The Situation of Young People in the Housing Market

One of the main obstacles is the ability to save initially. Taking out a mortgage typically requires significant upfront savings to cover the portion not financed by the bank and the associated purchase costs. For many young people, reaching this amount becomes a difficult barrier to overcome due to the cost of living and job insecurity.

The rental market also hinders saving. In many cities, rent consumes a very large portion of monthly income, reducing the capacity to save and delaying homeownership. This creates a vicious cycle: no savings, no purchase, and no purchase, continued renting.

Furthermore, temporary employment and less stable contracts make it difficult to obtain mortgages on favorable terms. Although financial products tailored to young people exist, banks continue to place particular emphasis on income stability.

Despite this, young people maintain a strong interest in homeownership. Housing remains seen as a long-term stability goal, although the path to achieving it has lengthened. Many opt for intermediate strategies, such as sharing accommodation or extending their rental period.

A shift in mindset is also evident: location is no longer the sole deciding factor. Some young people prioritize flexibility, job mobility, and the possibility of working remotely, which slightly broadens the range of options outside major urban centers.

In this context, specialized advice can make all the difference. At Immosegur, we analyze different housing access scenarios for young people, including financing options, available subsidies, and purchase alternatives adapted to their circumstances.

Young people haven't abandoned the goal of owning a home, but they need more time, more planning, and new approaches to achieve it in an increasingly demanding market.