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re: Trump promoting a 50 year mortgage. Dave Ramsey will lose his mind. Terrible idea - imo
Posted on 11/8/25 at 4:43 pm to AncientTiger
Posted on 11/8/25 at 4:43 pm to AncientTiger
I don't really care about this. Let people enter into whatever sort of contracts they want to enter into.
0
Posted on 11/8/25 at 4:44 pm to AncientTiger
quote:Dave Ramsey has his place. Credit card debt, even auto loans ... he makes good points. However, with home loan interest deductibility, his emphases extrapolated to home borrowing is generally nonsensical.
Dave Ramsey will lose his mind.
Posted on 11/8/25 at 4:44 pm to AncientTiger
You got to live somewhere and it'll still be better than renting long-term.
Posted on 11/8/25 at 4:48 pm to dovehunter
quote:
The lower monthly payments may allow young people to get into a home.
The sure way to make homes more affordable for young people is for the reigning political class in the Potomac Beltway to quit promoting inflationary policies that increase the money supply.
Such money printing leads to more money chasing the same amount of goods, inevitably leading to higher prices.
But my biG beAuTifuL biLL.
Posted on 11/8/25 at 4:50 pm to SDVTiger
quote:
This is a stable genius move
Serious question: would you suck Trump’s dick if he asked you to?
Posted on 11/8/25 at 4:52 pm to Aubie Spr96
Why do all of you weirdos think about thag all the time
Its suspect
Please explain what your issue is with it
But at least be coherent
Its suspect
Please explain what your issue is with it
But at least be coherent
Posted on 11/8/25 at 4:52 pm to Demonbengal
quote:That is the only legit counterargument in this thread.
Will make home prices go up even more.
Posted on 11/8/25 at 4:54 pm to NC_Tigah
quote:
That is the only legit counterargument in this thread.
It is but its gonna happen with or without a 50yr mortgage
Posted on 11/8/25 at 4:56 pm to Aubie Spr96
quote:Serious question ... why in the present world of 72 MONTH AUTO LOANS ... would you pose such a stupid question?
Serious question: would you suck Trump’s dick if he asked you to?
Posted on 11/8/25 at 4:57 pm to NC_Tigah
quote:
Serious question ... why in the present world of 72 MONTH AUTO LOANS ... would you pose such a stupid question?
Hell, they go to 84 months now.
Posted on 11/8/25 at 4:59 pm to SDVTiger
quote:Not if buyers cannot qualify for (or afford) the monthly notes.
It is but its gonna happen with or without a 50yr mortgage
Posted on 11/8/25 at 5:00 pm to aubie101
quote:... on a depreciating asset.
Hell, they go to 84 months now.
Posted on 11/8/25 at 5:03 pm to NC_Tigah
quote:
Not if buyers cannot qualify for (or afford) the monthly notes.
Once rates drop even .5 we get 5mil new buyers
How many homes are available? Will that cause values to rise? Does a 50yr mortgage matter
Posted on 11/8/25 at 5:08 pm to AncientTiger
quote:Well, if you think about it, many people have mortgages for 50 years before they are finally debt free. It might have been 4 different houses but they still had mortgages. I am not an actuary but I don't see much wrong with this from a 30,000 ft look.
Trump promoting a 50 year mortgage.
Posted on 11/8/25 at 5:15 pm to SDVTiger
quote:in terms of home pricing? ... ABSOLUTELY!
Does a 50yr mortgage matter
As with Cars, if the baseline home price is unaffordable, increasing the loan period makes the price seem more affordable.
Posted on 11/8/25 at 5:17 pm to NC_Tigah
So do we want ppl to buy homes or do we not since you think it will matter
Posted on 11/8/25 at 5:18 pm to SDVTiger
quote:
They typical low iq posters of the poli dont understand this
He is correct. But the average American is financially illiterate and because of that this policy is bad.
Debt is good if you know how to use it and properly manage it. But most will buy a home out of their normal price range because muh low payments and end up defaulting because soon as their financial situation changes for the worse which happens to a lot of us they’ll default on it. If everyone made wise purchases and bought what they could afford without a 50 year mortgage but used this 50 yr to their advantage then yes it would be good. But that won’t happen
Posted on 11/8/25 at 5:20 pm to Diamondawg
quote:
I am not an actuary but I don't see much wrong with this from a 30,000 ft look.
Now then!
Compare the ROI related to increasing home loans from 30yrs to 50yrs, vs increasing Auto loans from 48 to 72 months
Posted on 11/8/25 at 5:21 pm to Diamondawg
quote:
many people have mortgages for 50 year
I doubt the data supports this.
Posted on 11/8/25 at 5:22 pm to Demonbengal
This is gonna push more houses into rentals
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