EU Housing Sales Rebounded in 2025 — What It Means for Your Wallet

campaignWhat happened

According to Eurostat, residential property sales increased across the majority of EU member states during 2025, with only Croatia, Bulgaria, and Poland recording a decline. Separately, MONETA Bank in the Czech Republic adjusted its term deposit offering from 3 July 2026, raising rates by up to 0.20 percentage points while simultaneously removing two- and three-year deposit options — capping the maximum term at one year.

lightbulbWhy it matters

The broad recovery in EU house sales signals renewed buyer confidence after a period of suppressed demand driven by elevated borrowing costs. That more countries are transacting again suggests affordability conditions or financing terms have gradually improved for a meaningful share of buyers. On the savings side, MONETA's move reflects a wider pattern among Czech banks: adjusting deposit products in response to shifting interest rate expectations rather than simply raising rates across the board.

account_balance_walletImpact on personal finance

For prospective homebuyers in the EU, rising transaction volumes can push prices upward — meaning waiting longer may not necessarily bring better deals, though affordability still depends heavily on local conditions and mortgage rates. If you are already saving for a property purchase, the shortening of available deposit terms at some banks means you may have less flexibility to lock in rates over a longer horizon. Czech savers specifically should review whether a one-year maximum term still matches their savings timeline, particularly if they had planned to use a multi-year deposit as a stable, predictable instrument. More broadly, when banks trim longer-term products while nudging up short-term rates, it often reflects their own uncertainty about where rates are heading — something worth factoring into your savings strategy.

arrow_rightRegional perspective

EU: Housing market activity has broadly recovered, but the picture is uneven — buyers in Croatia, Bulgaria, and Poland face a different dynamic than in markets where sales are climbing. Czech Republic: MONETA Bank's restructured deposit offer is a concrete, immediate change for Czech savers, who now have a narrower range of term lengths to choose from despite slightly higher headline rates.