However you overlook the fact that it is unusual for a Polish family to have only one wage earner. So to take your calculation, the earnings would be 72,000 per year and the multiple 216,000, with a 20% deposit that is about 260,000. Reckon that is enough to buy family accommodation in the average Polish city?
More than enough. Most Polish people don't live in big cities, and right now, 260k will buy you a lot.
260k is certainly more than enough for a 3 bedroomed flat of 80-90sqm in a commuter town for Poznan. A 45 minute commute is hardly the end of the world, and work isn't concentrated in the centre of Poznan too. For example - let's take a couple who work for Allegro. It's located near the airport, and with the opening of the dual carriageway past Lawica, living in a small town about 20km away isn't a big deal. With 6000k a month in their pocket, it's perfectly possible for a young couple to do well in such areas.
Children are no different: if people can't wait until they are in a financial position to have kids, they have no right to whine about not being able to buy a flat.
This is one of the real problems - very often, women are studying something useless for 5 years, getting a worthless bit of paper - and then getting that first job. They get the "umowa o prace" - and suddenly fall pregnant. Their career is finished, because no employer will trust them again - and they stagnate, if they even go back to work.Quote and personal remark removed