Real estate purchase: the end of the crisis in 2025 or a temporary embellished?

The “Great Rendez-vous de l’Emal du Real estate” (Capital / Radio Immo) devotes its January number to the state of the real estate market. Is the ownership access crisis, due to the outbreak of credit rates in two years, behind us? Response elements.

Capital video: Real estate: is the crisis finally behind us?

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After already two and a half years of a real estate crisis caused by the outbreak of credit ratecan contenders for home ownership finally hope to see the end of the tunnel in 2025? “There is an upturn”concede Loïc Cantin, president of the National Real Estate Federation (FNAIM), in “Le Grand Rendez-vous de l’Emalopue” (Capital/Radio Immo) of January. He thus tried on 830,000 sales of old housing in the first quarter of 2025, over 12 months, compared to 780,000 in 2024.

An embellish permitted by the drop in credit rates, in the wake of those of the European Central Bank (ECB)and by that of prices, in 2024. But the president of FNAIM does not exclude a rates of rates, in terms of the increase in borrowing rates of France and the risk of an American inflationary policy. The opportunity to recall his proposal to set up a Loan portabilityin order to allow borrowers who have benefited from an attractive rate to keep it to finance a second purchase.

An upcoming housing crisis

In the second part of our interview, Loïc Cantin warns of the risk of a housing crisis, after that of real estate. Unable to buy their main residence due to the quadrupling of credit rates in two years, number of first-time buyers have remained tenants. Thus aggravating the shortage of property for rent, to the point that “”17% of students give up their studies for lack of housing»»deplores the president of FNAIM. For whom it is necessary “Improve the taxation of property detention”in order to restore want to invest in French people discouraged by taxes and new regulations, like the prohibition for the rental of the thermal colanders G since January 1, 2025. A ban which Loïc Cantin asks that It is limited to the new rental contracts concluded from this date, so that the renewals of leases are not affected.

Your “Your Questions, our answers” section

As every month, experts – notaries, lawyers, real estate agents – of your “your questions, our answers” section answer your questions. This month, Romain Rossi Landilawyer, deals with the case of a hill owner to an unpaid rent, who discovers that the death of his tenant is originally and wonders how to recover this sum. Nathalie Couzigou Suhasnotary, answers the question of an owner who is preparing to achieve a pretty added value on his second home, with a taxation to the key, and who wants to know if he can deduct the cost of the work of this amount that he himself made. Finally, Anne Boucautreal estate agent, looks at the case of a lessor owner who wonders if the Visale warranty is safer than a natural person guarantor.