You can't compare the two - Krakow doesn't have the same problems that Berlin has. Young people in Poland often move to Krakow to work - with Berlin, they move away.
OK Delphi but i could also have said that Krakow is more expensive than Montpellier,France or Firenze, Italy ,Budapest ,Prague.
I understand the attraction of Krakow and young people moving in for their studies but it is not that economically dynamic compared to Warsaw, it would be interesting to compare the Warsowian and Krakowians 'income and the city of Krakow is also in huge deficit.
So we hunkered down and took a bit longer to build. For me banks are simply usurers.
Typically Commercial Banks( not brokers ) that provide mortgages will ask that you "domiciliate" your salaries in the bank which issued you the home mortgage and push you to leave your regular bank ! That' s how they get new customers .( you speak about beeing morally wrong but i have never heard of a bank beeing morally right, they are all greedy )
So teflcat what did you do ? Where did you get your mortgage ?