Decrease in Housing Loan Interest Rates: Warning for December 2025 and January 2026

Decline in Housing Loan Interest Rates Continues

Housing loan interest rates reached their highest levels in history at 3.80% as of October 2023. However, recently implemented discounts by public banks have reduced these rates to as low as 2.69%. Experts forecast that this situation will become more pronounced in the housing market, particularly in December 2025 and January 2026.

Expected Increase in Housing Sales

Real estate sector representatives expect a significant surge in housing sales if interest rates fall below 2%. In this context, it is likely that interest rates will be seen below 2% by mid-2026. In the finance world, the combination of low interest rates with new campaigns from contractors and joint loan models developed by banks is believed to bring about significant movement in the sector.

Investors' Direction is Changing: From Gold and Foreign Currency to Real Estate

Economic experts indicate that the decline in housing loan interest rates will also influence investor behavior. With interest rates dropping to 2%, it is expected that savers will abandon their investments in gold and foreign currency in favor of real estate investments. In times of economic uncertainty, real estate, which is positioned as a "safe haven," has become attractive again with the increase in the consumer confidence index over the past three months.

Confidence in the Markets is Being Reestablished

Financial experts state that investors returning to the markets is a critical indicator of the health of the economy. While interest rate cuts alone may not be sufficient, the re-establishment of a confidence environment in the markets is viewed as an important step.

Expectations of Revival in 260 Sub-Sectors

The increase in housing sales will positively impact not only the real estate sector but also a total of 260 sub-sectors including construction materials, furniture, white goods, logistics, and energy. With new projects coming online, an increase in demand for cement, iron, ceramics, glass, paint, and electrical materials is expected. According to economic experts, this cycle that begins with the construction of a house creates a multiplier effect that directly affects production and employment.