0449\u043e\u0434\u043e \u043a\u043e\u0448\u0442\u0456\u0432, \u0434\u043e\u0432\u0456\u0440\u0435\u043d\u0438\u0445 \u043d\u0430 \u0431\u0443\u0434\u044c-\u044f\u043a\u0456\u0439 \u043f\u043e\u0432\u043e\u0440\u043e\u0442\u043d\u0456\u0439 \u043e\u0441\u043d\u043e\u0432\u0456.<\/p>\n\n\n\n<p>\u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0456 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0457, \u044f\u043a\u0456 \u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0438\u043a\u043e\u043d\u0443\u0432\u0430\u0442\u0438\u0441\u044f \u0432\u0438\u043a\u043b\u044e\u0447\u043d\u043e \u0431\u0430\u043d\u043a\u043e\u043c, \u0437\u0433\u0456\u0434\u043d\u043e \u0456\u0437 \u0417\u0430\u043a\u043e\u043d\u043e\u043c \u2013 \u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0435 \u043f\u0440\u0430\u0432\u043e, \u0446\u0435:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u043f\u0440\u0438\u0439\u043c\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u043e\u0432\u0438\u0445 \u0432\u043a\u043b\u0430\u0434\u0456\u0432, \u0449\u043e \u043f\u0456\u0434\u043b\u044f\u0433\u0430\u044e\u0442\u044c \u0432\u0438\u043f\u043b\u0430\u0442\u0456 \u043d\u0430 \u0432\u0438\u043c\u043e\u0433\u0443 \u0430\u0431\u043e \u043f\u0456\u0441\u043b\u044f \u043d\u0430\u0441\u0442\u0430\u043d\u043d\u044f \u0432\u0438\u0437\u043d\u0430\u0447\u0435\u043d\u043e\u0433\u043e \u0441\u0442\u0440\u043e\u043a\u0443, \u0442\u0430 \u0432\u0435\u0434\u0435\u043d\u043d\u044f \u0440\u0430\u0445\u0443\u043d\u043a\u0456\u0432 \u0446\u0438\u0445 \u0432\u043a\u043b\u0430\u0434\u0456\u0432,<\/li>\n\n\n\n<li>\u0432\u0435\u0434\u0435\u043d\u043d\u044f \u0456\u043d\u0448\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0440\u0430\u0445\u0443\u043d\u043a\u0456\u0432,<\/li>\n\n\n\n<li>\u043d\u0430\u0434\u0430\u043d\u043d\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0456\u0432,<\/li>\n\n\n\n<li>\u043d\u0430\u0434\u0430\u043d\u043d\u044f \u0439 \u043f\u0456\u0434\u0442\u0432\u0435\u0440\u0434\u0436\u0435\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0433\u0430\u0440\u0430\u043d\u0442\u0456\u0439, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0432\u0456\u0434\u043a\u0440\u0438\u0442\u0442\u044f \u0439 \u043f\u0456\u0434\u0442\u0432\u0435\u0440\u0434\u0436\u0435\u043d\u043d\u044f \u0430\u043a\u0440\u0435\u0434\u0438\u0442\u0438\u0432\u0456\u0432,<\/li>\n\n\n\n<li>\u0435\u043c\u0456\u0441\u0456\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0446\u0456\u043d\u043d\u0438\u0445 \u043f\u0430\u043f\u0435\u0440\u0456\u0432,<\/li>\n\n\n\n<li>\u0437\u0434\u0456\u0439\u0441\u043d\u0435\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0433\u0440\u043e\u0448\u043e\u0432\u0438\u0445 \u0440\u043e\u0437\u0440\u0430\u0445\u0443\u043d\u043a\u0456\u0432,<\/li>\n\n\n\n<li>\u0432\u0438\u043a\u043e\u043d\u0430\u043d\u043d\u044f \u0456\u043d\u0448\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0439, \u043f\u0435\u0440\u0435\u0434\u0431\u0430\u0447\u0435\u043d\u0438\u0445 \u0432\u0438\u043a\u043b\u044e\u0447\u043d\u043e \u0434\u043b\u044f \u0431\u0430\u043d\u043a\u0443 \u0432 \u043e\u043a\u0440\u0435\u043c\u0438\u0445 \u0437\u0430\u043a\u043e\u043d\u0430\u0445.<\/li>\n<\/ul>\n\n\n\n<p><em>\u0414\u0436\u0435\u0440\u0435\u043b\u043e: \u041c\u0456\u043d\u0456\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u043e \u0444\u0456\u043d\u0430\u043d\u0441\u0456\u0432 \u041f\u043e\u043b\u044c\u0449\u0456: <a href=\"http:\/\/www.mf.gov.pl\">www.mf.gov.pl<\/a> <\/em><\/p>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-palette-color-4-color has-text-color has-link-color wp-elements-f0b57b1f9af611d064793bfcfdd34bf0\" id=\"oszczedzanie-na-wydatkach-stalych\" style=\"font-size:clamp(14px, 0.875rem + ((1vw - 3.2px) * 0.313), 18px);font-style:normal;font-weight:400;line-height:1.3\"><strong><strong>\u0421\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u0456\u0441\u0442\u044c \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0433\u043e \u0441\u0435\u043a\u0442\u043e\u0440\u0443 \u0491\u0440\u0443\u043d\u0442\u0443\u0454\u0442\u044c\u0441\u044f \u043d\u0430 \u043a\u0456\u043b\u044c\u043a\u043e\u0445 \u043a\u043b\u044e\u0447\u043e\u0432\u0438\u0445 \u0441\u0442\u043e\u0432\u043f\u0430\u0445:<\/strong><\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-3c0e4cc\" id=\"gspb_iconBox-id-gsbp-3c0e4cc\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-42da9c5088a85d618d7895b9d7d8dc10\"><strong>\u041a\u0430\u043f\u0456\u0442\u0430\u043b \u0443 \u0431\u0430\u043d\u043a\u0443:<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-1d2047478d14fa0ba1838b530a4ec87e\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u041f\u043e\u043b\u044c\u0441\u044c\u043a\u0456 \u0431\u0430\u043d\u043a\u0438 \u0437\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u0456 \u043f\u0456\u0434\u0442\u0440\u0438\u043c\u0443\u0432\u0430\u0442\u0438 \u0432\u0438\u0441\u043e\u043a\u0438\u0439 \u0440\u0456\u0432\u0435\u043d\u044c \u043a\u0430\u043f\u0456\u0442\u0430\u043b\u0443, \u044f\u043a\u0438\u0439 \u0434\u0456\u0454 \u044f\u043a \u00ab\u043f\u043e\u0434\u0443\u0448\u043a\u0430 \u0431\u0435\u0437\u043f\u0435\u043a\u0438\u00bb \u0443 \u0440\u0430\u0437\u0456 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u043a\u0440\u0438\u0437\u0438. \u0417\u0430\u0432\u0434\u044f\u043a\u0438 \u0446\u044c\u043e\u043c\u0443 \u0431\u0430\u043d\u043a\u0438 \u043c\u043e\u0436\u0443\u0442\u044c \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0442\u0438 \u0437\u0431\u0438\u0442\u043a\u0438 \u0431\u0435\u0437 \u0437\u0430\u0433\u0440\u043e\u0437\u0438 \u0434\u043b\u044f \u0441\u0432\u043e\u0454\u0457 \u043f\u043b\u0430\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456 \u0442\u0430 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0456\u0432 \u043a\u043b\u0456\u0454\u043d\u0442\u0456\u0432. <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-1d45bd3\" id=\"gspb_iconBox-id-gsbp-1d45bd3\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-cd273a3c4fb3ed284460ba95466fc306\"><strong><strong>\u0420\u0438\u0437\u0438\u043a \u0456 \u043b\u0456\u043a\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044c<\/strong><\/strong>:<\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-4b6bdfd08b38e169453fa3b78d463b90\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u0411\u0430\u043d\u043a\u0438 \u043f\u043e\u0432\u0438\u043d\u043d\u0456 \u0434\u043e\u0442\u0440\u0438\u043c\u0443\u0432\u0430\u0442\u0438\u0441\u044f \u0441\u0443\u0432\u043e\u0440\u0438\u0445 \u043d\u043e\u0440\u043c \u0449\u043e\u0434\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u0456\u043d\u043d\u044f \u0440\u0438\u0437\u0438\u043a\u043e\u043c \u0456 \u043b\u0456\u043a\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044e. \u041a\u043e\u043c\u0456\u0441\u0456\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443 (KNF) \u043f\u043e\u0441\u0442\u0456\u0439\u043d\u043e \u043c\u043e\u043d\u0456\u0442\u043e\u0440\u0438\u0442\u044c \u0457\u0445\u043d\u044e \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044c, \u0449\u043e\u0431 \u0443\u043f\u0435\u0432\u043d\u0438\u0442\u0438\u0441\u044f, \u0449\u043e \u0432\u043e\u043d\u0438 \u043c\u0430\u044e\u0442\u044c \u0434\u043e\u0441\u0442\u0430\u0442\u043d\u044c\u043e \u043a\u043e\u0448\u0442\u0456\u0432 \u0434\u043b\u044f \u043f\u043e\u043a\u0440\u0438\u0442\u0442\u044f \u043c\u043e\u0436\u043b\u0438\u0432\u0438\u0445 \u0432\u0438\u043f\u043b\u0430\u0442. <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-e5bf796\" id=\"gspb_iconBox-id-gsbp-e5bf796\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-a15ebc1cd458b5657b956a9fef14a3f1\"><strong><strong>\u041d\u0430\u0433\u043b\u044f\u0434 \u041a\u043e\u043c\u0456\u0441\u0456\u0457 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043d\u0430\u0433\u043b\u044f\u0434\u0443 (KNF)<\/strong>:<\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-5ceb813fd5685b999696f02e35f160a0\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u0421\u0430\u043c\u0435 KNF \u0454 \u0433\u043e\u043b\u043e\u0432\u043d\u0438\u043c \u0433\u0430\u0440\u0430\u043d\u0442\u043e\u043c \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u0441\u0442\u0456. \u041a\u043e\u043c\u0456\u0441\u0456\u044f \u0440\u0435\u0433\u0443\u043b\u044f\u0440\u043d\u043e \u043f\u0440\u043e\u0432\u043e\u0434\u0438\u0442\u044c \u0456\u043d\u0441\u043f\u0435\u043a\u0446\u0456\u0457, \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044e\u0454 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0443 \u0437\u0432\u0456\u0442\u043d\u0456\u0441\u0442\u044c \u0431\u0430\u043d\u043a\u0456\u0432 \u0442\u0430 \u043d\u0430\u043a\u043b\u0430\u0434\u0430\u0454 \u0441\u0430\u043d\u043a\u0446\u0456\u0457 \u0437\u0430 \u043f\u043e\u0440\u0443\u0448\u0435\u043d\u043d\u044f. \u0414\u0456\u0457 KNF \u043c\u0430\u044e\u0442\u044c \u043d\u0430 \u043c\u0435\u0442\u0456 \u0437\u0430\u043f\u043e\u0431\u0456\u0433\u0430\u0442\u0438 \u043d\u0430\u0434\u043c\u0456\u0440\u043d\u043e\u043c\u0443 \u0440\u0438\u0437\u0438\u043a\u0443, \u044f\u043a\u0438\u0439 \u043c\u0456\u0433 \u0431\u0438 \u0437\u0430\u0433\u0440\u043e\u0436\u0443\u0432\u0430\u0442\u0438 \u043a\u043e\u0448\u0442\u0430\u043c \u043a\u043b\u0456\u0454\u043d\u0442\u0456\u0432.  <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-fef438f3 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-1124f36\" id=\"gspb_iconBox-id-gsbp-1124f36\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"72\" height=\"72\" viewbox=\"0 0 1024 1024\"><path style=\"fill:#565D66\" d=\"M512 16c-274 0-496 222-496 496s222 496 496 496 496-222 496-496-222-496-496-496z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-df56d77e22d05fbfa09069e7f9b63d0b\"><strong><strong>\u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0439 \u0433\u0430\u0440\u0430\u043d\u0442\u0456\u0439\u043d\u0438\u0439 \u0444\u043e\u043d\u0434 (BFG):<\/strong><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-f3fb682eab80016ecc17aca84d7de023\" style=\"margin-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--40)\">\u043a \u0443\u0436\u0435 \u0437\u0433\u0430\u0434\u0443\u0432\u0430\u043b\u043e\u0441\u044f, BFG \u0433\u0430\u0440\u0430\u043d\u0442\u0443\u0454 \u043f\u043e\u0432\u0435\u0440\u043d\u0435\u043d\u043d\u044f \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0456\u0432 \u0434\u043e \u0441\u0443\u043c\u0438 100 000 \u0454\u0432\u0440\u043e, \u0449\u043e \u043f\u0456\u0434\u0432\u0438\u0449\u0443\u0454 \u0434\u043e\u0432\u0456\u0440\u0443 \u0434\u043e \u0431\u0430\u043d\u043a\u0456\u0432 \u0442\u0430 \u0437\u0430\u0445\u0438\u0449\u0430\u0454 \u0437\u0430\u043e\u0449\u0430\u0434\u0436\u0435\u043d\u043d\u044f \u043f\u043e\u043b\u044f\u043a\u0456\u0432, \u0430 \u0442\u0430\u043a\u043e\u0436 \u043e\u0441\u0456\u0431, \u044f\u043a\u0456 \u043a\u043e\u0440\u0438\u0441\u0442\u0443\u044e\u0442\u044c\u0441\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u043c\u0438 \u043f\u043e\u0441\u043b\u0443\u0433\u0430\u043c\u0438 \u0432 \u041f\u043e\u043b\u044c\u0449\u0456.<\/p>\n<\/div>\n\n\n\n<p><strong>\u0417\u0430\u0432\u0434\u044f\u043a\u0438 \u0446\u0438\u043c \u043c\u0435\u0445\u0430\u043d\u0456\u0437\u043c\u0430\u043c \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u0430 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0430 \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0443\u0454 \u0432\u0435\u043b\u0438\u043a\u0443 \u0441\u0442\u0456\u0439\u043a\u0456\u0441\u0442\u044c, \u043d\u0430\u0432\u0456\u0442\u044c \u0443 \u043f\u0435\u0440\u0456\u043e\u0434\u0438 \u0433\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u0438\u0445 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0438\u0445 \u043a\u043e\u043b\u0438\u0432\u0430\u043d\u044c. <\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex 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has-medium-font-size wp-elements-55d4081fb64105de3486920ca8fcab15\" id=\"instrukcja\"><strong>\u0420\u043e\u043b\u044c \u0456 \u0444\u0443\u043d\u043a\u0446\u0456\u0457:<\/strong><\/h2>\n<\/div>\n\n\n\n<p><strong>\u0411\u0430\u043d\u043a\u0438 \u043d\u0435 \u043b\u0438\u0448\u0435 \u0437\u0431\u0435\u0440\u0456\u0433\u0430\u044e\u0442\u044c \u0433\u0440\u043e\u0448\u0456. \u0412\u043e\u043d\u0438 \u0442\u0430\u043a\u043e\u0436 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u044e\u0442\u044c: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0456 \u0440\u0430\u0445\u0443\u043d\u043a\u0438 <\/strong>(\u043e\u0441\u043e\u0431\u0438\u0441\u0442\u0456, \u043e\u0449\u0430\u0434\u043d\u0456, \u0432\u0430\u043b\u044e\u0442\u043d\u0456)<\/li>\n\n\n\n<li><strong>\u041f\u043b\u0430\u0442\u0456\u0436\u043d\u0456 \u043a\u0430\u0440\u0442\u043a\u0438<\/strong> (\u0434\u0435\u0431\u0435\u0442\u043e\u0432\u0456 \u0442\u0430 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7.7109 0.42188 7.9062 0.37891 0.36328 3.9375 0.085938 11.254 0.12891-0.77734 4.5664 2.4531 8.4922 5.4844 8.6445h0.19531c2.1953 0 3.8594-1.8125 4.5-3.543 0.64063-1.7422 0.54297-3.625 0.34375-5.2969 5.418-0.19531-0.54297-0.19922 9.7461-0.30469 0.20312 0.054688 0.49219-0.17187 0.49219-0.49219l0.003906-7.1562c0-0.40234-0.46484-0.65234-0.79688-0.38281-2.4922 2.0195-6.4023-0.32812-5.7109-4.3047 4.9414-0.76953 9.543-3.1445 13.391-6.4297-2.5586 7.8477-7.7383 27.352-7.918 29.055-0.31641 3.0039 1.4727 6.0469 4.5508 6.0469 5.5742 0 6.3516-6.332 12.73-21.297 0.22656-0.55078 0.45312-1.0625 0.81641-1.2695 0.19531-0.097656 0.43359-0.10938 0.69922-0.007813 0.42188 0.16797 0.80859 0.5625 0.95703 0.97266 0.86719 3.1875-3.8906 17.68 1.9102 20.352 1.7031 0.78906 3.9297 0.22656 5.4258-1.3594 1.2891-1.3789 1.8789-3.2188 2.293-4.8438 1.8906-7.5625 0.5625-42.438-5.4258-49.152-1.0352-1.1602-2.168-2.0859-3.3359-2.7578zm-19.043-4.8242c-3.0234-5.7695-0.58203-13.035 5.4531-16.195 1.8594-0.97656 3.8906-1.4766 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1.4609-6.3672-3.0039-7.6133-1.1797-0.39844-1.5391-0.30859-1.5078-1.8008 0.011719-0.56641 0.16016-5.125 0.48438-5.5938 0.17578-0.28516 0.62891-0.41406 1.082-0.5 5.9883-1.125 7.9141 0.023437 8.3008-1.6836 0.097656-0.47266-0.11719-0.88672-0.29688-1.2109-1.5391-2.9414-1.6484-7.7773 2.4336-7.4023 1.6445 0.17188 4.6602 1.7539 5.8008 3.2773 0.99609 1.375 0.86719 2.9766 0.089843 3.7812-0.34375 0.31641-2.0586 1.4141-1.2305 2.707 0.48438 0.70312 2.6641-0.66797 9.9258 0.27734-4.8086 4.6484-9.8281 0.43359-14.434 3.4375-2.7266 1.7773-3.8398 6.3438 1.5664 8.0039 2.8438 0.88672 5.9375 1.1523 9.0469 0.78906-0.51562 4.1797 3.2422 7.0352 6.5273 5.4336zm27.895 15.281c-0.35547 1.4375-0.86719 3.0625-1.9414 4.1953-0.89453 0.95312-2.4609 1.6133-3.7227 1.0352-4.5078-2.0859-0.066406-16.523-1.1328-19.496-0.29688-0.83594-0.99609-1.5547-1.8203-1.8711-0.66797-0.25391-1.3594-0.21484-1.9414 0.097656-0.85547 0.46484-1.2305 1.3867-1.4766 2.0078-6.7031 16.523-6.8789 17.441-8.3477 18.965-2.9141 3.0039-6.5195 0.875-6.0938-3.0039 0.23438-2.2852 7.6406-29.441 8.8711-31.535 0.1875-0.32422 0.10937-0.73828-0.1875-0.95703-0.13672-0.10938-0.29688-0.15625-0.44141-0.15625-0.19531 0-0.39453 0.078125-0.53125 0.22656-11.418 11.832-25.27 8.5859-26.762 6.0039-0.75-1.25 0.089844-2.9922 1.2891-3.7812 3.6602-2.3633 8.3789 0.84766 13.203-2.4336 5.3828-3.6641 10.562-15.082 13.785-18.066 2.9883 0.38281 6.5273-0.58203 8.5078-1.8594 1.2695 0.58984 2.5195 1.5469 3.6523 2.8164 5.3945 6.0547 7.0586 39.953 5.0898 47.812z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color has-medium-font-size wp-elements-90169f6ce1772ace9427b93ce77a79da\" id=\"instrukcja\"><strong>\u041f\u0440\u0438\u043a\u043b\u0430\u0434\u0438 \u0431\u0430\u043d\u043a\u0456\u0432 \u0443 \u041f\u043e\u043b\u044c\u0449\u0456:<\/strong><\/h2>\n<\/div>\n\n\n\n<p>\u0423 \u041f\u043e\u043b\u044c\u0449\u0456 \u043f\u0440\u0430\u0446\u044e\u0454 \u0431\u0430\u0433\u0430\u0442\u043e \u0431\u0430\u043d\u043a\u0456\u0432, \u044f\u043a\u0456 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u044e\u0442\u044c \u0440\u0456\u0437\u043d\u043e\u043c\u0430\u043d\u0456\u0442\u043d\u0456 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0438 \u0442\u0430 \u043f\u043e\u0441\u043b\u0443\u0433\u0438. <strong>\u041e\u0441\u044c \u0441\u043f\u0438\u0441\u043e\u043a \u043d\u0430\u0439\u0431\u0456\u043b\u044c\u0448\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>PKO Bank Polski (\u0447\u0430\u0441\u0442\u043e \u043d\u0430\u0437\u0438\u0432\u0430\u044e\u0442\u044c \u00ab\u0431\u0430\u043d\u043a PKO\u00bb)<\/li>\n\n\n\n<li>mBank<\/li>\n\n\n\n<li>Santander Bank Polska<\/li>\n\n\n\n<li>ING Bank \u015al\u0105ski<\/li>\n\n\n\n<li>Bank Millennium<\/li>\n\n\n\n<li>Bank Pekao S.A.<\/li>\n\n\n\n<li>BNP Paribas Bank Polska<\/li>\n\n\n\n<li>Alior Bank<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Citi Handlowy<\/li>\n\n\n\n<li>Credit Agricole Bank Polska<\/li>\n\n\n\n<li>VeloBank<\/li>\n\n\n\n<li>Bank Pocztowy<\/li>\n\n\n\n<li>Nest Bank<\/li>\n\n\n\n<li>Plus Bank<\/li>\n\n\n\n<li>\u0421\u043f\u0456\u043b\u043a\u043e\u0432\u0456 \u0431\u0430\u043d\u043a\u0438 (\u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, BPS, SGB)<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>\u0411\u0430\u0433\u0430\u0442\u043e \u0437 \u043d\u0438\u0445 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u044e\u0442\u044c \u0441\u043f\u0435\u0446\u0456\u0430\u043b\u044c\u043d\u0456 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0438 \u0434\u043b\u044f \u0456\u043d\u043e\u0437\u0435\u043c\u0446\u0456\u0432, \u0437\u043e\u043a\u0440\u0435\u043c\u0430 \u043e\u0431\u0441\u043b\u0443\u0433\u043e\u0432\u0443\u0432\u0430\u043d\u043d\u044f \u0443\u043a\u0440\u0430\u0457\u043d\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-66fad18a wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-a08ff37eb0b5b235d157c2a758716b3e\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0456 \u0441\u043f\u0456\u043b\u043a\u0438 \u0437\u0430\u043e\u0449\u0430\u0434\u0436\u0435\u043d\u044c \u0456 \u043f\u043e\u0437\u0438\u043a (SKOK-\u0438)<\/strong><\/h3>\n\n\n\n<p>SKOK-\u0438 \u043f\u0440\u0430\u0446\u044e\u044e\u0442\u044c \u0437\u0430 \u043f\u0440\u0438\u043d\u0446\u0438\u043f\u043e\u043c \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u0443, \u0449\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u0454: \u0449\u043e\u0431 \u0441\u0442\u0430\u0442\u0438 \u0457\u0445\u043d\u0456\u043c \u043a\u043b\u0456\u0454\u043d\u0442\u043e\u043c, \u043f\u043e\u0442\u0440\u0456\u0431\u043d\u043e \u0441\u0442\u0430\u0442\u0438 \u0447\u043b\u0435\u043d\u043e\u043c \u0441\u043f\u0456\u043b\u043a\u0438.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0420\u0435\u0433\u0443\u043b\u044e\u0432\u0430\u043d\u043d\u044f:<\/strong> \u0407\u0445\u043d\u044f \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044c \u0440\u0435\u0433\u0443\u043b\u044e\u0454\u0442\u044c\u0441\u044f \u043e\u043a\u0440\u0435\u043c\u0438\u043c \u0437\u0430\u043a\u043e\u043d\u043e\u043c. SKOK-\u0438 \u0442\u0430\u043a\u043e\u0436 \u043f\u0456\u0434\u043b\u044f\u0433\u0430\u044e\u0442\u044c \u043d\u0430\u0433\u043b\u044f\u0434\u0443 KNF, \u0449\u043e \u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0443\u0454 \u0431\u0435\u0437\u043f\u0435\u043a\u0443. <\/li>\n\n\n\n<li><strong>\u041f\u0440\u043e\u043f\u043e\u0437\u0438\u0446\u0456\u044f:<\/strong> \u0412\u043e\u043d\u0438 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u044e\u0442\u044c \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u0438, \u043f\u043e\u0434\u0456\u0431\u043d\u0456 \u0434\u043e \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445, \u0447\u0430\u0441\u0442\u043e \u0437 \u0431\u0456\u043b\u044c\u0448 \u0433\u043d\u0443\u0447\u043a\u0438\u043c\u0438 \u0443\u043c\u043e\u0432\u0430\u043c\u0438, \u043e\u0441\u043e\u0431\u043b\u0438\u0432\u043e \u0443 \u043c\u0435\u043d\u0448\u0438\u0445 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u0445 \u043f\u0443\u043d\u043a\u0442\u0430\u0445.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-f4de6485ad54b6bc5c72a03f0288b5b5\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong>\u0423\u0441\u0442\u0430\u043d\u043e\u0432\u0438, \u0449\u043e \u0437\u0431\u0438\u0440\u0430\u044e\u0442\u044c \u0434\u0430\u043d\u0456: BIK \u0456 BIG<\/strong><\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BIK (\u0411\u044e\u0440\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0457 \u0456\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0456\u0457):<\/strong> \u0431\u0435\u0440\u0456\u0433\u0430\u0454 \u0434\u0430\u043d\u0456 \u043f\u0440\u043e \u0442\u0432\u043e\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0443 \u0456\u0441\u0442\u043e\u0440\u0456\u044e. \u041a\u043e\u0436\u0435\u043d \u0431\u0430\u043d\u043a \u0437\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u0438\u0439 \u043f\u043e\u0432\u0456\u0434\u043e\u043c\u043b\u044f\u0442\u0438 \u0434\u043e BIK \u0456\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0456\u044e \u043f\u0440\u043e \u0442\u0435, \u0447\u0438 \u0441\u043f\u043b\u0430\u0447\u0443\u0454\u0448 \u0442\u0438 \u0441\u0432\u043e\u0457 \u0437\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u043d\u044f \u0432\u0447\u0430\u0441\u043d\u043e. \u041f\u043e\u0437\u0438\u0442\u0438\u0432\u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430 \u0456\u0441\u0442\u043e\u0440\u0456\u044f \u2014 \u0446\u0435 \u043a\u043b\u044e\u0447 \u0434\u043e \u043e\u0442\u0440\u0438\u043c\u0430\u043d\u043d\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u0443 \u0432 \u043c\u0430\u0439\u0431\u0443\u0442\u043d\u044c\u043e\u043c\u0443, \u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u043d\u0430 \u0436\u0438\u0442\u043b\u043e. <a href=\"http:\/\/www.bik.pl\">www.bik.pl<\/a>   <\/li>\n<\/ul>\n\n\n\n<p><strong> \u042f\u043a \u0431\u0443\u0434\u0443\u0432\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u0442\u0438\u0432\u043d\u0443 \u0456\u0441\u0442\u043e\u0440\u0456\u044e?<\/strong> \u0417\u0430\u0432\u0436\u0434\u0438 \u0432\u0447\u0430\u0441\u043d\u043e \u043e\u043f\u043b\u0430\u0447\u0443\u0432\u0430\u0442\u0438 \u0440\u0430\u0445\u0443\u043d\u043a\u0438 \u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0456 \u0432\u043d\u0435\u0441\u043a\u0438.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BIG (\u0411\u044e\u0440\u043e \u0433\u043e\u0441\u043f\u043e\u0434\u0430\u0440\u0441\u044c\u043a\u043e\u0457 \u0456\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0456\u0457):<\/strong> \u0437\u0431\u0435\u0440\u0456\u0433\u0430\u0454 \u0434\u0430\u043d\u0456 \u043f\u0440\u043e \u0456\u043d\u0448\u0456 \u0432\u0438\u0434\u0438 \u0437\u0430\u0431\u043e\u0440\u0433\u043e\u0432\u0430\u043d\u043e\u0441\u0442\u0435\u0439, \u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u043d\u0435\u0441\u043f\u043b\u0430\u0447\u0435\u043d\u0456 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0456 \u0432\u043d\u0435\u0441\u043a\u0438, \u0440\u0430\u0445\u0443\u043d\u043a\u0438 \u0437\u0430 \u043a\u043e\u043c\u0443\u043d\u0430\u043b\u044c\u043d\u0456 \u043f\u043e\u0441\u043b\u0443\u0433\u0438, \u0442\u0435\u043b\u0435\u0444\u043e\u043d \u0447\u0438 \u0448\u0442\u0440\u0430\u0444\u0438. \u0423 \u041f\u043e\u043b\u044c\u0449\u0456 \u0434\u0456\u0454 \u043a\u0456\u043b\u044c\u043a\u0430 \u0440\u0435\u0454\u0441\u0442\u0440\u0456\u0432 \u0431\u043e\u0440\u0436\u043d\u0438\u043a\u0456\u0432, \u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434 <strong>BIG InfoMonitor<\/strong>, <a href=\"http:\/\/www.big.pl\">www.big.pl<\/a> <strong>KRD (\u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0440\u0435\u0454\u0441\u0442\u0440 \u0431\u043e\u0440\u0433\u0456\u0432)<\/strong>. <a href=\"http:\/\/www.krd.pl\">www.krd.pl<\/a>   <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-329c82f56f9fbb3483c9906d69cfbf82\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong><strong>\u0411\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0439 \u0433\u0430\u0440\u0430\u043d\u0442\u0456\u0439\u043d\u0438\u0439 \u0444\u043e\u043d\u0434 (BFG)<\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-d9886b5692a935bd758756992ebcaa3e\">\u0426\u0435 \u0430\u0431\u0441\u043e\u043b\u044e\u0442\u043d\u043e \u043a\u043b\u044e\u0447\u043e\u0432\u0430 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430 \u0434\u043b\u044f \u0442\u0432\u043e\u0454\u0457 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u0431\u0435\u0437\u043f\u0435\u043a\u0438.<\/p>\n\n\n\n<ul class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-407684c498f54e89d892edda011cab0c\">\n<li><strong>\u0420\u043e\u043b\u044c:<\/strong> BFG \u0433\u0430\u0440\u0430\u043d\u0442\u0443\u0454, \u0449\u043e \u0443 \u0432\u0438\u043f\u0430\u0434\u043a\u0443 \u0431\u0430\u043d\u043a\u0440\u0443\u0442\u0441\u0442\u0432\u0430 \u0431\u0430\u043d\u043a\u0443 \u0442\u0438 \u043e\u0442\u0440\u0438\u043c\u0430\u0454\u0448 \u043d\u0430\u0437\u0430\u0434 \u0441\u0432\u043e\u0457 \u043a\u043e\u0448\u0442\u0438.<\/li>\n\n\n\n<li><strong>\u0413\u0430\u0440\u0430\u043d\u0442\u0456\u044f:<\/strong> \u0413\u0430\u0440\u0430\u043d\u0442\u0456\u044f \u043e\u0445\u043e\u043f\u043b\u044e\u0454 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0438 (\u043e\u0441\u043e\u0431\u0438\u0441\u0442\u0456 \u0440\u0430\u0445\u0443\u043d\u043a\u0438, \u043e\u0449\u0430\u0434\u043d\u0456 \u0440\u0430\u0445\u0443\u043d\u043a\u0438, \u0432\u043a\u043b\u0430\u0434\u0438) \u043d\u0430 \u0441\u0443\u043c\u0443 \u0434\u043e \u0435\u043a\u0432\u0456\u0432\u0430\u043b\u0435\u043d\u0442\u0430 <strong>100 000 \u0454\u0432\u0440\u043e<\/strong> \u0443 \u0437\u043b\u043e\u0442\u0438\u0445. \u0426\u0435 \u043e\u0437\u043d\u0430\u0447\u0430\u0454, \u0449\u043e \u043d\u0430\u0432\u0456\u0442\u044c \u044f\u043a\u0449\u043e \u0442\u0438 \u0437\u0431\u0435\u0440\u0456\u0433\u0430\u0454\u0448 \u0432 \u043e\u0434\u043d\u043e\u043c\u0443 \u0431\u0430\u043d\u043a\u0443 400 000 \u0437\u043b\u043e\u0442\u0438\u0445, \u0430 \u0431\u0430\u043d\u043a \u0437\u0431\u0430\u043d\u043a\u0440\u0443\u0442\u0443\u0454, \u0442\u0438 \u043e\u0442\u0440\u0438\u043c\u0430\u0454\u0448 \u043d\u0430\u0437\u0430\u0434 \u0443\u0441\u044e \u0446\u044e \u0441\u0443\u043c\u0443. <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group is-content-justification-center is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-bottom:var(--wp--preset--spacing--60);padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-group has-palette-color-1-color has-text-color has-link-color wp-elements-7bbfae547d27e3c580c6d8b3bd6d9b2e is-nowrap is-layout-flex wp-container-core-group-is-layout-29c66b93 wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-greenshift-blocks-iconbox gspb_iconBox gspb_iconBox-id-gsbp-f48b84d\" id=\"gspb_iconBox-id-gsbp-f48b84d\"><div class=\"gspb_iconBox__wrapper\" style=\"display:inline-flex\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"128pt\" style=\"width:5rem;height:5rem;margin:10px\" height=\"128pt\" viewbox=\"0 0 128 128\">\n <path d=\"m32.863 100.49h-18.73c-5.168 0-9.3828 4.2148-9.3828 9.3828v11.48c0 0.40234 0.33594 0.73828 0.73828 0.73828h36.016c0.41406 0 0.73828-0.33594 0.73828-0.73828v-11.48c0.003906-5.168-4.2031-9.3828-9.3789-9.3828zm7.9062 20.125h-34.543v-10.742c0-4.3516 3.543-7.9062 7.9062-7.9062h18.727c4.3633 0 7.9062 3.5547 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m53.027 76.516h-21.594c-5.168 0-9.3828 4.2148-9.3828 9.3828v11.992c0 1.0039 0.81641 1.8203 1.8203 1.8203h36.715c1.0039 0 1.8203-0.81641 1.8203-1.8203l0.003906-11.992c0-5.168-4.2148-9.3828-9.3828-9.3828zm7.9062 21.375c0 0.19531-0.15625 0.34375-0.34375 0.34375h-36.719c-0.1875 0-0.34375-0.14844-0.34375-0.34375v-11.992c0-4.3516 3.543-7.9062 7.9062-7.9062h21.594c4.3633 0 7.9062 3.5547 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m96.566 76.516h-21.594c-5.1797 0-9.3828 4.2148-9.3828 9.3828v11.992c0 1.0039 0.81641 1.8203 1.8203 1.8203h36.715c1.0039 0 1.8203-0.81641 1.8203-1.8203l0.003907-11.992c0-5.168-4.2148-9.3828-9.3828-9.3828zm7.9062 21.375c0 0.19531-0.15625 0.34375-0.34375 0.34375h-36.715c-0.19531 0-0.34375-0.14844-0.34375-0.34375l-0.003906-11.992c0-4.3516 3.543-7.9062 7.9062-7.9062h21.594c4.3516 0 7.9062 3.5547 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m76.137 50.324h-1.9805c0.75781-1.0352 0.17578-1.4492-1.457-14.543-1.3281-11.105 12.16-28.375 8.2617-32.855-0.71875-0.82812-1.8711-0.99609-3.4375-0.48047-1.7734 0.57031-2.293 2.9844-2.9531 6.0352-0.28516 1.3008-0.57031 2.6484-0.97656 3.918-0.62109-3.0625-3.082-5.3477-6.0156-5.3477-3.2578 0-5.9258 2.8164-6.1641 6.3789-5.75-7.5312-7.0781-10.477-9.6406-9.9453-0.57031 0.11719-1.043 0.45312-1.3672 0.97656-2.6484 4.125 5 10.34 6.5859 14.691 0.82812 2.2734 0.80859 5.0703-0.070313 8.2891-1.2422 4.6172-1.1328 9.5625-1.3086 13.953-0.097656 2.6406-0.19531 6.8516 1.7148 8.9297h-5.4648c-5.1797 0-9.3945 4.2148-9.3945 9.3828v11.629c0 2.0391 1.6523 3.6914 3.6914 3.6914h35.672c2.0273 0 3.6836-1.6523 3.6836-3.6914l0.003906-11.629c0-5.168-4.2031-9.3828-9.3828-9.3828zm-8.5586-41.797c3.3477 0 5.5938 3.918 4.3711 7.4219-1.6328 4.7773-7.5898 4.4688-8.8711-0.42188-0.91406-3.3555 1.2695-7 4.5-7zm-10.418 30.66c0.10938-3.8086 0.21484-7.7383 1.1914-11.363 3.2383-11.965-5.3086-14.078-6.8711-20.707-0.17578-0.72656-0.097657-2.0664 0.60156-2.1836 1.7227-0.41406 4.3516 4.8164 9.6602 11.273 1.8594 6.0156 9.4141 6.2344 11.57 0.34375 1.5156-2.2852 2.1562-5.2656 2.6992-7.7578 0.49219-2.2852 1.0039-4.6367 1.9805-4.9531 0.64844-0.20703 1.4961-0.36328 1.8594 0.050781 2.9141 3.3867-9.9727 20.777-8.6172 32.07 0.14844 1.2109 1.7344 12.652 1.793 13.312 0.03125 0.69922-2.8438 1.8711-3.4844-0.15625-1.4492-4.5508-0.375-10.484-3.3984-14.426-0.38281-0.50391-1.4258-0.83594-1.8984-0.67969-3.8984 1.3281-2.6602 12.672-3.75 14.938-0.60938 1.2695-1.9492 1.2617-2.707-0.66797-1.0195-2.5234-0.72656-5.4414-0.62891-9.0938zm11.336 11.137h-7.1562c1.9492-2.2539 0.70703-13.629 3.2773-14.879 0.11719 0.039063 0.31641 0.10938 0.35547 0.13672 2.8047 3.6953 1.8008 12.262 3.5234 14.742zm15.547 21.012c0 1.2227-0.98438 2.2148-2.207 2.2148h-35.672c-1.2227 0-2.2148-0.99609-2.2148-2.2148v-11.629c0-4.3633 3.5547-7.9062 7.918-7.9062h24.27c4.3633 0 7.9062 3.543 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m73.359 100.49h-18.719c-5.1797 0-9.3945 4.2148-9.3945 9.3828v11.48c0 0.40234 0.33594 0.73828 0.73828 0.73828h36.016c0.41406 0 0.73828-0.33594 0.73828-0.73828v-11.48c0.003907-5.168-4.1992-9.3828-9.3789-9.3828zm7.9062 20.125h-34.539v-10.742c0-4.3516 3.5547-7.9062 7.918-7.9062h18.719c4.3633 0 7.9062 3.5547 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m113.87 100.49h-18.73c-5.1797 0-9.3828 4.2148-9.3828 9.3828v11.48c0 0.40234 0.32422 0.73828 0.73828 0.73828h36.016c0.40234 0 0.73828-0.33594 0.73828-0.73828v-11.48c0.003906-5.168-4.2109-9.3828-9.3789-9.3828zm7.9062 20.125h-34.543v-10.742c0-4.3516 3.543-7.9062 7.9062-7.9062h18.727c4.3516 0 7.9062 3.5547 7.9062 7.9062z\" fill=\"#16866a\"><\/path>\n <path d=\"m82.672 125.61c-6.8672-0.14062-13.73-0.097656-20.59-0.070313l-20.574 0.14453c-3.4297 0.019531-6.8555 0.003906-10.285-0.027344l-5.1445-0.03125c-1.7148-0.039062-3.4297-0.058594-5.1484-0.066406 3.418 0.35156 6.8438 0.57812 10.27 0.81641 3.4297 0.17969 6.8594 0.32031 10.293 0.4375 6.8672 0.22656 13.734 0.22656 20.598 0.20312 6.8633-0.058594 13.723-0.14062 20.578-0.26953l20.582-0.30859c-3.4258-0.25391-6.8555-0.39453-10.285-0.55859-3.4297-0.11719-6.8594-0.19922-10.293-0.26953z\" fill=\"#16866a\"><\/path>\n <path d=\"m122.51 88.289c-3.4023 1.1758-8.2422 4.3633-10.574 7.3711 3.0859-1.1523 8.3203-4.5859 10.574-7.3711z\" fill=\"#16866a\"><\/path>\n <path d=\"m31.691 66.625c0.60547 0.88281 1.2422 1.7461 1.9453 2.5703 0.69531 0.82813 1.4336 1.625 2.3047 2.3281-0.36328-1.0547-0.83594-2.0273-1.3516-2.9766-0.50781-0.95312-1.0703-1.8672-1.6797-2.7578-0.60938-0.88672-1.2617-1.75-1.9844-2.5586-0.71094-0.81641-1.4727-1.5938-2.3555-2.2773 0.39063 1.0469 0.89063 2.0078 1.4219 2.9414 0.52344 0.94141 1.0977 1.8438 1.6992 2.7305z\" fill=\"#16866a\"><\/path>\n <path d=\"m86.195 12.102c0.25-0.67578 0.48438-1.3438 0.67188-2.0898 0.011718-0.039063 0.015624-0.085938 0.019531-0.12891 0.027343-0.41016-0.28125-0.76172-0.69141-0.78906-0.41016-0.027344-0.76172 0.28125-0.78906 0.69141v0.003906c-0.042969 0.64063-0.15625 1.3398-0.27734 2.0156-0.125 0.67969-0.27734 1.3633-0.44141 2.0391-0.33203 1.3594-0.73438 2.707-1.1836 4.043 0.67188-1.2383 1.3086-2.5039 1.8828-3.8047 0.28516-0.64844 0.55859-1.3086 0.80859-1.9805z\" fill=\"#16866a\"><\/path>\n <path d=\"m50.57 12.781c-1.4766-0.98828-3.0742-2.9688-3.7109-4.9766-0.3125-0.97266-0.41406-1.9922-0.26562-2.9609 0.16406-0.97266 0.58203-1.8711 1.1055-2.6953l0.019531-0.03125c0.015625-0.023438 0.027344-0.046876 0.039062-0.070313 0.17969-0.36719 0.027344-0.8125-0.33984-0.98828-0.36719-0.17969-0.8125-0.027344-0.98828 0.33984-0.51172 1.0469-0.875 2.1758-0.9375 3.3438-0.042969 1.168 0.21875 2.3125 0.67969 3.332 0.90234 2.0039 2.7539 3.8594 4.3984 4.707z\" fill=\"#16866a\"><\/path>\n<\/svg><\/div><\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-palette-color-3-color has-text-color has-link-color has-medium-font-size wp-elements-4cb415d1b04d9a4d0c7c378348225d7a\" id=\"dlaczego-warto-wziac-gleboki-oddech-i-dac-sobie-czas\" style=\"margin-bottom:var(--wp--preset--spacing--20)\"><strong><strong>\u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u041f\u043e\u043b\u044c\u0449\u0456 (NBP) <\/strong><a href=\"http:\/\/www.nbp.pl\"><strong>www.nbp.pl<\/strong><\/a><\/strong><\/h2>\n\n\n\n<p><strong><strong>\u041a\u043b\u044e\u0447\u043e\u0432\u0430 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430 \u0432 \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u0456\u0439 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0456<\/strong><\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>\u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u041f\u043e\u043b\u044c\u0449\u0456 (NBP) \u2014 \u0446\u0435 \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0456\u043a\u0438 \u041f\u043e\u043b\u044c\u0449\u0430, \u0442\u043e\u0431\u0442\u043e \u043d\u0430\u0439\u0432\u0430\u0436\u043b\u0438\u0432\u0456\u0448\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430 \u0432 \u043a\u0440\u0430\u0457\u043d\u0456, \u0440\u043e\u043b\u044c \u044f\u043a\u043e\u0457 \u0437\u043d\u0430\u0447\u043d\u043e \u0432\u0456\u0434\u0440\u0456\u0437\u043d\u044f\u0454\u0442\u044c\u0441\u044f \u0432\u0456\u0434 \u043a\u043e\u043c\u0435\u0440\u0446\u0456\u0439\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432. \u0417\u0433\u0456\u0434\u043d\u043e \u0437 \u041a\u043e\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0456\u0454\u044e \u0420\u041f, NBP \u043c\u0430\u0454 \u0432\u0438\u043a\u043b\u044e\u0447\u043d\u0435 \u043f\u0440\u0430\u0432\u043e \u0435\u043c\u0456\u0441\u0456\u0457 \u0433\u0440\u043e\u0448\u0435\u0439 \u0442\u0430 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u0454 \u0437\u0430 \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u0456\u0441\u0442\u044c \u0432\u0430\u0440\u0442\u043e\u0441\u0442\u0456 \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u043e\u0457 \u0432\u0430\u043b\u044e\u0442\u0438 \u2014 \u0437\u043b\u043e\u0442\u043e\u0433\u043e. \u0426\u0435 \u043e\u0437\u043d\u0430\u0447\u0430\u0454, \u0449\u043e \u0439\u043e\u0433\u043e \u0433\u043e\u043b\u043e\u0432\u043d\u043e\u044e \u043c\u0435\u0442\u043e\u044e \u0454 \u043f\u0456\u0434\u0442\u0440\u0438\u043c\u0430\u043d\u043d\u044f \u043d\u0438\u0437\u044c\u043a\u043e\u0457 \u0456\u043d\u0444\u043b\u044f\u0446\u0456\u0457, \u0430\u0431\u0438 \u043a\u0443\u043f\u0456\u0432\u0435\u043b\u044c\u043d\u0430 \u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u0456\u0441\u0442\u044c \u0433\u0440\u043e\u0448\u0435\u0439 \u043d\u0435 \u0437\u043c\u0435\u043d\u0448\u0443\u0432\u0430\u043b\u0430\u0441\u044f \u0437\u0430\u043d\u0430\u0434\u0442\u043e \u0448\u0432\u0438\u0434\u043a\u043e.  <\/p>\n\n\n\n<p><strong>\u0429\u043e\u0431 \u0440\u0435\u0430\u043b\u0456\u0437\u0443\u0432\u0430\u0442\u0438 \u0441\u0432\u043e\u0457 \u0437\u0430\u0432\u0434\u0430\u043d\u043d\u044f, NBP \u0432\u0438\u043a\u043e\u043d\u0443\u0454 \u0442\u0440\u0438 \u043a\u043b\u044e\u0447\u043e\u0432\u0456 \u0444\u0443\u043d\u043a\u0446\u0456\u0457:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-057bf1b1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"gspb_heading_sep_gsbp-77cd05c\"><div class=\"gspb_heading_sep gspb_heading_sep_before\"><div class=\"gs-numhead__circle\"><span>1<\/span><\/div><\/div><h3 id=\"gspb_heading-id-gsbp-77cd05c\" class=\"gspb_heading gspb_heading-id-gsbp-77cd05c \">\u0415\u043c\u0456\u0441\u0456\u0439\u043d\u0438\u0439 \u0431\u0430\u043d\u043a<\/h3><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-20da56782f564d7972bfb5c15fba4671\" style=\"padding-left:var(--wp--preset--spacing--60)\">\u0426\u0435 \u043d\u0430\u0439\u0432\u0456\u0434\u043e\u043c\u0456\u0448\u0430 \u0444\u0443\u043d\u043a\u0446\u0456\u044f NBP. \u0426\u0435 \u0454\u0434\u0438\u043d\u0430 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0430 \u0432 \u041f\u043e\u043b\u044c\u0449\u0456, \u044f\u043a\u0430 \u043c\u043e\u0436\u0435 \u0435\u043c\u0456\u0442\u0443\u0432\u0430\u0442\u0438 (\u0442\u043e\u0431\u0442\u043e \u0432\u0432\u043e\u0434\u0438\u0442\u0438 \u0432 \u043e\u0431\u0456\u0433) \u0431\u0430\u043d\u043a\u043d\u043e\u0442\u0438 \u0442\u0430 \u043c\u043e\u043d\u0435\u0442\u0438. NBP \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u0454 \u0437\u0430:  <\/p>\n\n\n\n<ul style=\"padding-left:var(--wp--preset--spacing--70)\" class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-7de63b897dc8e5d1091fcb49b16aa3b2\">\n<li><strong>\u041e\u0431\u0441\u044f\u0433 \u0435\u043c\u0456\u0441\u0456\u0457:<\/strong> \u0412\u0438\u0437\u043d\u0430\u0447\u0430\u0454, \u0441\u043a\u0456\u043b\u044c\u043a\u0438 \u0431\u0430\u043d\u043a\u043d\u043e\u0442 \u0456 \u043c\u043e\u043d\u0435\u0442 \u043f\u043e\u0442\u0440\u0456\u0431\u043d\u043e \u0432 \u043e\u0431\u0456\u0433\u0443.<\/li>\n\n\n\n<li><strong>\u0411\u0435\u0437\u043f\u0435\u043a\u0443 \u0433\u0440\u043e\u0448\u0435\u0439:<\/strong> \u0412\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u0454 \u0437\u0430 \u043b\u0456\u043a\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044c \u0433\u0440\u043e\u0448\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0456\u0433\u0443 \u2014 \u0441\u043b\u0456\u0434\u043a\u0443\u0454, \u0449\u043e\u0431 \u0433\u043e\u0442\u0456\u0432\u043a\u0438 \u043d\u0456\u043a\u043e\u043b\u0438 \u043d\u0435 \u0431\u0440\u0430\u043a\u0443\u0432\u0430\u043b\u043e, \u0430\u043b\u0435 \u0439 \u0449\u043e\u0431 \u0457\u0457 \u043d\u0435 \u0431\u0443\u043b\u043e \u043d\u0430\u0434\u0442\u043e \u0431\u0430\u0433\u0430\u0442\u043e, \u0430\u0434\u0436\u0435 \u0446\u0435 \u043c\u043e\u0433\u043b\u043e \u0431 \u0441\u043f\u0440\u0438\u0447\u0438\u043d\u0438\u0442\u0438 \u0456\u043d\u0444\u043b\u044f\u0446\u0456\u044e.<\/li>\n\n\n\n<li><strong>\u0417\u0440\u0430\u0437\u043a\u0438 \u0442\u0430 \u043d\u043e\u043c\u0456\u043d\u0430\u043b\u0438:<\/strong> \u0412\u0438\u0437\u043d\u0430\u0447\u0430\u0454, \u044f\u043a \u0432\u0438\u0433\u043b\u044f\u0434\u0430\u044e\u0442\u044c \u0456 \u044f\u043a\u0443 \u0432\u0430\u0440\u0442\u0456\u0441\u0442\u044c \u043c\u0430\u044e\u0442\u044c \u043f\u043e\u043b\u044c\u0441\u044c\u043a\u0456 \u0431\u0430\u043d\u043a\u043d\u043e\u0442\u0438 \u0442\u0430 \u043c\u043e\u043d\u0435\u0442\u0438.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"gspb_heading_sep_gsbp-6538cbd\"><div class=\"gspb_heading_sep gspb_heading_sep_before\"><div class=\"gs-numhead__circle\"><span>2<\/span><\/div><\/div><h3 id=\"gspb_heading-id-gsbp-6538cbd\" class=\"gspb_heading gspb_heading-id-gsbp-6538cbd \">\u0411\u0430\u043d\u043a \u0431\u0430\u043d\u043a\u0456\u0432<\/h3><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-7b881f58f138f410c7f1dcfe5bd6d31d\" style=\"padding-left:var(--wp--preset--spacing--60)\">NBP \u0432\u0438\u043a\u043e\u043d\u0443\u0454 \u0440\u043e\u043b\u044c \u00ab\u0431\u0430\u043d\u043a\u0456\u0440\u0430\u00bb \u0434\u043b\u044f \u0432\u0441\u0456\u0445 \u043a\u043e\u043c\u0435\u0440\u0446\u0456\u0439\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432 \u0443 \u041f\u043e\u043b\u044c\u0449\u0456. \u0426\u0435 \u043c\u0430\u0454 \u043a\u043b\u044e\u0447\u043e\u0432\u0435 \u0437\u043d\u0430\u0447\u0435\u043d\u043d\u044f \u0434\u043b\u044f \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0432\u0441\u0456\u0454\u0457 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0457 \u0441\u0438\u0441\u0442\u0435\u043c\u0438. NPB:  <\/p>\n\n\n\n<ul style=\"padding-left:var(--wp--preset--spacing--70)\" class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-6003066c43f4190637810dbd176d7f07\">\n<li><strong>\u0420\u0435\u0433\u0443\u043b\u044e\u0454 \u043b\u0456\u043a\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044c: <\/strong>\u043c\u043e\u0436\u0435 \u043d\u0430\u0434\u0430\u0432\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u043a\u0438 \u043a\u043e\u043c\u0435\u0440\u0446\u0456\u0439\u043d\u0438\u043c \u0431\u0430\u043d\u043a\u0430\u043c, \u044f\u043a\u0456 \u043c\u0430\u044e\u0442\u044c \u0442\u0438\u043c\u0447\u0430\u0441\u043e\u0432\u0456 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0438 \u0437 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u044e \u043b\u0456\u043a\u0432\u0456\u0434\u043d\u0456\u0441\u0442\u044e. \u0417\u0430\u0432\u0434\u044f\u043a\u0438 \u0446\u044c\u043e\u043c\u0443 \u0437\u0430\u043f\u043e\u0431\u0456\u0433\u0430\u0454 \u043a\u0440\u0438\u0437\u0430\u043c \u0456 \u0437\u0430\u0445\u0438\u0449\u0430\u0454 \u0433\u0440\u043e\u0448\u0456 \u043a\u043b\u0456\u0454\u043d\u0442\u0456\u0432. NBP \u0441\u043f\u0440\u0438\u0439\u043c\u0430\u0454\u0442\u044c\u0441\u044f \u044f\u043a \u00ab\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440 \u043e\u0441\u0442\u0430\u043d\u043d\u044c\u043e\u0457 \u0456\u043d\u0441\u0442\u0430\u043d\u0446\u0456\u0457\u00bb.  <\/li>\n\n\n\n<li><strong>\u0412\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u044e\u0454 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u043e\u0432\u0456 \u0441\u0442\u0430\u0432\u043a\u0438:<\/strong> \u0447\u0435\u0440\u0435\u0437 \u0420\u0430\u0434\u0443 \u0433\u0440\u043e\u0448\u043e\u0432\u043e-\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0457 \u043f\u043e\u043b\u0456\u0442\u0438\u043a\u0438 (RPP) NBP \u0432\u0438\u0437\u043d\u0430\u0447\u0430\u0454 \u0440\u0456\u0432\u0435\u043d\u044c \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u0445 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u043e\u0432\u0438\u0445 \u0441\u0442\u0430\u0432\u043e\u043a. \u0426\u0435 \u043c\u0430\u0454 \u0432\u0435\u043b\u0438\u0447\u0435\u0437\u043d\u0438\u0439 \u0432\u043f\u043b\u0438\u0432 \u043d\u0430 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u043a\u0443. \u041a\u043e\u043b\u0438 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u043e\u0432\u0456 \u0441\u0442\u0430\u0432\u043a\u0438 \u0437\u0440\u043e\u0441\u0442\u0430\u044e\u0442\u044c, \u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u0441\u0442\u0430\u044e\u0442\u044c \u0434\u043e\u0440\u043e\u0436\u0447\u0438\u043c\u0438, \u0430 \u0437\u0430\u043e\u0449\u0430\u0434\u0436\u0435\u043d\u043d\u044f \u2014 \u0432\u0438\u0433\u0456\u0434\u043d\u0456\u0448\u0438\u043c\u0438. \u0422\u0430\u043a\u0438\u043c \u0447\u0438\u043d\u043e\u043c, NBP \u043c\u043e\u0436\u0435 \u0432\u043f\u043b\u0438\u0432\u0430\u0442\u0438 \u043d\u0430 \u0456\u043d\u0444\u043b\u044f\u0446\u0456\u044e, \u0441\u0442\u0440\u0438\u043c\u0443\u044e\u0447\u0438 \u043b\u044e\u0434\u0435\u0439 \u0432\u0456\u0434 \u043d\u0430\u0434\u043c\u0456\u0440\u043d\u0438\u0445 \u0432\u0438\u0442\u0440\u0430\u0442.   <\/li>\n\n\n\n<li><strong>\u041d\u0430\u0433\u043b\u044f\u0434\u0430\u0454 \u0437\u0430 \u043f\u043b\u0430\u0442\u0456\u0436\u043d\u0438\u043c\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c\u0438:<\/strong> \u0434\u0431\u0430\u0454 \u043f\u0440\u043e \u0442\u0435, \u0449\u043e\u0431 \u043f\u0435\u0440\u0435\u043a\u0430\u0437\u0438 \u0442\u0430 \u043a\u0430\u0440\u0442\u043a\u043e\u0432\u0456 \u043f\u043b\u0430\u0442\u0435\u0436\u0456 \u0432 \u041f\u043e\u043b\u044c\u0449\u0456 \u043f\u0440\u0430\u0446\u044e\u0432\u0430\u043b\u0438 \u0448\u0432\u0438\u0434\u043a\u043e \u0439 \u0431\u0435\u0437\u043f\u0435\u0447\u043d\u043e.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"gspb_heading_sep_gsbp-92470db\"><div class=\"gspb_heading_sep gspb_heading_sep_before\"><div class=\"gs-numhead__circle\"><span>3<\/span><\/div><\/div><h3 id=\"gspb_heading-id-gsbp-92470db\" class=\"gspb_heading gspb_heading-id-gsbp-92470db \">\u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u0434\u0435\u0440\u0436\u0430\u0432\u0438<\/h3><\/div>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-3fad6ad737453e43b4bc26c84e54e120\" style=\"padding-left:var(--wp--preset--spacing--60)\">NBP \u0432\u0438\u043a\u043e\u043d\u0443\u0454 \u0440\u043e\u043b\u044c \u0433\u043e\u043b\u043e\u0432\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0443 \u0434\u043b\u044f \u0443\u0440\u044f\u0434\u0443 \u0442\u0430 \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0445 \u0456\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0456\u0439.<\/p>\n\n\n\n<ul style=\"padding-left:var(--wp--preset--spacing--70)\" class=\"wp-block-list has-palette-color-4-color has-text-color has-link-color wp-elements-7c647cc08dfcb4d57fd38428ead40c8d\">\n<li><strong>\u0412\u0435\u0434\u0435 \u0440\u0430\u0445\u0443\u043d\u043a\u0438 \u0434\u0435\u0440\u0436\u0430\u0432\u0438:<\/strong> \u043e\u0431\u0441\u043b\u0443\u0433\u043e\u0432\u0443\u0454 \u0440\u0430\u0445\u0443\u043d\u043a\u0438 \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u043e\u0433\u043e \u0431\u044e\u0434\u0436\u0435\u0442\u0443 \u0442\u0430 \u0431\u0430\u0433\u0430\u0442\u044c\u043e\u0445 \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0445 \u0443\u0441\u0442\u0430\u043d\u043e\u0432. \u0421\u0430\u043c\u0435 \u043d\u0430 \u0446\u0456 \u0440\u0430\u0445\u0443\u043d\u043a\u0438 \u043d\u0430\u0434\u0445\u043e\u0434\u044f\u0442\u044c, \u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0442\u0432\u043e\u0457 \u043f\u043e\u0434\u0430\u0442\u043a\u0438, \u044f\u043a\u0456 \u043f\u043e\u0442\u0456\u043c \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u043e\u0432\u0443\u044e\u0442\u044c\u0441\u044f \u0434\u043b\u044f \u043f\u043e\u0442\u0440\u0435\u0431 \u0434\u0435\u0440\u0436\u0430\u0432\u0438.  <\/li>\n\n\n\n<li><strong>\u041a\u0435\u0440\u0443\u0454 \u0432\u0430\u043b\u044e\u0442\u043d\u0438\u043c\u0438 \u0440\u0435\u0437\u0435\u0440\u0432\u0430\u043c\u0438:<\/strong> NBP \u0443\u043f\u0440\u0430\u0432\u043b\u044f\u0454 \u0440\u0435\u0437\u0435\u0440\u0432\u0430\u043c\u0438 \u0456\u043d\u043e\u0437\u0435\u043c\u043d\u0438\u0445 \u0432\u0430\u043b\u044e\u0442 (\u043d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u0454\u0432\u0440\u043e, \u0434\u043e\u043b\u0430\u0440\u0430) \u0442\u0430 \u0437\u043e\u043b\u043e\u0442\u043e\u043c. \u0426\u0456 \u0440\u0435\u0437\u0435\u0440\u0432\u0438 \u043c\u0430\u044e\u0442\u044c \u043a\u043b\u044e\u0447\u043e\u0432\u0435 \u0437\u043d\u0430\u0447\u0435\u043d\u043d\u044f \u0434\u043b\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u043d\u0430\u0434\u0456\u0439\u043d\u043e\u0441\u0442\u0456 \u0434\u0435\u0440\u0436\u0430\u0432\u0438 \u0442\u0430 \u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0437\u043b\u043e\u0442\u043e\u0433\u043e \u043d\u0430 \u043c\u0456\u0436\u043d\u0430\u0440\u043e\u0434\u043d\u0438\u0445 \u0440\u0438\u043d\u043a\u0430\u0445. <\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1668","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/lesson\/1668","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/lesson"}],"about":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/types\/lesson"}],"replies":[{"embeddable":true,"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/comments?post=1668"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/media?parent=1668"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}