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In czech republic we also have housing bubble.. flat prices double in 2016-2018 ... Flat in Prague near to center 60-70 m2 ... 300.000 euros .. but salaries are not more than 1-2.000/ month so people are taking mortages with rate 2-3 percent p.a with 5 years fixation of the rate ...but what will happen when rates go up to 5-6 procent a real estate market decrease...not good ending
....http://www.businesstimes.com.sg/real-estate/german-property-prices-up-to-35-overvalued-bundesbank

Yes it the banker's bread and butter! Pump and dump and they buy it for pennies on the dollar with money created out of nothing.

Yes you are right. The current ECB monetary policy keeps real estate artificially inflated and punishes savers.