The French real estate market of 2025 raises a burning question: should we start buying real estate this year or play the patience card? While the recovery seems to be taking shape after two complicated years, the situation remains complex and deserves in-depth analysis.
Simulate your borrowing capacity
Encouraging signals for 2025
Since the start of the year, several factors have led to optimism. The drop in interest rates on real estate loans, from 4.35% to 3.5% in one year, is giving borrowers a breath of fresh air. This trend, fueled by the decisions of the European Central Bank, opens the door to more accessible financing and increased purchasing power.
Large cities like Bordeaux and Toulouse are seeing an explosion in demand, with increases of 38% and 37% respectively. At the same time, prices in metropolises like Paris or Lyon are stabilizing, or even increasing slightly, marking a gradual exit from the downward cycle that began in 2023.
The benefits for buyers
- +5 m² on average : With the combination of increased purchasing power and favorable rates, buyers can aim bigger.
- Price stability : In the majority of large cities, prices stop falling and begin a gradual recovery.
These elements make 2025 particularly attractive for those who wish to take the plunge.
The uncertainties that are still holding back
Despite these positive signals, gray areas persist. The economic and political context remains fragile, with risks of institutional tensions which could disrupt the markets. Furthermore, the real estate supply is decreasing in certain large cities, limiting choices for buyers and potentially putting pressure on prices.
Risks to watch out for
- Political tensions : A prolonged crisis could reverse the trend in interest rates.
- Drop in supply : In Paris, for example, the supply of goods fell by 7% in 2024, reducing opportunities.
These factors raise a question: is the current recovery sustainable or is it likely to run out of steam in the face of these obstacles?
Should you buy now or wait?
The answer depends on your personal situation. If your finances are solid and you have found a property that meets your expectations, 2025 appears to offer a rare opportunity thanks to historically low rates. However, if you're willing to wait, monitoring how prices and rates change throughout the year might also be wise.
Key questions to ask yourself:
- Is my budget ready for a potential rate hike?
- Is the property that interests me in line with my long-term needs?
- Am I prepared to wait for a possible improvement in supply in 2026?
Simulate your borrowing capacity
Buy nowit means taking advantage of a generally favorable context, but it involves risks. To wait forit means playing it safe, while taking the bet that conditions will not deteriorate.
Do not hesitate to share this article to help those around you make the right decisions, because being better informed is already a better investment!
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