{"id":560,"date":"2026-08-25T15:47:35","date_gmt":"2026-08-25T12:47:35","guid":{"rendered":"https:\/\/rutkowskihome.pl\/?p=560"},"modified":"2026-08-25T15:47:38","modified_gmt":"2026-08-25T12:47:38","slug":"refinansirovanie-ipoteki-v-polshe-kak-my-snizili-stavku-s-75-do-58-i-umenshili-platyozh-na-500-zlotyh-v-mesyacz","status":"publish","type":"post","link":"https:\/\/rutkowskihome.pl\/en\/realnye-kejsy\/refinansirovanie-ipoteki-v-polshe-kak-my-snizili-stavku-s-75-do-58-i-umenshili-platyozh-na-500-zlotyh-v-mesyacz\/","title":{"rendered":"Mortgage refinancing in Poland: How we lowered the rate from 7.5% to 5.8% and reduced the payment by 500 zlotys per month"},"content":{"rendered":"<h2 class=\"wp-block-heading\">The story of a client who decided to test his <a href=\"https:\/\/rutkowskihome.pl\/en\/uslugi\/ipotechnoe-soprovozhdenie\/\" data-type=\"page\" data-id=\"18\">mortgage loan<\/a> two years later<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many people believe that once they sign a mortgage, their credit is locked in for decades. However, a mortgage isn&#039;t a financial product you should forget about immediately after receiving the money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The market is changing, banks are changing their offers, interest rates are changing, and conditions that were considered very good two or three years ago may turn out to be far from the best today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is exactly the situation that happened to our client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two years ago he took out a mortgage loan in<a href=\"https:\/\/www.pekao.com.pl\/\" target=\"_blank\" rel=\"noopener\"> <strong>Bank Pekao SA<\/strong><\/a><strong>.<\/strong> with an interest rate <strong>7.5% per annum<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the time, it was a good offer, so the client&#039;s decision was well-founded.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But about two years later, the client contacted us again and asked us to check:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Is it possible to improve the terms of his mortgage today?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We decided not to limit ourselves to one bank and conducted a full analysis of refinancing options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The result was better than the client expected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who is our client?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Our client works in the field <strong>IT<\/strong>. His wife is currently unemployed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the time of application he already had an existing mortgage loan in <a href=\"https:\/\/www.pekao.com.pl\/\" target=\"_blank\" rel=\"noopener\">Pekao SA<\/a>., which was issued approximately two years ago under <strong>7,5%<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During this time, the market situation has changed, so we decided to test several options at once:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/rutkowskihome.pl\/en\/finansy\/%f0%9f%94%a5-refinansirovanie-ipoteki-v-polshe-kak-snizit-platyozh-ili-sokratit-srok-kredita-na-gody\/\" data-type=\"post\" data-id=\"395\">refinancing <\/a>in another bank;<\/li>\n\n\n\n<li>getting a better offer from your current bank;<\/li>\n\n\n\n<li>changing the terms of an existing loan without the need to transfer it.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It was the last option that ultimately turned out to be the most interesting.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where does professional mortgage refinancing begin?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If a client approaches us with an existing mortgage and says, &quot;Chc\u0119 refinansowa\u0107 kredyt,&quot; this does not necessarily mean that the loan must be transferred to another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes another bank actually offers significantly better terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But sometimes the best offer can be obtained directly from the bank where the client already has a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, in this case, we sent requests to three banks at once:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.aliorbank.pl\/\" target=\"_blank\" rel=\"noopener\">Alior Bank<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.credit-agricole.pl\/klienci-indywidualni\" target=\"_blank\" rel=\"noopener\">Credit Agricole<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.pekao.com.pl\/\" target=\"_blank\" rel=\"noopener\">Pekao SA<\/a>. \u2014 the client&#039;s current bank<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">This approach allows you to compare real offers and choose the most advantageous option.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Alior Bank offered a rate of 5,83%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We received our first interesting offer from Alior Bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The bank offered the client refinancing with an interest rate of 5.83% per annum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compared to the original 7.5%, this was already a very significant difference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Looking solely at the interest rate, the offer looked really interesting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But we continued checking.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit Agricole - rate 5.90%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We received the second offer from Credit Agricole.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, the bank offered an interest rate of 5,90% per annum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It was also significantly better than the client&#039;s original loan terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At this stage, it was already clear that the client actually had the opportunity to reduce the cost of the mortgage loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But there was still one option left.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What will Pekao SA offer?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Since the client&#039;s existing loan was held with Pekao SA, we decided to check whether the bank was willing to offer its existing client more favorable terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the most important points when analyzing refinancing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many people think that refinancing automatically means transferring the loan to another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But this is not always the case.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the current bank is willing to lower the rate in order to retain the client.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And that&#039;s exactly what happened in our case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pekao SA bid 5.80%<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The client&#039;s current bank offered to reduce the interest rate to 5,80%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thus, Pekao SA\u2019s offer turned out to be even slightly better than its competitors\u2019 offers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The following picture emerged:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pekao SA \u2014 5,80%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alior Bank \u2014 5,83%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit Agricole \u2014 5,90%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pekao SA&#039;s old rate was 7,50%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And here it&#039;s especially clear why we don&#039;t recommend clients automatically transfer their mortgage to another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the best deal is found in your own bank.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why didn&#039;t we transfer the loan right away?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine the situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The client sees an advertisement: \u00abMortgage 5,83%!\u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He goes to another bank, begins the refinancing process, collects documents, goes through a credit check, property appraisal, and other steps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Meanwhile, his own bank could offer him even better conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why we compare all the options first.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In our case, the client was given the opportunity to improve the terms without changing banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means fewer formalities and no need to go through the entire process of transferring a loan to another financial institution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Result: minus 500 z\u0142 to the monthly payment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most interesting result for the client is, of course, not the interest rate figure itself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main thing is how much money he has left each month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After changing the terms, the monthly mortgage payment decreased by approximately 500 z\u0142.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It means:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">500 z\u0142 x 12 months = about 6,000 z\u0142 per year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This means that each year the client receives approximately 6,000 z\u0142 less in mortgage loan servicing costs compared to the previous payment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Over a period of several years, the difference becomes even more noticeable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#039;s important to understand that when evaluating refinancing, you shouldn&#039;t look solely at the monthly payment amount. You also need to consider the remaining equity, the loan term, additional products, fees, insurance, and other potential expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That is why we always assess the situation comprehensively.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How long did the process take?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Another important point is speed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The whole process took about two weeks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During this time we:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>studied the client&#039;s current situation;<\/li>\n\n\n\n<li>prepared calculations;<\/li>\n\n\n\n<li>sent requests to several banks;<\/li>\n\n\n\n<li>received proposals;<\/li>\n\n\n\n<li>compared the conditions;<\/li>\n\n\n\n<li>checked the possibility of improving conditions in the current bank;<\/li>\n\n\n\n<li>chose the most profitable option.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">As a result, the client received a rate of 5,80% instead of 7,50% and reduced the monthly payment by approximately 500 z\u0142.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is it necessary to change banks when refinancing?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is one of the main conclusions from this story.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The term &quot;refinancing&quot; is often associated exclusively with the transfer of a mortgage from one bank to another.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But in practice, it is worth considering the issue more broadly:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab&quot;How to reduce the cost of an existing mortgage?&quot;\u00bb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Various scenarios are possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 1. Transferring the loan to another bank<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If another bank offers significantly better terms, full refinancing may be considered.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 2. Negotiations with the current bank<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sometimes the current bank is willing to lower the rate in order to retain the client.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Option 3. Comparison of several banks<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The most rational approach is to receive several proposals and compare them with each other.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is exactly the approach we used in this case.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is it worth checking your mortgage after a few years?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A mortgage loan is often taken out for 20\u201330 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During this period, the market can change several times.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">May change:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>interest rate level;<\/li>\n\n\n\n<li>banking policy;<\/li>\n\n\n\n<li>margin size;<\/li>\n\n\n\n<li>customer requirements;<\/li>\n\n\n\n<li>availability of various mortgage programs;<\/li>\n\n\n\n<li>cost of additional banking products;<\/li>\n\n\n\n<li>the financial situation of the client himself.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, conditions that were good two years ago are not necessarily the best today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our client is a good example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When he applied for a loan at 7.5%, the offer was quite competitive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two years later the situation changed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And a simple check showed that it is possible to obtain conditions at the level of 5.80\u20135.90%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is especially important when refinancing?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many people only look at the interest rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7.5% \u2192 5.8%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">and they immediately think that the savings are huge.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But a professional analysis must take into account many more factors.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need to check:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>remaining debt;<\/li>\n\n\n\n<li>current monthly payment;<\/li>\n\n\n\n<li>remaining loan term;<\/li>\n\n\n\n<li>new interest rate;<\/li>\n\n\n\n<li>new monthly payment;<\/li>\n\n\n\n<li>commissions;<\/li>\n\n\n\n<li>insurance;<\/li>\n\n\n\n<li>additional banking products;<\/li>\n\n\n\n<li>early repayment conditions;<\/li>\n\n\n\n<li>cost of mortgage transfer;<\/li>\n\n\n\n<li>cost of real estate appraisal;<\/li>\n\n\n\n<li>possible notary and court costs;<\/li>\n\n\n\n<li>the total cost of the loan after changing the terms.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Only after this can we say whether refinancing is truly profitable.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why is it important to apply to more than one bank?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let&#039;s imagine that the client only contacted Alior Bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He would have received an offer of 5,83% and would most likely have been happy with the result.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But we went further.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Checked Credit Agricole - 5,90%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We checked Pekao SA - 5.80%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And it turned out that the client can get the best option without changing banks at all.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#039;s why when dealing with a mortgage, it&#039;s important to compare the market rather than settle for the first offer.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Client history in numbers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Was:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank: Pekao SA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Period after receiving the loan: about 2 years<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Initial Interest Rate: 7,50%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Proposals received:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alior Bank: 5,83%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit Agricole: 5,90%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pekao SA: 5,80%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Result:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">New rate: 5,80%<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rate cut: 1.70 percentage points<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Reduction of monthly payment: about 500 z\u0142<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Annual savings on the payment amount: about 6,000 z\u0142<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Duration of the process: about 2 weeks<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Do you have to wait several years to check your mortgage?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each situation is individual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if you have a mortgage taken out several years ago, especially if the rate was significantly higher than what banks are offering today, it makes sense to at least do some calculations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This does not mean that you should necessarily change banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your current bank may be able to offer you new terms.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perhaps a competitor will make a better offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Or perhaps, after all the calculations, it turns out that there is no need to change anything.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main thing is to check first.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage refinancing in Poland \u2013 where to start?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you already have a mortgage in Poland and want to see if you can reduce your interest rate or monthly payment, the first step is to analyze your existing loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is no need to submit documents to all banks at once.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First, it is worth determining:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>how much capital remains to be repaid;<\/li>\n\n\n\n<li>What is the current interest rate?;<\/li>\n\n\n\n<li>How much is the monthly payment?;<\/li>\n\n\n\n<li>how much time is left until the end of the loan;<\/li>\n\n\n\n<li>what conditions can be obtained today;<\/li>\n\n\n\n<li>How much will it cost to change or transfer a loan?;<\/li>\n\n\n\n<li>What is more profitable - to change banks or to come to an agreement with the current one?.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">This approach allows you to make decisions based on numbers, not advertising.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: mortgages also need to be checked periodically<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Our client&#039;s story demonstrates a very simple principle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two years ago, the rate of 7.5% was a normal and competitive offer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today the client was able to receive 5,80%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moreover, to do this, he did not have to transfer the mortgage to another bank.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We checked Alior Bank, Credit Agricole and Pekao SA, compared offers and found that the best option is with the current lender.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a result, the rate dropped from 7.5% to 5.8%, and the monthly payment decreased by approximately 500 z\u0142.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The whole process took about two weeks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Therefore, if you already have a mortgage in Poland, especially one taken out several years ago, you shouldn&#039;t automatically assume that its terms remain optimal.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The market is changing. Banks are changing their offers. And sometimes one simple analysis can save you hundreds of zlotys every month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Want to see if you can reduce your mortgage rate?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/rutkowskihome.pl\/en\/kontakty\/\" data-type=\"page\" data-id=\"30\">We can compare available refinancing options, check offers from multiple banks, and determine if your current bank is willing to improve your terms.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may not need to change banks, just like our client in this story.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>The story of a client who decided to check his mortgage loan after two years Many people believe that after signing a mortgage agreement the question<\/p>","protected":false},"author":1,"featured_media":561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-560","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-realnye-kejsy"],"_links":{"self":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/560","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/comments?post=560"}],"version-history":[{"count":1,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/560\/revisions"}],"predecessor-version":[{"id":562,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/posts\/560\/revisions\/562"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media\/561"}],"wp:attachment":[{"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/media?parent=560"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/categories?post=560"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rutkowskihome.pl\/en\/wp-json\/wp\/v2\/tags?post=560"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}