The goal should be to make housing so affordable that you move to a 20-year mortgage. Having to offer 50-year mortgages is a sign that things have gone terribly awry.
"Sign the line here, in half a century you'll own your house outright!"
Laughably out of touch.
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The government won't fix it. Individuals need to. The government probably will offer 75 year mortgages in 5 years. Or some other snake oil fix.
If you are going to be a landlord, be a better landlord. Base your business in bitcoin so you can afford to keep rent affordable for your tenants.
Don't build shitty cages for them to live in. It is 2025. We shouldn't be losing to contractors that also were dealing with the black plague.
I can hear it now: βI just qualified for a 200 month car loan. Woot, woot!β
Boomers are dying. There will be plenty of cheap housing
Same story with higher education... Artificial scarcity leads to higher prices, which leads to government-subsidized loans, which leads to higher prices, because the seller can now charge more...
In the case of housing, the "artificial scarcity" part is largely what the #YIMBYΒ movement is trying to address. Zoning reform and similar things can go a long way towards that.
Then weβll death tax the crap out of your estate so your children can slave the same way the rest of their lives!
You'll never own. The bankers will own you
Shows how median income declined, fiat is like smokes and mirrors to cover this up.

Itβs especially fucked when you consider the average age of a homebuyer in the US is in their late 40s. The etymology of mortgage aka βmort gaigeβ meaning "dead pledgeβ living up to its name.
LOL. Fkn Boomers
fiat is a cancer

i need one of these to sport around town homie !
This will actually make housing more unaffordable because lower payments will raise prices in desirable markets.