firstly the average wage is around the 3000zl mark, can we agree??
The average salary for the whole of Poland has been released last month, it is 3300PL per month.
a modest apartment for say 450,000zl
That is the price of a house in the suburbs of one of the main cities.
Or a top end apartment in the the centre of one of the main cities.
Can't, i am afraid.
You are taking below average wage for the whole country and top end apartments in the main city centres.
how are these people supposed to live on fresh air you may suggest,
Learning how to use a calculator would be a good starting point at this stage for you and your aliases.
bank allows mortgage payment of ONLY 40% of the income.
This is to prevent people accumulating huge debt and prevents the type of thing that your point suggests.
ifaverage NET income is 2000 pln/month
'IF' is the main word there and it is not.
A person should not pay more than 5 years (let's say MAXIMUM 10 years)
for a shit_ty apartment, so 48 000 - 80 000 pln will be soon the MAXIMUM price
for a flat in the center of Krakow
Not going to happen just because you and your aliases think it should.