[{"data":1,"prerenderedAt":199},["ShallowReactive",2],{"blog-article-rising-interest-rates-february-2022-en":3},{"article":4,"recommendedArticles":181},{"slug":5,"title":6,"listPicture":7,"listPictureMobile":8,"listPictureWebp":9,"listPictureMobileWebp":10,"preview":11,"category":12,"author":13,"authorImage":14,"authorImageWebp":15,"authorDescription":16,"authorSlug":17,"content":18,"contentRaw":19,"order":164,"publishedAt":165,"createdAt":165,"updatedAt":166,"seoTitle":167,"seoDescription":168,"seoKeywords":169,"seoImage":170,"mainPicture":171,"mainPictureMobile":172,"mainPictureWebp":173,"mainPictureMobileWebp":174,"language":175,"subTitle":169,"actionLabel":169,"actionType":169,"actionText":169,"id":169,"introduction":11,"tableOfContentArray":176},"rising-interest-rates-february-2022","Rising Interest Rates: Do they affect my mortgage rates?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3EQVZL4hetr8HxjuKPGHKo\u002F90ed7b88e63b7cab5c4a164d77a897b5\u002Frising_interest_rates-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4OD693maJEtOekxupUAoKi\u002F619c6523a467daf5276a7b62ed55d5d0\u002Frising_interest_rates-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F4OaoTkpJwcgDLK3HmA5rmn\u002F991e8f469484c27a42e9b42f87633443\u002Frising-interest-rates-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3db3kclzDVvwq7Mo19YMaj\u002F917d6f974e8066a7bc542ab3f3f30981\u002Frising-interest-rates-380x243.webp","Internally our message has been, ever since the mildness of Omicron became clear,  that interest rates will increase soon. And this is what we see happening now. Rates are shooting up.\n\nWhat is the outlook? And what does it mean for mortgage rates?","market-news","Dr. Chris Mulder","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.png","https:\u002F\u002Fa.hypofriend.de\u002Fhypofriends\u002Fdr.-christian-mulder.webp","Dr. Chris is a former Senior Economist and Manager at the IMF and The World Bank. He is a Hypofriend Co-founder.","chris","  \u003Cdiv id=\"table-of-contents\">\n    \u003Cdiv class=\"headline\">\n      Table Of Contents\n    \u003C\u002Fdiv>\n    \u003Cul>\n      \u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-outlook-how-will-interest-rates-evolve\">\n    Outlook: How will interest rates evolve?\n  \u003C\u002Fa>\n\u003C\u002Fli>\u003Cli>\n  \u003Ca @click.prevent=\"$root.$emit('scrollAnchor', $event)\" href=\"#h-what-does-it-mean-for-your-mortgage\">\n    What does it mean for your mortgage?\n  \u003C\u002Fa>\n\u003C\u002Fli>\n    \u003C\u002Ful>\n  \u003C\u002Fdiv>\n\u003Cp>The benchmark 10-year German government bonds have gone from about -0,4 % in late November when it was discovered that Omicron was highly contagious to almost 0,2 % this morning.\u003C\u002Fp>\n\u003Ch2 id=\"h-outlook-how-will-interest-rates-evolve\">Outlook: How will interest rates evolve?\u003C\u002Fh2>\n\u003Cp>From a technical perspective (i.e., where the market looks just at price and volume indicators), the market is hitting a peak now and will likely trade in the 0% to 0,25 % range. The next step would be hitting 0,5 %, a peak that was repeatedly reached in 2019.\u003C\u002Fp>\n\n            \u003Cpicture>\n              \u003Csource type=\"image\u002Favif\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=avif&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=avif&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=avif&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=avif&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=avif&w=1922 2x\n                    \">\n              \u003Csource type=\"image\u002Fwebp\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=webp&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=webp&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=webp&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=webp&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?fm=webp&w=1922 2x\n                    \">\n              \u003Cimg loading=\"lazy\" class=\"image-fluid\" alt=\"Germany 10 year bonds February 2022\" sizes=\"(min-width: 961px) 961px, 100vw\" width=\"961\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=1922 2x\n                    \" src=\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png?w=961\">\n            \u003C\u002Fsource>\u003C\u002Fsource>\u003C\u002Fpicture>\n          \n\u003Cp>\u003C\u002Fp>\n\u003Cp>The bond market, which is the best working and most professional market in the world, is still pretty sanguine about the longer-term rate outlook. You can see that in the long-term, 30-year rates have not increased nearly as much as the 0-10-year rates recently.\u003C\u002Fp>\n\n            \u003Cpicture>\n              \u003Csource type=\"image\u002Favif\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=avif&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=avif&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=avif&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=avif&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=avif&w=1922 2x\n                    \">\n              \u003Csource type=\"image\u002Fwebp\" sizes=\"(min-width: 961px) 961px, 100vw\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=webp&w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=webp&w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=webp&w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=webp&w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?fm=webp&w=1922 2x\n                    \">\n              \u003Cimg loading=\"lazy\" class=\"image-fluid\" alt=\"Performance-German-Bond-Yields\" sizes=\"(min-width: 961px) 961px, 100vw\" width=\"961\" srcset=\"\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=327 327w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=570 570w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=961 961w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=1200 1200w,\n                      \u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=1922 2x\n                    \" src=\"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png?w=961\">\n            \u003C\u002Fsource>\u003C\u002Fsource>\u003C\u002Fpicture>\n          \n\u003Cp>\u003C\u002Fp>\n\u003Cp>The professionals who take positions in bonds (like pension funds) still believe that the interest increase that we see recently will not last long. Otherwise, they would not be willing to invest for 30 years (yes, 30 years!) at 0,3 %. \u003C\u002Fp>\n\u003Cp>Their logic is that supply bottlenecks drive the current high inflation. But it won't last. For example, while overall German inflation came in at 5 % for January, core inflation (i.e., for all stable items) was just 1,6 %. In other words, all the bottlenecks, like the shortfall in chips or the high gas prices, are temporary, and their effect on inflation will disappear, leaving us with core inflation around the 2 % target.\u003C\u002Fp>\n\u003Cp>In my view, there is still a fair chance that central banks like the European Central Bank underestimate the persistence of inflation. In other words, workers who see their purchasing power will demand higher compensation, and this, in turn, leads to higher prices and requires a stronger interest rate response. Indeed, I would not be surprised for the 10-year interest rate to hit 1-1,2 %. After all, countries have started to run large fiscal deficits, and these need to be financed.\u003C\u002Fp>\n\u003Ch2 id=\"h-what-does-it-mean-for-your-mortgage\">What does it mean for your mortgage?\u003C\u002Fh2>\n\u003Cp>Expect higher mortgage rates in the next few days. Banks typically respond with a few days' lag. The recent increase is too large to ignore. \u003C\u002Fp>\n\u003Cp>And over time, rates will increase further. Not massively. In a historical context, a bond rate of 1-1,2 % is still very, very low. As companies, individuals, and governments are all relatively indebted due to the low rates, an increase also has a relatively higher impact, so an increase will slow the economy quicker and thus help to reduce inflation. Also, the underlying savings glut on the corporate side and due to aging populations persists. So, the long-term reason for modest interest rates remains unchanged.\u003C\u002Fp>\n\u003Cp>For you as a mortgage customer, it means rates are likely to move over the course of this year and next into the 3-3,5 % range. The impact on house prices will, in our view, be a slowdown, but not a decline, as the momentum is so strong in the market and interest rates are still historically very low.\u003C\u002Fp>\n\u003Cp>\u003Ca href=\"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator\">Check your mortgage options with our German mortgage calculator.\u003C\u002Fa>\u003C\u002Fp>",{"data":20,"content":21,"nodeType":163},{},[22,31,39,46,63,70,77,90,96,103,110,117,124,131,138,145],{"data":23,"content":24,"nodeType":30},{},[25],{"data":26,"marks":27,"value":28,"nodeType":29},{},[],"The benchmark 10-year German government bonds have gone from about -0,4 % in late November when it was discovered that Omicron was highly contagious to almost 0,2 % this morning.","text","paragraph",{"data":32,"content":33,"nodeType":38},{},[34],{"data":35,"marks":36,"value":37,"nodeType":29},{},[],"Outlook: How will interest rates evolve?","heading-2",{"data":40,"content":41,"nodeType":30},{},[42],{"data":43,"marks":44,"value":45,"nodeType":29},{},[],"From a technical perspective (i.e., where the market looks just at price and volume indicators), the market is hitting a peak now and will likely trade in the 0% to 0,25 % range. The next step would be hitting 0,5 %, a peak that was repeatedly reached in 2019.",{"data":47,"content":53,"nodeType":54,"asset":55},{"target":48},{"sys":49},{"id":50,"type":51,"linkType":52},"KySt8eRupkGOfWoZokZCa","Link","Asset",[],"embedded-asset-block",{"fileName":56,"details":57,"url":62},"Germany-10-year-bonds-February-2022-10-year-performance@2x.png",{"size":58,"image":59},102686,{"width":60,"height":61},1356,992,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002FKySt8eRupkGOfWoZokZCa\u002F06dd42b98d64cb3e627abfd7449ea5c1\u002FGermany-10-year-bonds-February-2022-10-year-performance_2x.png",{"data":64,"content":65,"nodeType":30},{},[66],{"data":67,"marks":68,"value":69,"nodeType":29},{},[],"",{"data":71,"content":72,"nodeType":30},{},[73],{"data":74,"marks":75,"value":76,"nodeType":29},{},[],"The bond market, which is the best working and most professional market in the world, is still pretty sanguine about the longer-term rate outlook. You can see that in the long-term, 30-year rates have not increased nearly as much as the 0-10-year rates recently.",{"data":78,"content":82,"nodeType":54,"asset":83},{"target":79},{"sys":80},{"id":81,"type":51,"linkType":52},"1x1jP2sZbueGhmpeP6oqWL",[],{"fileName":84,"details":85,"url":89},"Performance-German-Bond-Yields.png",{"size":86,"image":87},57811,{"width":60,"height":88},814,"\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1x1jP2sZbueGhmpeP6oqWL\u002Fc76ec565fdbf2cb083dfc5c41cb6e754\u002FPerformance-German-Bond-Yields.png",{"data":91,"content":92,"nodeType":30},{},[93],{"data":94,"marks":95,"value":69,"nodeType":29},{},[],{"data":97,"content":98,"nodeType":30},{},[99],{"data":100,"marks":101,"value":102,"nodeType":29},{},[],"The professionals who take positions in bonds (like pension funds) still believe that the interest increase that we see recently will not last long. Otherwise, they would not be willing to invest for 30 years (yes, 30 years!) at 0,3 %. ",{"data":104,"content":105,"nodeType":30},{},[106],{"data":107,"marks":108,"value":109,"nodeType":29},{},[],"Their logic is that supply bottlenecks drive the current high inflation. But it won't last. For example, while overall German inflation came in at 5 % for January, core inflation (i.e., for all stable items) was just 1,6 %. In other words, all the bottlenecks, like the shortfall in chips or the high gas prices, are temporary, and their effect on inflation will disappear, leaving us with core inflation around the 2 % target.",{"data":111,"content":112,"nodeType":30},{},[113],{"data":114,"marks":115,"value":116,"nodeType":29},{},[],"In my view, there is still a fair chance that central banks like the European Central Bank underestimate the persistence of inflation. In other words, workers who see their purchasing power will demand higher compensation, and this, in turn, leads to higher prices and requires a stronger interest rate response. Indeed, I would not be surprised for the 10-year interest rate to hit 1-1,2 %. After all, countries have started to run large fiscal deficits, and these need to be financed.",{"data":118,"content":119,"nodeType":38},{},[120],{"data":121,"marks":122,"value":123,"nodeType":29},{},[],"What does it mean for your mortgage?",{"data":125,"content":126,"nodeType":30},{},[127],{"data":128,"marks":129,"value":130,"nodeType":29},{},[],"Expect higher mortgage rates in the next few days. Banks typically respond with a few days' lag. The recent increase is too large to ignore. ",{"data":132,"content":133,"nodeType":30},{},[134],{"data":135,"marks":136,"value":137,"nodeType":29},{},[],"And over time, rates will increase further. Not massively. In a historical context, a bond rate of 1-1,2 % is still very, very low. As companies, individuals, and governments are all relatively indebted due to the low rates, an increase also has a relatively higher impact, so an increase will slow the economy quicker and thus help to reduce inflation. Also, the underlying savings glut on the corporate side and due to aging populations persists. So, the long-term reason for modest interest rates remains unchanged.",{"data":139,"content":140,"nodeType":30},{},[141],{"data":142,"marks":143,"value":144,"nodeType":29},{},[],"For you as a mortgage customer, it means rates are likely to move over the course of this year and next into the 3-3,5 % range. The impact on house prices will, in our view, be a slowdown, but not a decline, as the momentum is so strong in the market and interest rates are still historically very low.",{"data":146,"content":147,"nodeType":30},{},[148,151,160],{"data":149,"marks":150,"value":69,"nodeType":29},{},[],{"data":152,"content":154,"nodeType":159},{"uri":153},"https:\u002F\u002Fhypofriend.de\u002Fen\u002Fgerman-mortgage-calculator",[155],{"data":156,"marks":157,"value":158,"nodeType":29},{},[],"Check your mortgage options with our German mortgage calculator.","hyperlink",{"data":161,"marks":162,"value":69,"nodeType":29},{},[],"document",1,"Fri, 4 Feb 2022 14:57:35 +0000","Mon, 19 May 2025 13:56:31 +0000","Rising Interest Rates: Impact on Your German Mortgage","How will interest rates develop? Will this affect mortgage rates? Our take on the current situation.",null,"https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1dOIg7TkdIAPZbTBF4W22t\u002F3c4c721c4f5b14ee82232eba82ce0ba9\u002FSEO-rising_interest_rates-800x534.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F3ZLncAnC1Axr90WZrS4MDc\u002Fe1d18a1d942335401fae2d6f32649191\u002Frising_interest_rates-1692x918.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1jhg7UQ24cxxAOGMUFIsao\u002F9a214342291555cd7e088e63483737f6\u002Frising_interest_rates-523x366.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6Nxgd1k2uU5DH7moa7DB3z\u002Fd2707915e33d6f748364afeab643189a\u002Frising-interest-rates-1692x918.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F5GH56HFfa5JM2pGUy2WumL\u002Fed3f6922706a9b493ce07d6fd5c5366c\u002Frising-interest-rates-523x366.webp","en",[177,179],{"key":178,"value":37},"#h-outlook-how-will-interest-rates-evolve",{"key":180,"value":123},"#h-what-does-it-mean-for-your-mortgage",[182,192,195],{"slug":183,"title":184,"listPicture":185,"listPictureMobile":186,"listPictureWebp":187,"listPictureMobileWebp":188,"preview":189,"category":12,"categoryTitle":190,"categoryCode":191},"rent-or-buy-2026-does-buying-still-make-sense","Rent or Buy in 2026? Does Buying Still Make Sense?","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F61qlPPB7YcT6uGtMuEZxVD\u002F0031d19efd13eccef6c230ae7fbfe6eb\u002Fnews-800x511.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F2U5AF4Jzh0sbYHDa3wNoKK\u002F8cf082a20057781fed438467ba5877ed\u002Fnews-380x243.jpg","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F6bf2ZgIc6NGtMGyDDL8WdE\u002F8e617188029d1d7d7ca56c32e9b45e51\u002Fnews-800x511.webp","https:\u002F\u002Fimages.ctfassets.net\u002Fshj4zexxz7od\u002F1rJVpZ1NLJnsW62W5biSOf\u002Fab4284c09dfa1afc3e3670d4f879c4ee\u002Fnews-380x243.webp","Property prices in Germany are trending up again around their long-term average and 2026–2027 forecasts are converging.","Market News","hn",{"slug":193,"title":194,"listPicture":185,"listPictureMobile":186,"listPictureWebp":187,"listPictureMobileWebp":188,"preview":189,"category":12,"categoryTitle":190,"categoryCode":191},"whats-really-ahead-for-german-property-prices-2026-2027-forecast","What’s Really Ahead for German Property Prices (2026–2027 Forecast)",{"slug":196,"title":197,"listPicture":185,"listPictureMobile":186,"listPictureWebp":187,"listPictureMobileWebp":188,"preview":198,"category":12,"categoryTitle":190,"categoryCode":191},"our-german-housing-outlook-2025","Our German Housing Outlook (2025)","Maintaining a perspective that is both realistic and optimistic, our outlook for Germany heading into 2025 highlights continued positive trends in key areas. German house prices, having recovered significantly since late 2023, are expected to increase further due to persistent demand and constrained supply.",1784031446005]