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The French rental market is going through an exceptionally severe crisis, threatening access to housing for many households. Despite a slight recovery in the real estate sector, rentals remain under intense pressure, with a plummeting supply and prices that continue to rise. According to the National Federation of Real Estate (Fnaim), structural problems and poorly adjusted regulatory choices are exacerbating this situation. With the rise of short-term rental platforms and new constraints related to energy renovation, challenges are piling up, highlighting the urgency to act. This crisis, beyond the numbers, involves major social and economic issues for both tenants and investors.

Amid revolutionary announcements, technological advancements, and regulatory turbulence, the crypto ecosystem continues to prove that it is both a territory of limitless innovations and a battleground for regulatory and economic conflicts. Here is a summary of the most significant news from the past week concerning Bitcoin, Ethereum, Binance, Solana, and Ripple.

Bitcoin has risen by 120% in 2024, significantly outperforming other major asset classes. 2025 is shaping up to be another exceptional year.

The Chinese economy is wavering between stagnation and decline, revealing lasting structural flaws. In December, the consumer price index only increased by 0.1% year-on-year, confirming intensifying deflationary pressure despite the government's repeated attempts to revive growth. The drop in food prices (-0.5%) and consumer goods (-0.2%) illustrates the lack of dynamism in domestic demand, as households remain cautious and businesses hesitate to invest. Thus, the real estate crisis, coupled with the ineffectiveness of previous stimulus measures, fuels uncertainties. This slowdown goes beyond a cyclical phase. It calls into question the resilience of the Chinese economic model and its short-term outlook.

The housing credit market in France is undergoing a significant shift. After a period marked by high interest rates, which hindered access to property ownership, the trend is reversing. François Villeroy de Galhau, governor of the Bank of France, announced that mortgage rates fell below 3.4% in November 2024, down from 4% in January. This drop is attributed to a slowdown in inflation, which is expected to reach 1.5% in 2025, after having weighed on the economy in recent years. This development is a relief for borrowers, but its implications go beyond the real estate sector. A relaxation of credit costs generally promotes economic recovery, restoring purchasing power to households and encouraging investment. This dynamic could also impact other asset classes, particularly cryptocurrencies. A more stable economy and smoother access to financing prompt some investors to reassess their strategies. With this drop in rates and the anticipation of possible monetary easing by the European Central Bank (ECB), the real estate market could regain a more favorable dynamic.

Trade tensions between the European Union and China are reaching new heights. Indeed, for several months, Brussels has been targeting Chinese companies accused of benefiting from public subsidies, which distorts competition. Under the Foreign Subsidies Regulation (FSR), the EU has launched several investigations, particularly against CRRC, the Chinese giant in railway equipment, and manufacturers of solar panels involved in European projects. In response to these investigations, Beijing has reacted strongly and denounced discriminatory practices. This standoff, which reflects deep divergences over the rules of international trade, could redefine the balance of power between the two economic powers. While the EU seeks to protect its market, China is concerned about a tightening of regulations that would hinder the expansion of its industrial champions. In this context, investors and companies are preparing for a significant climate of uncertainty, where every political decision can influence the dynamics of exchanges between Europe and the world's second-largest economy.

When a country imports more than it exports, its economy weakens and its dependence on external markets increases. In November 2024, France's trade deficit stood at 7.3 billion euros, which represents an improvement of 0.3 billion euros compared to the previous month. This slight reduction in the deficit is primarily explained by an increase in energy exports, which grew faster than imports. However, this improvement does not call into question the structural fragility of French foreign trade. Despite this temporary improvement, the imbalance between exports and imports remains critical. The domestic industry struggles to compete with international competition, and the trade balance remains largely in deficit. This situation raises questions about the competitiveness of French companies and their ability to sustainably establish themselves in foreign markets. Thus, the evolution of the deficit in the coming months will largely depend on the energy situation and the economic policies implemented to rectify the trade balance.

After two years of noticeable decline, the real estate market appears to have reached a turning point. According to Charles Marinakis, president of Century 21 France, the correction in prices is nearing its end, paving the way for stabilization, or even a slight rebound in 2025. In Paris, the price per square meter has dropped by nearly 10% over two years, a similar decline observed throughout Île-de-France. This correction, exacerbated by rising interest rates, has allowed sales to gradually restart. However, the market's evolution will depend on several factors, including the continued decrease in credit rates and the ability of sellers to adjust their prices to match the new expectations of buyers.

The French state is preparing to face a year of high tension in the financial markets. With 300 billion euros to borrow in 2025, an unprecedented level of debt, Bercy must maneuver in a particularly unstable environment. The French Treasury Agency (AFT), responsible for debt issuance, faces a double challenge: ensuring the financing of the country without destabilizing the markets and reassuring increasingly cautious investors. Indeed, political uncertainty further complicates the situation. Since the fall of the Barnier government, France has been operating without an approved budget, which strengthens doubts about the country’s budgetary trajectory. A special law adopted in emergency allows for the maintenance of borrowing, but this temporary solution is not enough to dispel the concerns. In the markets, signs of instability are multiplying. The spread between French and German rates, a key indicator of investor confidence, has doubled in a year to exceed 80 basis points. This signal reflects a riskier perception of French debt and could increase the cost of financing. In this climate of uncertainty, Bercy must find the right balance. Will the AFT’s strategy, based on predictability, regularity, and flexibility, be enough to avoid an excessive rise in interest rates? With only a few days until the first auctions, pressure is mounting on financial officials, while investors are waiting for guarantees on the country’s budgetary stability.

Amid revolutionary announcements, technological developments, and regulatory upheavals, the crypto ecosystem continues to prove that it is both a territory of limitless innovations and a battleground of regulatory and economic conflicts. Here is a summary of the most notable news from the past week regarding Bitcoin, Ethereum, Binance, Solana, and Ripple.

The year 2025 is shaping up under favorable auspices for the global economy, despite ongoing challenges. As recession fears fade and inflation begins to normalize, several indicators suggest a positive momentum for the months ahead.

Since January 1, 2025, the French real estate sector is entering a new era. The changes go beyond a simple revision of previous rules. They reflect a political will to strengthen ecological requirements and adapt the tax framework to an uncertain economic context. The ban on renting energy-rated G housing, for example, embodies this priority given to the energy transition. At the same time, major fiscal upheavals, such as the end of the Pinel scheme or the postponement of the Zero-Rate Loan, are redefining incentives for investors and households. Finally, the continuation of the "anti-Airbnb law" and the stability of notary fees complete this picture of reforms, where each measure shapes the delicate balance between the expectations of property owners, the needs of tenants, and environmental imperatives. These adjustments, far from being anecdotal, herald a profound transformation of the real estate market.

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The year 2024 marks a major shift for the French real estate market. Indeed, the dynamics that have structured this sector for decades are gradually fading, giving way to profound changes. The massive decline in transactions, the hesitant restart of real estate purchasing power, and the growing importance of energy criteria are reshaping the priorities of buyers and sellers. These transformations go beyond the numbers: they reflect the cumulative impacts of the crisis that began in 2022 and economic uncertainties. Through their 2024 Real Estate Report, the Notaries of France shed light on these contrasting developments. Their analysis goes beyond mere observation. It explores short-term perspectives and opens pathways for a potential recovery in 2025. These projections illuminate immediate challenges, as well as the necessary adaptations to face a market in full transformation.

China, long seen as the unwavering engine of the global economy, is currently undergoing a major crisis. Years of double-digit growth, which symbolized its rapid ascent, have given way to a period of deep economic uncertainties. The fragility of its economic model, primarily based on investment and exports, is becoming increasingly evident. Issues such as the rise of public and private debts, the collapse of the real estate sector, and the emergence of the specter of deflation are exacerbating internal economic tensions. These dysfunctions raise a fundamental question: after decades of development often described as miraculous, can the Middle Kingdom still sustain its role as a pillar of global growth?

The real estate market is at the center of concerns in 2025, attracting attention from investors as much as from first-time buyers and economists. This evolution of mortgage rates, a true indicator of economic and financial health, plays a decisive role in this dynamic. Between 2023 and 2024, rates saw a significant decrease. Thus, they dropped from 4.5% to 3.23%, a change that illustrates both the effects of the European Central Bank’s flexible monetary policies and the banks' strategy to stimulate access to property ownership. This decline is not just a simple statistic. It has already increased the borrowing capacity of thousands of households, creating an unprecedented opportunity to revive an already fragile market. In a context marked by increased competition among financial institutions, this trend could intensify in 2025, potentially ushering in a new phase of growth for real estate.

Amid revolutionary announcements, technological advancements, and regulatory turbulence, the crypto ecosystem continues to prove that it is both a territory of limitless innovations and a battleground for regulatory and economic disputes. Here is a summary of the most notable news from the past week surrounding Bitcoin, Ethereum, Binance, Solana, and Ripple.

When a former footballer dons the jersey of innovation, and Trump orchestrates, the crypto-sphere stirs: a promise of growth or just a bluff?

The French real estate market is going through a turbulent period, despite signs of calm after two marked years of depression. Indeed, the figures recently published by the Notaries of France reveal a double observation: real estate prices have dropped, but this decrease has not been enough to revive sales. Thus, in 2024, the number of transactions has seen a spectacular drop, illustrating a deep blockage in the sector. This situation, both paradoxical and alarming, raises questions about the factors that are hindering the market's revival and the economic and political dynamics that amplify its complexity.

After a period of bearish pressure, Toncoin has seen a resurgence of interest that struggles to maintain itself. Let’s examine the upcoming prospects for the price of TON. Situation of Toncoin (TON) Toncoin experienced a meteoric rise, reaching an all-time high of $8.28. However, this level triggered strong selling pressure,…

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The French Republic is experiencing a new institutional upheaval with the forced appointment of François Bayrou as Prime Minister.

The year 2023 marked a significant break in the evolution of the wealth of French households. After eight consecutive years of growth, it experienced a decline to 14,567 billion euros, a drop of 0.9% compared to 2022. This downturn, confirmed by a study from Insee and the Bank of France, sheds light on profound changes in the French economy. Mainly attributable to the drop in real estate prices, this phenomenon reflects the impact of recent monetary decisions, notably the increase in the European Central Bank's key interest rates, which has raised the cost of loans and dampened demand. Real estate, once an essential driver of household wealth, has been at the center of this crisis. Furthermore, prices, down by 4.7%, have weighed heavily on national wealth, although the 8.3% increase in financial assets has partially mitigated the losses.

Cryptos continue to disrupt financial norms and attract increased interest from institutional investors. Among them, Bitcoin stands out for its pioneering role and as a safe haven. Currently, a report from Matrixport has shaken the crypto community with a bold prediction: Bitcoin could reach $160,000 by 2025. This projection is based on several strategic factors, including the rise of Bitcoin ETFs, which symbolize significant institutional adoption, and favorable transformations in the global macroeconomic framework. Thus, such elements reinforce the perception of Bitcoin as an essential asset, capable of becoming more dominant in investment portfolios.