Häuser in Stuttgart: Neubauten werden vielerorts zu teuer
Foto: IMAGO / IMAGO/Wilhelm Mierendorf
Bank representatives from cooperative banks expect predominantly falling prices for houses and apartments in many regions of Germany in the coming months. According to a survey, 71 percent of the executive boards of Volks- and Raiffeisenbanks of the Cooperative Association anticipate a mostly slight decrease in prices for residential properties in their respective regional markets in the second half of the year.
The Cooperative Association, headquartered in Neu-Isenburg near Frankfurt, represents institutions in all federal states except Bavaria and Baden-Württemberg.
Für 2024 geht fast die Hälfte der Befragten davon aus, dass die Preise weiter zurückgehen werden. Allerdings sind für das kommende Jahr wieder deutlich mehr der Vorstände der Ansicht, dass die Immobilienpreise konstant bleiben (37 Prozent) oder leicht anziehen werden (13 Prozent).
„The results are interpreted by Ingmar Rega, CEO of the Cooperative Association, as leading to a stabilization in the real estate market. The current level of long-term loan interest rates would then become the market standard.“
The high costs of construction are slowing down new building projects.
The executives of the 229 institutions participating in the survey are pessimistic about the financing of new construction projects. The majority (73 percent) expects a slight or significant decline in 2023 and 2024 (63 percent). „In addition to the interest rate turnaround, significantly higher construction costs are also a factor,“ Rega explained. „To revitalize new construction, bureaucratic obstacles should be reduced.“
Die zuletzt gestiegenen Kreditzinsen verteuern die Finanzierung von Immobilien. »Kunden müssen gerade unter den aktuellen Bedingungen über eine gute Bonität und vor allem genügend Eigenkapital verfügen«, sagte Rega. Wer mehr eigenes Geld einbringt, bekommt in der Regel einen etwas günstigeren Kredit.