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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 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 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 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 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 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 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 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 |