The Japanese real-estate market was all but dead in the mid-1990s. Deflation was holding personal income down, the stock market was falling, interest rates were already low and could not be lowered any further by the government, and very few people could afford the standard mortgage terms. To address the problems, the 100-year mortgage was introduced. This loan carried a lower monthly payment, but the extended term of the loan means that over time, the borrower pays much more interest. In the United States, 40-year mortgages were offered during the housing bubble of the early 2000s, as house prices climbed dramatically. There has been talk of creating 50- and 100-year mortgages in the future, and these options are occasionally available today in the form of seller-financed loans.

(http://www.autoadmit.com/thread.php?thread_id=3092569&forum_id=2/#29560380)

http://homeguides.sfgate.com/longest-mortgage-7677.html

(http://www.autoadmit.com/thread.php?thread_id=3092569&forum_id=2/#29560402)

Refinance

Home-equity loan

Home equity line of credit

Sell home to future heirs

(http://www.autoadmit.com/thread.php?thread_id=3092569&forum_id=2/#34848890)

Selling the home to future heirs could work out great, and would obviate the need for something like a reverse mortgage, but most people are not in that position.

(http://www.autoadmit.com/thread.php?thread_id=3092569&forum_id=2/#34849098)