We live in very uncertain times. The political political and economic instability, trade tensions and constant financial financial risks are causing many people to hesitate before making significant decisions, such as buying a home. With property prices prices at high levels, it's natural that doubts arise: is it wise to buy right now? right now?

The reality is that whenever interest rates fall, a significant opportunity arises for those who want to buy a house, even if property

It is therefore essential to understand the importance of interest rates rates, as they have a direct impact on the value of the monthly installments associated with a mortgage loan. When they are low, they make and substantially reduce the total cost of the loan over the years. loan over the years. In practice, a house bought at a high price, but with a low interest rate can prove to be more advantageous in the long run than a cheaper house bought at a higher interest rate.

In addition to high house prices, it is important to note that the rental market is also high and, in many places, constantly increasing. For many families, the monthly becomes less than the amount paid in rent. Therefore, buying not only makes it possible to convert this expense into an investment, but also offers greater security and stability in the medium term, It also offers greater security and stability in the medium and long term.

But the social situation is worrying. Despite these opportunities, the current social reality cannot be ignored. A large proportion of citizens still don't have access to credit due to precarious employment, fixed-term contracts, green receipts or other forms of self-employment. These conditions, although they generate income, do not offer banks the stability necessary for credit approval, excluding a significant part of the population from the possibility of

This is a structural problem that requires effective by the state and financial institutions to create more inclusive solutions. more inclusive solutions. However, for those who manage to fulfill the requirements - namely stable employment contracts and the financial capacity for initial entry - this could be an opportunity to consider seriously.

For younger people, there are public support programs, such as the public public guarantee and tax benefits such as exemption from IMT and Stamp Duty. exemption from IMT and Stamp Duty on first home purchases. For those over over 35 years old and have difficulty putting together the initial down payment, real estate leasing is a viable alternative. This model allows you to live in the property while paying an installment, with the possibility of purchasing it in the future, offering greater flexibility and a progressive path to ownership.

Many people wait for the "perfect" moment to buy a house, hoping to find lower prices, greater economic economic stability and the house of their dreams. However, the unpredictability of economic cycles shows that it is extremely difficult to anticipate the market behavior with precision. It is therefore essential to analyze conditions and, if there is sufficient stability, take advantage of concrete opportunities rather than waiting indefinitely.

In conclusion. Low interest rates represent a significant opportunity to reduce the financial associated with buying a house, even in a context of high prices. Although many are still unable to move forward due to the conditions demanded by financial financial institutions, for those who manage to meet the requirements, this can be a strategic and be a strategic and advantageous decision in the long term. At the same time At the same time, we must continue to fight for more inclusive solutions and public policies that policies that allow more people access to decent housing.