In 2025, consumers and savers in Europe may see continued effects from the European Central Bank’s interest rate policies. Following multiple rate cuts in 2024 aimed at combating inflation and stimulating the economy, experts anticipate further decreases. However, the impact on construction loan rates remains uncertain. Despite lower rates, many consumers feel financially strained due to inflation, particularly in food and services. Economic challenges, including potential crises in Germany, could complicate the situation, with inflation expectations and external factors such as U.S. trade policies looming large.

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