Wednesday, November 12, 2025 -President Donald Trump has renewed calls for 50-year mortgages, arguing that extending home loans could make housing more affordable for Americans.
His proposal suggests that spreading payments over half a century would lower monthly costs, theoretically helping first-time buyers enter the market.
However, experts warn this approach could backfire. Longer-term loans often mean higher total interest payments, putting homeowners at risk of paying far more over time than with traditional 30-year mortgages.
Additionally, lenders may face increased exposure to economic fluctuations, making the loans riskier and potentially driving up interest rates.
Critics also point out that a 50-year mortgage could distort housing markets by inflating demand and home prices, ultimately undermining the affordability it aims to achieve.
While politically appealing, many analysts say the plan could create more financial strain than relief for ordinary buyers.
0 Comments