Financially Speaking, Would You Sign Up For a 50 Year Mortgage?

The idea of ​​a 50-year mortgage is gaining attention as politicians and banks look for ways to make housing more affordable.

50 YEARS??? you will die before you own your home.

On paper, a long-term loan seems like a relief: smaller monthly payments, easier qualification, and more “buying power.” But math and economics show that you have been completely scammed.

The problem is that the normalization of 50-year mortgages allows home prices to continue to rise to increasingly unsustainable levels, so much so that the only way people can afford to buy a home is with a 50-year mortgage.

If you really want to help people buy a home, here’s how to do it:

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Do the 50 year mortgage add up?

A $400,000 loan at 6.31% for 30 years costs $2,478 per month. Stretching that to 50 years at 6.71% drops the payment to $2,318, or a savings of just $160 per month, or about 6.5%. SPOILER ALERT: It’s not life-changing. But over the life of the loan, the borrower pays nearly $500,000 more in interest.

According to FRED data, the median household income in the United States is about $79,000 a year, meaning a $2,318 mortgage already consumes more than 35% of pre-tax income, well above the safe threshold for housing costs.

Boomer with 17 properties paid off looking at you taking out a 50 year mortgage pic.twitter.com/KkMNAHG4L3

— Not Jerome Powell (@alifarhat79) November 10, 2025

Here’s the problem: Doesn’t it occur to these Congressional vultures that 30 years is already your entire lifespan?

• Doesn’t it occur to him that mortgages are already spectacularly better for the banks, loaded with interest up front and that you only start to build equity capital after at least 10 years?
• Doesn’t it occur to them that the average mortgage is only paid off for a couple of years before people sell up and move out?
• Doesn’t it occur to them that they can refinance?

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or gold and live in your apartment while those assets appreciate.

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Banks win, buyers lose

With a 50-year mortgage, it takes nearly 30 years to build $100,000 in equity, compared with 12 years for a 30-year loan, according to an AP analysis. The borrower spends decades paying mostly interest, not principal.

“Extending the deadline doesn’t make housing affordable,” economist Mike Konczal said. “It simply normalizes debt servitude as the basis for middle-class life.”

And since the average first-time home buyer is now in their 40s, a 50-year mortgage would end when the borrower turns 90, according to the National Association of Realtors. It also doesn’t help that you pay property taxes on that house once you are Finally finished paying it off.

“Did you get a 50-year mortgage?”

Yes, Dave.

“Did you also take out a 15-year car loan?”

That’s right, Dave. pic.twitter.com/Ndiu3KI0r9

— Not Jerome Powell (@alifarhat79) November 11, 2025

The best way to solve the real estate crisis is to put a limit on loans to say that the annual salary will be 3 times and that house prices would collapse overnight. Builders should start building affordable homes to stay in business instead of overpriced McMansions.

This will never happen, of course, because the banks would see a massive drop in profits and the boomers would get angry because the house they bought for $50,000 in 1988 is now worth only $200,000 instead of $600,000.

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Is Trump the biggest crook president?

According to FRED and Zillow Research, U.S. home prices have increased 44% since 2020, while real wages have barely budged.

This idea of ​​a 50-year mortgage from Trump, along with his 15-year car loan, seems more like desperation than smart policy.

The best, and we mean it improve In this case, whatever amount of the house you are paying a mortgage on, it appreciates over time and becomes pure profit that you can pocket by selling.

If the price of a house doubles in 15 years, when you sell it, the doubled amount becomes your money. But it would mean that you are speculating on a real estate market that is already extremely high, volatile and perhaps in a bubble as it is.

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