Recent regulations forbid Polish banks granting credits in different currency than the salary. I don't think that there are any banks giving credits in AUD. It must be quite hard to prove to Polish bank that you have any job in Australia too.
This year, the sparse foreign currency loans found their way only to a very wealthy Poles. This happened because the banks gave them to people whose monthly income was substantial, ranged even 12-15 thousand. zł net. This is far more than required in previous years. The analyst told PAP that the average value of these loans was high - approx. 500 thousand. zł, while the average PLN loan for an apartment is 200 thousand. zł.
The decrease in the number of foreign currency loans in Poland is a result of Recommendation S of the Financial Supervision Commission on the mortgage, which entered into force in January 2014 to reduce currency risk. It has increased significantly after the financial meltdown in the US in September 2008.
In July this year, came into force last of the recommendations in Recommendation S. As stressed Sadowski, from the beginning of July, the banks can not give foreign currency loans to those who earn in Polish zlotys. In contrast, loan in our currency will not get persons or family that receive such income mostly in eg. euros or dollars.
He added that the people earning in foreign currency will not have easy life, because the euro, dollars or British pounds credit offers is not much on the market. - For example, about eight banks intends to provide loans in euros on a new basis - he explained.