drop in prices and borrowing rates…. 2025, ideal year to buy?

No break with the new year. At the end of 2024, the real estate market had experienced a rebound after a difficult first half. The year 2025 should confirm this recoveryaccording to a barometer unveiled by Se Loger and Meilleurs Agents. And in Paris, the outlook is encouraging for buyers, since over one year, the price per square meter is in decrease of 0.4% to currently stand at 9,355 eurosmaking the capital the most expensive city in France.

Positive prospects that could quickly change

Good news could also come from Frankfurt (Germany) and the headquarters of the European Central Bank (ECB). The borrowing rate should fall and perhaps reach “the symbolic bar of 3%”. “Logically, the combination of these different elements should lead to a new decline in real estate loan rates for individuals», Indicates Thomas Lefebvre, vice-president of Data at SeLoger and Meilleurs Agents.

But if prices fall, goods become increasingly rare, according to the barometer: – 7% over one year. Political instability and the succession of governments are also a factor to take into account, assures Thomas Lefebvre. “The question of the impact of rapid budget cuts on household income and their solvency would then arise more acutely. The same would apply to the policy that banks would follow in these circumstances in terms of granting credit,” he explains.

For all these reasons and anticipating a market recovery with prices up 2%it is strongly recommended not to wait before buying the apartment or house of your dreams.

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