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How do you guys feel about 50-year mortgages?
Poast new message in this thread
Date: November 8th, 2025 5:29 PM Author: ,.,.,.,..,,.,..,:,,:,,.,:::,.,,.,:.,,.:.,:.,:.::,. https://x.com/kobeissiletter/status/1987265400548053290?s=46 (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413026) |
Date: November 8th, 2025 5:33 PM Author: samoth Not a fan.
Think of how much lower monthly payments would be on a 70 year mortgage.
If someone would be brave enough to push terms out over 100 years, we could open up affordable housing for nearly every American! |
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Date: November 8th, 2025 5:35 PM Author: Paralegal Mohammad (Death, death to the IDF!) lol, it's real
https://truthsocial.com/@realDonaldTrump/posts/115515420947464459
another successful money grab for jews under a kike president, mazel tov to avi and moishe |
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Date: November 8th, 2025 5:36 PM Author: chadgpt-6 by that logic why not have infinity mortgages that get passed on to kin and if no kin or will, the state? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413041) |
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Date: November 8th, 2025 5:39 PM Author: .,.,,..,..,.,.,:,,:,...,:::,...,:,.,.:..:. Wow cr (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413043) |
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Date: November 8th, 2025 5:41 PM Author: theroyalserf (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413049) |
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Date: November 9th, 2025 6:38 AM Author: constantscreen the great (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413778) |
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Date: November 8th, 2025 5:57 PM Author: samoth Love it.
It's how things used to work in the Mother Country. We should bring it back (along with a monarchy). |
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Date: November 9th, 2025 3:02 PM Author: which is what makes time travel possible (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414538) |
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Date: November 9th, 2025 3:03 PM Author: https://imgur.com/a/o2g8xYK xo is really underestimating the gravity of what Trump is proposing (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414541) |
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Date: November 8th, 2025 5:43 PM Author: .,.,.;.,..,..,.,:.,:,..,..,::,..,:,.,.:,..:.,:.:, assuming a 6.5% rate either way, going from a 30 year mortgage to a 50 year mortgage reduces monthly payments by only around 10% (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413054) |
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Date: November 8th, 2025 5:47 PM Author: ,.,.,.,..,,.,..,:,,:,,.,:::,.,,.,:.,,.:.,:.,:.::,. lol not flame. Assuming a $500k principal:
30 years: $3,160 payment, $1,137,600 total paid 50 years: $2,855 payment, $1,713,00 total paid |
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Date: November 8th, 2025 5:52 PM Author: samoth So you're agreeing that monthly payments are lower, thus enabling more people to be able to afford homes! (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413072) |
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Date: November 8th, 2025 9:37 PM Author: .,.,,...,...,..,....,...,...,... This makes the optimistic assumption that the interest rate on the two mortgages will be the same. In reality, the interest rate on 50-year mortgages will be higher. My guess is that the payments will be nearly the same once you take that into account. I'm struggling to think of a situation where this type of loan makes sense. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413446) |
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Date: November 9th, 2025 4:33 PM Author: Candy Ride Who benefits? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414761) |
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Date: November 8th, 2025 6:26 PM Author: .,.,,...,...,..,....,...,...,... And the rate won't be the same, either. Banks will demand a higher rate because they are taking the risk of keeping their money locked up for longer. I'm not sure how this makes sense even if Fannie and Freddie will buy these loans now. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413139) |
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Date: November 8th, 2025 5:44 PM Author: Kenneth Play seems good to me. you might have more dumb people buying things they shouldn't. but if you're a poor person with a family you are maybe able to get a level of stability that you didn't have before. and if the fed is gonna run things hotter than 2% inflation maybe it ends up being good to be a mortgage holder (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413055) |
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Date: November 8th, 2025 5:53 PM Author: Paralegal Mohammad (Death, death to the IDF!) this logic is easily applied to a 60 year mortgage too. you dumb goyim have zero spine.
this puts upward pressure on prices and benefits existing asset holders, and it steepens the amortization curve to benefit the banks. it does nothing to solve the actual problem with the housing market, which is low supply, it just benefits trump's boomer and jew base at the expense of everyone else. |
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Date: November 8th, 2025 5:53 PM Author: i gave my cousin head (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413079) |
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Date: November 8th, 2025 7:41 PM Author: Kenneth Play thanks for your charitable reading. i agree that it will push up real estate prices. but i think it can still be good to provide credit to people who may not otherwise have access to it. the only real solution to housing long term is increasing supply, and cutting regulations and red tape that interfere with same (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413266) |
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Date: November 8th, 2025 5:45 PM Author: i gave my cousin head This country could be so nice it's insane what we have yet it's all as horrible as it could be and getting worse by the minute (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413056) |
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Date: November 8th, 2025 5:45 PM Author: animeboi (.) GAY. Home prices will drop when illegals and visa are deported. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413057) |
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Date: November 8th, 2025 5:59 PM Author: .;:..;:.;.:.;.,,,..,.:,.;....;,;;;..;,..,,.,,...., Anyone else have any bright ideas? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413091) |
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Date: November 8th, 2025 6:00 PM Author: ,.,..,.,..,.,.,.,..,.,.,,..,..,.,,..,.,,. financial satanism. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413092) |
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Date: November 8th, 2025 6:02 PM Author: Civil Attorney This is confusing because Donny Dealmaker said that affordability wasn’t actually an issue and the prices of everything are down.
So why do we need this? |
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Date: November 8th, 2025 6:04 PM Author: ""''"'"'"'"'' i prefer being someones unpaid slave, like a servant to a king as long as king gives me a nice cottage on his land and health care. I think that would be a great idea (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413096) |
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Date: November 8th, 2025 6:05 PM Author: Paralegal Mohammad (Death, death to the IDF!) lmfao (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413099) |
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Date: November 8th, 2025 6:17 PM Author: samoth Societies have successfully functioned that way far longer than we've had mortgages. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413123) |
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Date: November 8th, 2025 9:22 PM Author: https://imgur.com/a/o2g8xYK In Asia they still don't allow foreigners to own property, they can only get leases. Crazy (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413431) |
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Date: November 9th, 2025 3:56 PM Author: Let the adversaries of my soul be consumed A federal law banning foreign ownership of American corporations, land and real estate would be the most Pareto optimal thing that can be done and actually make it treason and punishable by death if caught (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414693) |
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Date: November 8th, 2025 6:17 PM Author: Angry white woman tailgating you on an empty road (Anthony Albanese) (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413126) |
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Date: November 8th, 2025 8:44 PM Author: we are definitely claiming fraud trumpmos (oppose israel bois) GOP is fully jewish now (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413379) |
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Date: November 8th, 2025 8:48 PM Author: https://imgur.com/a/o2g8xYK It's not about the 50 year mortgages, it's about the means by which they will be effected. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413388) |
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Date: November 8th, 2025 8:53 PM Author: Paralegal Mohammad (Death, death to the IDF!) Fannie Mae removes 620 minimum credit score requirement
https://www.housingwire.com/articles/fannie-mae-credit-score-update/
Lol, another Jewish gimme |
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Date: November 8th, 2025 9:05 PM Author: mountain cat I’m not really an economics guy but home values are inflated by the amount people are able to borrow to buy them. Lenders look at cash flow to determine how much monthly payment borrowers can afford.
If we are lowering monthly payments by extending the term of the loans, won’t home prices just go up because borrowers can just borrow more money at the same monthly payment? |
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Date: November 8th, 2025 9:11 PM Author: https://imgur.com/a/o2g8xYK Who cares if prices go up when the loan is for 50 years? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413414) |
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Date: November 8th, 2025 9:13 PM Author: mountain cat Won’t that defeat the purpose of the whole thing? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413421) |
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Date: November 8th, 2025 9:14 PM Author: https://imgur.com/a/o2g8xYK The price would have to go up a lot to offset the ~50% lower monthly payments. This also implies that any home you buy will accrue equity while you own it (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413422) |
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Date: November 8th, 2025 9:43 PM Author: samoth The problem with people like you is that you look too far into the "future" and consider "ramifications" of your actions.
You'll never succeed in public office with this mindset, bro. |
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Date: November 8th, 2025 11:18 PM Author: .,.,,..,..,.,.,:,,:,...,:::,...,:,.,.:..:. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413558) |
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Date: November 8th, 2025 11:19 PM Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413560) |
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Date: November 9th, 2025 7:36 AM Author: WordcelWorth (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413827) |
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Date: November 9th, 2025 2:33 PM Author: AZNgirl Raping Taj Mahal because it's White (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414463) |
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Date: November 9th, 2025 4:30 PM Author: WWED: What Would Emilio Do? (gunneratttt) (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414751) |
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Date: November 9th, 2025 4:31 PM Author: WWED: What Would Emilio Do? (gunneratttt) prices continued rising when rates were rising too (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414754) |
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Date: November 8th, 2025 11:16 PM Author: .,.,...,..,.,.,:,,:,.,.,:::,...,:,...:..:.,:.::,. This is outright dystopian. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49413552) |
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Date: November 9th, 2025 1:40 PM Author: ........,,,,,,......,.,.,.,,,,,,,,,, Seems like you're just asking for the same thing that happened when they gave everyone free unlimited loans for grad degrees - prices skyrocketed.
I think the 2 fixes to the housing market would be:
1. Require all lenders including securitizations to allow people to transfer their loan terms. So if you have a $500,000 loan at 3% and go to buy a $1 mm house, you can still use that $500,000 loan at 3% as long as you pay the fees to subsitute the new property into the mortgage.
2. Just lower fucking mortgage loans to 5.0%. The government has their hands enough already in this market not sure why they can't just dictate that. |
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Date: November 9th, 2025 2:28 PM Author: .,.,,...,...,..,....,...,...,... (economics masterman)
Yes, banks will absolutely continue to lend money at 5% to homeowners who might default when they could just buy 30-year Treasuries and get the same return risk-free. If you fix mortgage rates to 5%, the entire housing market will freeze up because banks will never lend money again. |
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Date: November 9th, 2025 2:32 PM Author: ........,,,,,,......,.,.,.,,,,,,,,,, ^^^Guy who thinks banks hold these loans on their books and doesn't raelize they're already quasi guaranteed by the government anyway (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414459) |
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Date: November 9th, 2025 3:29 PM Author: .,.,,...,...,..,....,...,...,... Many times banks do hold them, actually, but that's beside the point. Nobody is going to buy mortgage-backed securities from Fannie or Freddie if they can get the same return risk-free by buying 30-year Treasuries.
And I haven't even gotten into the other reasons this idea is absolutely idiotic. If you let anyone borrow unlimited amounts of money at 5% to buy real estate, you will have every investor in the country buying second homes and rental properties. And if they aren't earning money on these investments, they know that they can just walk away and let the taxpayers bail them out. If you want to make the housing crisis about 100 times worse than it is already, then let the government fix mortgage rates at 5%. |
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Date: November 9th, 2025 4:28 PM Author: ........,,,,,,......,.,.,.,,,,,,,,,, This is all stupid.
You honestly think that the fed can meet and just pronounce that mortgage rates are going up or down a quarter point, but they couldn't find a mechanism to hold mortgage rates at 5%?
And obviously you wouldn't give the preferential rate for second properties. Not sure if you follow the news, but we already have a system in place for people to access cheap, government guaranteed mortgages so long as they're not second homes or rental properties... |
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Date: November 9th, 2025 6:46 PM Author: .,.,,...,...,..,....,...,...,... I didn't realize I was arguing with an actual moron. Yes, of course the government could fix mortgage rates at 5%. The government could also spend $500 billion dollars to build a 50-story solid gold replica of Trump's cock. Just because the government can do something doesn't mean it should.
I shouldn't bother to respond to an actual idiot, but even mortgages owned by Fannie and Freddie are not formally guaranteed by the government. There is an understanding that the government will bail them out if shit really hits the fan (and the government did during ITE), and that keeps mortgage rates lower. But there is still some risk associated with these mortgages. If you make mortgage rates lower than the long-term Treasury rate, nobody is going to issue a mortgage, because you would have to accept greater risk for a lower return. That's precisely why mortgage rates tend to track long-term Treasury rates. This is all Econ 101 stuff. Maybe go read an economics textbook before pushing moronic ideas on xoxo. |
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Date: November 9th, 2025 2:35 PM Author: Sue Johanson Talkin' Sex Actual banks barely deal with residential mortgages anymore, most of them exited that business or heavily reduced it in the 2010s. It's mostly shitty shadow bank mortgage companies doing the lending now.
There's always some shitty hook nose to fill the gap. |
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Date: November 9th, 2025 4:34 PM Author: WWED: What Would Emilio Do? (gunneratttt) this isn't something that can be solved by tweaking the numbers. we need to make developing property more affordable. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414765) |
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Date: November 9th, 2025 4:36 PM Author: ........,,,,,,......,.,.,.,,,,,,,,,, That's a problem, but there's also the problem that a significant amount of people are now in houses with sub 3.0% mortgages and those houses have not, and will not, turn over at a normal rate when interest rates are at 6%. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414769) |
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Date: November 9th, 2025 4:51 PM Author: WWED: What Would Emilio Do? (gunneratttt) increasing the maximum loan length and decreasing interest both function to make borrowing more affordable on a monthly basis and would only serve to increase prices.
https://www.mortgagenewsdaily.com/data/existing-home-sales
existing homes are being sold at a rate in line with the historic average. housing sales increased during covid because people had more flexibility where they could work, wanted to leave cities that weren't offering the things people move to cities for, etc. |
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Date: November 9th, 2025 4:35 PM Author: chad gundam (🧐) Yeah brother that's the entire point. The goal is to just subsidize demand so money printer can spin for extra couple years. Thats it (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414767) |
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Date: November 9th, 2025 2:33 PM Author: AZNgirl Raping Taj Mahal because it's White Just saw on X that Hitler capped mortgage rates at 4%, banned foreigners from buying and forgave 25% of a mortgage for each child born and the lower interest rate was contingent on the bitch wife not working
And they tell us Hitler was a "bad" man |
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Date: November 9th, 2025 2:38 PM Author: Diane Rehm talking dirty (🐿️ ) Now do Gaddafi (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414474) |
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Date: November 9th, 2025 2:56 PM Author: AZNgirl Raping Taj Mahal because it's White whoaaa, jews wld HATE this
Here is what the available information indicates about Gaddafi's housing finance policies:
## **Key Mortgage/Housing Policies Under Gaddafi**
| Policy | Description | Source | |--------|-------------|--------| | **Interest-Free Loans** | State-owned banks provided loans to citizens at **0% interest**, particularly to married couples. These were not conventional mortgages but direct government lending. | , , | | **State-Owned Banking** | All banks were state-owned, eliminating private sector mortgage lending. Housing finance was a government function, not a market mechanism. | , | | **Construction Support Laws** | **Law No. 2 of 1981** aimed to support construction, reconstruction, and encourage real estate investment. **Law No. 116 of 1972** provided residential subsidies. | | | **Rent Controls & Price Fixing** | Compulsory rent reductions of **30-40%** were mandated, along with statutory price controls on housing. | | | **Property Ownership Restrictions** | **Law 4/1978** limited individuals to **one house** only; additional properties were confiscated. This prevented speculative real estate investment and private rental markets. | |
## **How the System Worked**
Instead of a Western-style mortgage market, Gaddafi's Libya used: 1. **Direct state provision**: Government allocated housing units, often through employers or revolutionary committees 2. **Zero-interest loans**: For those who qualified (especially newlyweds), loans were interest-free but came with strict eligibility criteria 3. **No private lending**: No commercial banks or mortgage companies existed to offer market-rate home loans 4. **Construction subsidies**: The state directly funded housing construction, bypassing private developers
## **Limitations & Context**
**Post-Gaddafi housing crisis**: The 2025 CAHF report notes that Libya currently has a **"malfunctioning housing market"** with **"no access to long-term mortgage loans"** and a **"chronic housing shortage"** . This suggests Gaddafi's statist model **did not create sustainable housing finance institutions** that survived his regime.
**Bottom line**: Gaddafi eliminated interest and private property speculation, but the system relied entirely on state control rather than building a functional mortgage market. |
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Date: November 9th, 2025 3:41 PM Author: contentman (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414670) |
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Date: November 9th, 2025 4:02 PM Author: There sat down, once, a thing on Henry's heart It was literally grift and bribe economy though. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414705) |
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Date: November 9th, 2025 2:40 PM Author: Covid was a Hoax "If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered."
-tj |
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Date: November 9th, 2025 3:17 PM Author: potluck https://www.monticello.org/research-education/thomas-jefferson-encyclopedia/private-banks-spurious-quotation/ (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414577) |
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Date: November 9th, 2025 3:20 PM Author: https://imgur.com/a/o2g8xYK https://online.hbs.edu/blog/post/time-value-of-money (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414605) |
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Date: November 9th, 2025 3:39 PM Author: Covid was a Hoax wow thanks hbs! tell me more im thirsty for financial knowledge! (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414662) |
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Date: November 9th, 2025 3:57 PM Author: https://imgur.com/a/o2g8xYK Settle down it's just a link (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414694) |
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Date: November 9th, 2025 4:01 PM Author: There sat down, once, a thing on Henry's heart I feel like GC will just ensure that the monthly payments will be roughly the same regardless of 30 or 50. We are past the point of rational pricing in society on things like that. GC’s goal is to strip-mine as much extra cash as a household gets so households don’t get ahead ever. |
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Date: November 9th, 2025 4:32 PM Author: coiffed sandwich if you pass a law that lets people spend even more money on an asset, i bet the price of that asset will go down. (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414756) |
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Date: November 9th, 2025 4:33 PM Author: Charlie Kirk Did Nothing Wrong (TDNW) ghastly policy
and Trump bragging that FDR created the 30yr mortgage is lol |
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Date: November 9th, 2025 4:39 PM Author: chad gundam (🧐) He's just transparently throwing spaghetti at the wall trying to subsidize demand in any way possible to keep making stock number go up. Maybe I'll use my tarriffstimbux to pay 10% of the realtor fee on my 50 year mortgage American Dream (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414776) |
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Date: November 9th, 2025 4:54 PM Author: WWED: What Would Emilio Do? (gunneratttt) what would you do in his shoes if you wanted to make purchasing a house more achievable for ordinary americans? doing something like federal government assistance in developing property might not be feasible.
i'm not saying that this is a good policy. but i'm not as cynical about his motivations. although i'm sure stimulating the economy regardless of the long-term consequences factors in too. |
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Date: November 9th, 2025 5:04 PM Author: AZNgirl Raping Taj Mahal because it's White how abt doing somethign crazy like building 10 entire new furking cities using federal land so there's free land for jew developers to build shit and then u have tax rebates and subsidies and stuff and u build subways and trains and shit connecting shit and then if tehy dont get immmediately occupied u call them GHOST CITIES and make documentaries on youtube how this is so stupid but then a year later they all get full of ppl and u dont have a housing crisis? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49414832) |
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Date: November 9th, 2025 5:06 PM Author: WWED: What Would Emilio Do? (gunneratttt) >doing something like federal government assistance in developing property might not be feasible
the government is currently shut down because of deadlock on the budget. trump can't just wave a magic wand and start funding massive development projects. |
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Date: November 9th, 2025 6:50 PM Author: .,.,,...,...,..,....,...,...,... It's fascinating to me that a bort that generally leans conservative wants the government to get even more heavily involved in free markets once housing prices get high. I never thought I would see the day when Mamdani and xoxo are pushing the same dumb ideas. Why not try to eliminate zoning rules and fight NIMBYism to get more housing built? While you're at it, why don't you get rid of tariffs on imported building materials and make it easier to hire immigrants who are willing to build houses for cheap? But why trust free markets when you can just give people government handouts instead? (http://www.autoadmit.com/thread.php?thread_id=5795050&forum_id=2/#49415014) |