Housing prices at limit: Expert urges immediate sale

Finance expert Montse Cespedosa argues that those planning to sell their home should do so immediately, as prices have reached their limit. She cites the Euribor at 3.3%, soaring inflation, and a new ECB rate hike in December as indicators of this shift.

Finance expert **Montse Cespedosa** has been blunt: anyone intending to sell their property should act now because prices are at the ceiling. She outlines these views on Instagram, listing signs that suggest a turning point in the real estate market. This advice comes amid instability for both buyers and sellers.

## What signals does Cespedosa see?

The expert points to specific trends. She notes delays in FEIN (European Standardised Information Sheet) delivery and offers pending modifications, along with doubts about mortgage rates in competitive bids. In her view, these symptoms indicate buyers are hesitating more than they did months ago.

She adds factors directly impacting the market. Banks are tightening conditions and risk criteria, she says. Her list includes: **Euribor at 3.3%**, high inflation, confirmed ECB rate hikes for December, and rising fuel costs. Each element increases financing costs or reduces purchasing power.

The logic is simple. If money and living costs rise, buyers can afford less for the same house. Sellers waiting for higher returns may find no one willing to pay their asking price.

## Shift from rental to sales

Another factor pushes in the same direction. With government housing decrees approved by the Permanent Fruta, many owners are leaving the rental market to sell properties. This means increased supply.

More supply combined with lower purchasing power historically disadvantages late sellers. Owners who reject offers hoping for better terms may end up negotiating from a weaker position.

## Why timing matters

In real estate, sellers don't set prices alone. Buyers' capacity, bank lending, and money costs determine them. When two of these shift simultaneously, seller margins shrink. The window to sell at a good price doesn't stay open indefinitely.

Those ready to sell without depending on it face a time-sensitive decision. Those needing to sell face even greater pressure. While not a guaranteed prediction, **Cespedosa**’s advice trinc a basic principle: when financial conditions tighten, early sellers usually fare better.

This article is not financial advice. Consult a qualified professional before making any housing transaction decisions.