What is the average interest rate on a housing loan in Poland?

What is the required down payment?

Is there an option for no downpayment?

What does a foreign currency loan mean and how is the exchange rate calculated?

Are there fixed interest rate loans?

What is the interest rate for a loan for a second or third property?

Thank you in advance for your response. I do not live in PL and I would like to have a better understanding of this topic.