{"id":1690,"date":"2025-08-30T12:33:43","date_gmt":"2025-08-30T10:33:43","guid":{"rendered":""},"modified":"2025-09-02T00:56:57","modified_gmt":"2025-09-01T22:56:57","slug":"%d0%be%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%96-%d0%b2%d0%b8%d0%b4%d0%b8-%d1%81%d1%82%d1%80%d0%b0%d1%85%d1%83%d0%b2%d0%b0%d0%bd%d0%bd%d1%8f","status":"publish","type":"lesson","link":"https:\/\/fpna.pl\/uk\/cr\/%d1%84%d1%96%d0%bd%d0%b0%d0%bd%d1%81%d0%b8-%d0%b7%d0%b0-%d0%bd%d0%be%d0%b2%d0%be%d1%8e-%d0%b0%d0%b4%d1%80%d0%b5%d1%81%d0%be%d1%8e\/ls\/%d0%be%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%96-%d0%b2%d0%b8%d0%b4%d0%b8-%d1%81%d1%82%d1%80%d0%b0%d1%85%d1%83%d0%b2%d0%b0%d0%bd%d0%bd%d1%8f\/","title":{"rendered":"\u041e\u0441\u043d\u043e\u0432\u043d\u0456 \u0432\u0438\u0434\u0438 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f"},"content":{"rendered":"\n<div class=\"wp-block-cover is-light\" style=\"border-radius:40px;margin-top:0;margin-bottom:var(--wp--preset--spacing--60);padding-bottom:0;min-height:150px;aspect-ratio:unset;\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"338\" class=\"wp-block-cover__image-background wp-image-1046 size-large\" alt=\"\" src=\"http:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-1200x338.webp\" data-object-fit=\"cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-1200x338.webp 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-640x180.webp 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna-768x216.webp 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/banki-finanse-fpna.webp 1280w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim\" style=\"background-color:#e2f0ee\"><\/span><div class=\"wp-block-cover__inner-container is-layout-constrained wp-block-cover-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-text-align-center has-large-font-size\" id=\"podstawowe-ubezpieczenia\"><strong><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u0456 \u0432\u0438\u0434\u0438 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f<\/strong><\/strong><\/h1>\n<\/div><\/div>\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-c5c8100b245b8cf8606bd83ae96088af\">\u0421\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u2014 \u0446\u0435 \u0434\u043e\u0433\u043e\u0432\u0456\u0440, \u044f\u043a\u0438\u0439 \u0437\u0430\u0445\u0438\u0449\u0430\u0454 \u0442\u0435\u0431\u0435 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e \u0443 \u0440\u0430\u0437\u0456 \u043d\u0435\u043f\u0435\u0440\u0435\u0434\u0431\u0430\u0447\u0435\u043d\u0438\u0445 \u043f\u043e\u0434\u0456\u0439. \u0422\u0438 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\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u043a\u043e\u0432\u0438\u043c\u0438, \u0430 \u0456\u043d\u0448\u0456 \u2014 \u0434\u043e\u0431\u0440\u043e\u0432\u0456\u043b\u044c\u043d\u0438\u043c\u0438, \u0430\u043b\u0435 \u0432\u0430\u0440\u0442\u043e \u0457\u0445 \u043c\u0430\u0442\u0438.  <\/p>\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<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1707\" height=\"2560\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-scaled.jpg\" alt=\"\" class=\"wp-image-1215\" style=\"border-radius:20px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-scaled.jpg 1707w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-427x640.jpg 427w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-800x1200.jpg 800w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-768x1152.jpg 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-1024x1536.jpg 1024w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-nikitaxnikitin-10102313-1365x2048.jpg 1365w\" sizes=\"auto, (max-width: 1707px) 100vw, 1707px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-7ba3d3610d5c653f2b690428ce2bd067\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong>\u041e\u0431\u043e\u0432\u2019\u044f\u0437\u043a\u043e\u0432\u0435 \u0430\u0432\u0442\u043e\u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f OC<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-077522a374897bf2b794f426dcc10eff\">\u0426\u0435 \u043d\u0430\u0439\u0432\u0430\u0436\u043b\u0438\u0432\u0456\u0448\u0435 \u0439 \u0454\u0434\u0438\u043d\u0435 <strong>\u043e\u0431\u043e\u0432\u2019\u044f\u0437\u043a\u043e\u0432\u0435 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f<\/strong> \u0434\u043b\u044f \u043a\u043e\u0436\u043d\u043e\u0433\u043e \u0432\u043b\u0430\u0441\u043d\u0438\u043a\u0430 \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u043d\u043e\u0433\u043e \u0437\u0430\u0441\u043e\u0431\u0443 \u0432 \u041f\u043e\u043b\u044c\u0449\u0456. \u0421\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u0446\u0438\u0432\u0456\u043b\u044c\u043d\u043e\u0457 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0456 (OC) \u0437\u0430\u0445\u0438\u0449\u0430\u0454 \u0442\u0435\u0431\u0435 \u0432\u0456\u0434 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0445 \u043d\u0430\u0441\u043b\u0456\u0434\u043a\u0456\u0432, \u044f\u043a\u0449\u043e \u0442\u0438 \u0441\u043f\u0440\u0438\u0447\u0438\u043d\u0438\u0448 \u0430\u0432\u0430\u0440\u0456\u044e \u0447\u0438 \u0437\u0456\u0442\u043a\u043d\u0435\u043d\u043d\u044f. \u0426\u0435 \u043e\u0437\u043d\u0430\u0447\u0430\u0454, \u0449\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f \u0432\u0438\u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0430\u0446\u0456\u044e \u043f\u043e\u0442\u0435\u0440\u043f\u0456\u043b\u0438\u043c, \u0430 \u0442\u043e\u0431\u0456 \u043d\u0435 \u0434\u043e\u0432\u0435\u0434\u0435\u0442\u044c\u0441\u044f \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0442\u0438 \u0432\u0438\u0442\u0440\u0430\u0442\u0438 \u043d\u0430 \u0440\u0435\u043c\u043e\u043d\u0442 \u0457\u0445\u043d\u044c\u043e\u0433\u043e \u0430\u0432\u0442\u043e\u043c\u043e\u0431\u0456\u043b\u044f, \u043b\u0456\u043a\u0443\u0432\u0430\u043d\u043d\u044f \u0447\u0438 \u0456\u043d\u0448\u0456 \u0437\u0431\u0438\u0442\u043a\u0438 \u0437\u0456 \u0441\u0432\u043e\u0454\u0457 \u043a\u0438\u0448\u0435\u043d\u0456. \u0417\u0430 \u0432\u0456\u0434\u0441\u0443\u0442\u043d\u0456\u0441\u0442\u044c \u0447\u0438\u043d\u043d\u043e\u0433\u043e \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f OC \u0437\u0430\u0433\u0440\u043e\u0436\u0443\u044e\u0442\u044c \u0434\u0443\u0436\u0435 \u0432\u0438\u0441\u043e\u043a\u0456 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u0448\u0442\u0440\u0430\u0444\u0438.   <\/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\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-1e41183b992e65f8317ee00e13b8ec85\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong><strong>\u0421\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u043a\u0432\u0430\u0440\u0442\u0438\u0440\u0438\/\u0431\u0443\u0434\u0438\u043d\u043a\u0443 (\u0414\u043e\u0431\u0440\u043e\u0432\u0456\u043b\u044c\u043d\u0435)<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-60508d2e2f6a39390a89b688f6d73e2d\">\u0426\u0435\u0439 \u0432\u0438\u0434 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u0437\u0430\u0445\u0438\u0449\u0430\u0454 \u0442\u0432\u0456\u0439 \u043c\u0430\u0439\u043d\u043e\u0432\u0438\u0439 \u0441\u0442\u0430\u043d, \u0442\u043e\u0431\u0442\u043e \u0442\u0435, \u0449\u043e \u0454 \u0434\u043b\u044f \u0442\u0435\u0431\u0435 \u0446\u0456\u043d\u043d\u0438\u043c. \u0412\u043e\u043d\u043e \u043e\u0445\u043e\u043f\u043b\u044e\u0454 \u0437\u0431\u0438\u0442\u043a\u0438, \u044f\u043a\u0456 \u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0438\u043d\u0438\u043a\u043d\u0443\u0442\u0438 \u0432\u043d\u0430\u0441\u043b\u0456\u0434\u043e\u043a 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\u043d\u0435\u0440\u0443\u0445\u043e\u043c\u043e\u0441\u0442\u0456 \u0437\u0430\u0437\u0432\u0438\u0447\u0430\u0439 \u043c\u0430\u0454 \u0432\u043b\u0430\u0441\u043d\u0435 \u0441\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f, \u0430\u043b\u0435 \u0432\u043e\u043d\u043e \u043d\u0435 \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0454 \u0442\u0432\u043e\u0433\u043e \u043c\u0430\u0439\u043d\u0430.   <\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1281\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695.jpg\" alt=\"\" class=\"wp-image-1217\" style=\"border-radius:20px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695.jpg 1920w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695-640x427.jpg 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695-1200x801.jpg 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695-768x512.jpg 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-jakubzerdzicki-29568695-1536x1025.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\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<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1282\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523.jpg\" alt=\"\" class=\"wp-image-1218\" style=\"border-radius:20px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523.jpg 1920w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523-640x427.jpg 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523-1200x801.jpg 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523-768x513.jpg 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-anete-lusina-4792523-1536x1026.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-a23241d8da54d37d3049f44940f71cd2\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong><strong>\u0421\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u0436\u0438\u0442\u0442\u044f (\u0414\u043e\u0431\u0440\u043e\u0432\u0456\u043b\u044c\u043d\u0435)<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-palette-color-4-color has-text-color has-link-color wp-elements-79385edea55fd341b7b69bb2dcb2f851\">\u0421\u0442\u0440\u0430\u0445\u0443\u0432\u0430\u043d\u043d\u044f \u0436\u0438\u0442\u0442\u044f \u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0443\u0454 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0443 \u043f\u0456\u0434\u0442\u0440\u0438\u043c\u043a\u0443 \u0442\u0432\u043e\u0457\u0439 \u0440\u043e\u0434\u0438\u043d\u0456 \u0430\u0431\u043e \u043e\u0441\u043e\u0431\u0430\u043c, \u044f\u043a\u0438\u0445 \u0442\u0438 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\u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0435\u043d\u043d\u0456 \u0449\u043e\u0434\u0435\u043d\u043d\u043e\u0433\u043e \u0436\u0438\u0442\u0442\u044f.  <\/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\" style=\"flex-basis:60%\">\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color has-medium-font-size wp-elements-df107a924bdea130cc23eb434241687a\" id=\"kiedy-i-dlaczego-ostroznie-rozwazac-pozyczanie\" style=\"margin-bottom:20px;font-style:normal;font-weight:800;line-height:1.2\"><strong><strong><strong><strong>\u0422\u0443\u0440\u0438\u0441\u0442\u0438\u0447\u043d\u0435 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<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full has-custom-border\"><img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818.jpg\" alt=\"\" class=\"wp-image-1219\" style=\"border-radius:20px;aspect-ratio:16\/9;object-fit:cover\" srcset=\"https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818.jpg 1920w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818-640x427.jpg 640w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818-1200x800.jpg 1200w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818-768x512.jpg 768w, https:\/\/fpna.pl\/wp-content\/uploads\/2025\/08\/pexels-freestockpro-12955818-1536x1024.jpg 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","class_list":["post-1690","lesson","type-lesson","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/lesson\/1690","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=1690"}],"wp:attachment":[{"href":"https:\/\/fpna.pl\/uk\/wp-json\/wp\/v2\/media?parent=1690"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}