{"id":42304,"date":"2025-04-19T12:01:59","date_gmt":"2025-04-19T10:01:59","guid":{"rendered":"https:\/\/qualitykeys.es\/is-the-real-estate-market-back-on-the-upswing-everything-points-to-yes\/"},"modified":"2025-04-19T12:01:59","modified_gmt":"2025-04-19T10:01:59","slug":"is-the-real-estate-market-back-on-the-upswing-everything-points-to-yes","status":"publish","type":"post","link":"https:\/\/qualitykeys.es\/en\/is-the-real-estate-market-back-on-the-upswing-everything-points-to-yes\/","title":{"rendered":"Is the real estate market back on the upswing? Everything points to yes."},"content":{"rendered":"

The economic and financial panorama in Europe is experiencing a new twist with the recent lowering of interest rates by the European Central Bank (ECB)<\/strong>, which has reactivated one of the great engines of the real estate market: financing<\/strong>.<\/p>\n

The improvement in mortgage conditions is favoring the return of certain buyer profiles that, in recent quarters, had been excluded due to the increase in credit costs.Among them, young buyers<\/strong> stand out, as they are beginning to re-enter the home-buying process. <\/p>\n

Low rates and demand reactivation<\/h2>\n

According to data from Fotocasa<\/strong>, 21% of current demand has been directly incentivized by previous improvements in interest rates.Even more revealing: 7% of recent buyers purchased a home without originally planning to<\/strong>, driven by the new market conditions. <\/p>\n

At QUALITY KEYS INMOBILIARIOS<\/strong>, we have noticed how this change in the financial context has brought many potential buyers back to the market, especially young people.In fact, 1 in 3 young people <\/strong> who have recently bought a home did so thanks to more accessible mortgages. <\/p>\n

What do the data say?<\/h2>\n

Ibercaja’s<\/strong> analysis reinforces this trend: a looser monetary policy has generated a notable expansion of buying and selling operations<\/strong>, even in an environment where the margin for continuing to reduce rates might be running out.If the ECB stabilizes its reference rate around 2%, it is possible that this expansive phase will moderate, but the current effects are already palpable. <\/p>\n

In parallel, Tinsa by Accumin <\/strong> reports that the average price per square meter in Madrid capital has increased by 6.2% year-on-year in the first quarter of 2025<\/strong>, showing how demand is once again beginning to put pressure on prices, especially in consolidated and high-demand areas.<\/p>\n

Mortgages: Is there a silent war?<\/h2>\n

Although the Euribor has fallen, the banks have adopted a cautious position<\/strong>.There are no significant visible discounts in the catalog offers, but there are more competitive conditions in personalized negotiations.<\/strong>According to data from iAhorro and HelpMyCash<\/strong>, the best profiles are accessing fixed-rate mortgages starting from 1.4%\u20131.5%, and variable-rate ones from Euribor +0.25%. <\/p>\n

This confirms that, although the context has improved, access to the best conditions remains reserved for profiles with high creditworthiness<\/strong>.Moreover, geopolitical factors (such as the U.S. tariff threat on the European industry) continue to generate uncertainty, leading the banking sector to remain cautious. <\/p>\n

What to expect in the short term?<\/h2>\n