Finland’s housing market may be poised for a change, with OP bank reporting record numbers of loan applications in the Uusimaa region. Real estate agents believe the recent increase in the loan ceiling could stimulate transactions. However, sellers continue to struggle with accepting declining property values, even when they could secure a similar discount on a new home. This disconnect between seller expectations and market reality is a key factor currently impacting the housing trade. The surge in loan offers suggests increased buyer confidence or accessibility to financing. It remains to be seen if this translates into a substantial increase in sales and a market turnaround. The situation highlights the psychological impact of price drops on current homeowners.