In November, households in Germany expected real estate prices in their region to rise by an average of 5.1 % over the next 12 months. When asked about their qualitative expectations in November, 63 % of individuals expected real estate prices to increase and 6 % expected them to decrease during this period.

The Deutsche Bundesbank conducts regular surveys of households’ expectations for unemployment, economic growth, rent prices, real estate prices, and interest rates on savings and loans. These data are used to calculate index figures, from which corresponding trends can be easily derived.

In November 2025, individuals expected an average increase in their monthly net household income of around €70 over the next 12 months. This was on par with the corresponding expectations for the preceding two months. Expectations still vary significantly when broken down by factors such as household income, gender and age group. The median remains constant at €125. This can be explained by the fact that a large share of individuals have considered income growth of between €0 and €250 to be most likely each month since this survey was launched.

Banks’ month-end asset and liability positions in the form of a balance sheet with a supplementary breakdown of the balance sheet items by category, maturity and sector of the respective creditors and debtors.

Wie gelingt es, wissenschaftlich zu forschen und dabei die Stabilität des Finanzsystems aktiv mitzugestalten? Tobias zeigt, wie spannend und einflussreich die Arbeit im Bereich Finanzstabilität der Bundesbank sein kann.