Can we assume that there will be a zero interest rate policy again in the future? I am 19 years old, am doing my IT training and would like to invest in real estate afterwards, but the costs would otherwise be too high.
I don't think so.
The real estate market is where the government and the banks are earning a lot of money in the long run. But possibly, there can be some scenarios that will be in favor of what you're thinking but I don't know how it can be.
They can lower the interest rates but I doubt it that it is going to be zero interest rates. Or maybe some incentives that they can give for a few months but not entirely going to the pit to zero.