The rise in bond rates directly affects mortgage rates, leading to significant changes in the housing market. In the United States, mortgage rates are updated according to the yields of ten-year bonds, which have reached their highest levels in nearly two decades. This phenomenon is also evident in other countries, such as Germany, where mortgages are priced based on long-term government bonds. As a result, households are forced to deal with increasing economic pressures, and rapid construction in wealthy economies fails to alleviate the situation. If rates continue to rise or remain high, this could lead to a decline in housing prices and prolonged weakness in the real estate market. The current situation indicates a significant economic risk, which may affect apartment purchase plans and cause changes in the behavior of investors and buyers in the market.