The real estate market is at the center of concerns in 2025, and attracts the attention of investors as well as first-time buyers and economists. This change in mortgage rates, a true indicator of economic and financial health, plays a decisive role in this dynamic. Between 2023 and 2024, rates have fallen significantly. Thus, they go from 4.5% to 3.23%, a change that illustrates both the effects of the European Central Bank's flexible monetary policies and the banks' strategy to stimulate access to property. This decline is not just a statistic. It has already increased the borrowing capacity of thousands of households, which creates an unprecedented opportunity to revive a still fragile market. In a context marked by increased competition between financial institutions, this trend could intensify in 2025, which would suggest a new phase of growth for real estate.
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