Building interest now again below the annual high (Photo: Freepik, Setiadio)
Berlin/Munich/Lübeck-Union and SPD plan billion dollar loans for armor and infrastructure. This fueled the returns for government bonds and pulled the building conditions with them – at levels as last in mid -2024. In March, the average interest rate reached 3.73 percent. Low interest adé?
After all: After the stalks, the construction interest rates in April decreased somewhat. Currently lies on interhyp.de The middle effective interest rate for 10-year loans at 3.6 percent. The top interest rate of drklein.de is 3.39 percent, check24.de Names 3.13 percent as the best value (yesterday 12 noon CEST).
Framework data of construction finance – real estate demand is increasing
And so further financing aspects develop: from February to March drklein.de An increase in the middle loan amount from 7,000 to 319,000 euros. The fixed interest rate is 10 years and almost 10 months, the share of the loan amount in the property value falls to 85.57 percent.
Thanks to the interest rate until January ImmobilienScout24.de In the 1st quarter more people looked for a property – the demand in cities increased by 17 percent in the year, in the surrounding area of the 8 metropolises there were 16, in the country and in the metropolises 12 percent.
Rising prices on the real estate market – hope of new building
With the demand, the offer prices in the 1st quarter of 2025 also attracted: plus 1.4 percent compared to the period from October to November. From quarter 3 to quarter 4 If the price survival was lower, according to calculations by Barkow Consulting, it was 0.4 percent.
Due to the rising increase after the Russian attack, housing also broke, which tightened the real estate crisis. Now there are hopes for politics: the new coalition agreement is huge step for more living space, means Axel Gedaschko about from the housing association Gdw.
Retite of the federal bonds-expert forecast: no downward trend
If living space is created, this also takes pressure from the purchase prices. On the other hand, the planned government debt presumably raises the interest rate level. Since March 11, the return for 10 years of federal bonds, the reference for building interest rates, has weakened from 2.93 to 2.57 percent.
The Experts of the Interhyp bankruptcy panel In view of the debt package, a long -term downward trend in building interest rates – especially since state debt is increasing throughout Europe. In about 3 percent, he sees the returns of 10-year-old federal bonds at the end of 2025, according to a panel member.
Customs chaos can change interest policy-intermediate low as an opportunity
But the situation remains confusing, also thanks to Trump’s customs chaos, where there can be volts every day, which heat up inflation and thus have an impact on interest. Recently rails Interest cuts of the European Central Bank Probably on April 17th and June – but things are in the flow.
Despite unsafe prospects, observers currently see a small intermediate low in real estate interest. That is a good chance to save money from financing, says Mirjam Mohr from Interhyp. In view of the fluctuating environment, she advises intensive exchange with experts.