The real estate market in 2025 presents a number of dynamics that potential buyers should carefully consider. Let's analyze the key factors influencing the decision to purchase a property this year.
Price trends
According to recent data, purchase and rental prices have maintained an upward trend. Purchases and sales are projected to increase by 51% in Q3 and rentals by up to 101% in Q3, especially in metropolitan and coastal areas. This upward pressure is due to sustained demand and the limited supply of available housing.
Mortgage rates
Mortgage interest rates have experienced slight declines, falling to a range between 61% and 71%, with a likelihood of gradual declines throughout the year. This trend favors buyers, as it reduces the financial cost of purchasing a home.
Supply and demand
The market is facing a supply crisis exacerbated by difficulties in financing developers and a lack of investment. Prices have surpassed the levels of the 2008 crisis, and credit to the sector is at its lowest since the 1990s. Banks are demanding strict conditions for financing projects, which increases costs for developers and limits the availability of new housing.
Final considerations
Despite market tensions, 2025 could be a good time to buy a home, especially if you consider the following recommendations:
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Assess personal financial capacity: Analyze income, expenses, and job stability to ensure the long-term commitment that a mortgage entails.
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Research the local market: Identify areas with potential for appreciation and compare prices.
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Take advantage of favorable mortgage conditions: Look for lenders that offer competitive rates and advantageous terms, such as green mortgages for sustainable homes.