You get 50-year mortgages after voting for deporting foreigners, shoring up domestic manufacturing, ending foreign wars and controlling spending

[acptulsa]

If that's all he's doing, I don't see what the problem is.

The problem is that Teddy Roosevelt's bully pulpit is being abused, with the obvious result of miseducated Americans signing up to suffer. How is it Trump's job to normalize this garbage, this banker's wet dream where a person pays interest until he dies then his home is snatched from his widow because there were still three months to go?

 

[Danke]

Property tax on my farmland up around 43 percent in 2o23 and 2024( 16 and 27) if i recall , yer grandkids will love all the tax and ins increases to go with all that interest

Go speak with the Bureau of Indian Affairs. Your land on the reservation should be tax exempt.

 

[jmdrake]

Former black MAGA "The Amazing Lucas" is having a field day on this one.

 

[oyarde]

Go speak with the Bureau of Indian Affairs. Your land on the reservation should be tax exempt.

There are around 90 to 93 regional offices and agency offices but none in The Land of Indians . They are not welcome here. We have a strict no dept of interior policy. We cant have any of that gay shit going on around here

 

[Anti Federalist]

 

[oyarde]

Well, I dont think so and Im sure it isnt the intention but as far as I can tell no fifties exist and forties are private equities but we all know govt later on wont let a really big bank fail so Ya I dont see enough need for this to risk any tax dollars for bailouts later on

And that gets back to my previous question. Is Trump proposing some new federal insuring of 50-year mortgages at taxpayer expense that doesn't already exis

 

[Danke]

Lower interest rate on a 50 year loan. So if you’re not planning on staying in a particular home for a long time, it can make sense.

 

[acptulsa]

 

[Invisible Man]

If you pay $15,000 per year, then it will work as follows:
On the day you take out the loan, you owe $100,000 in principle and $0 in interest.
One year later, you owe $110,000 and pay $15,000, which leaves you owing $95,000, meaning you paid $10,000 toward the interest and $5,000 toward the principle.
One year later, you owe $104,500 (=$95,000+$9,500), and pay $15,000, meaning you paid $9,500 toward the interest and $5,500 toward the principle.
One year later, you owe $98,450 (=$89,500+$8,950), and pay $15,000, meaning you paid $8,950 toward the interest and $6,050 toward the principle.

And so on.

You still could pay off the loan with payments that follow a rule of half going to interest and half going to principle, but that would require the first year's payment to be $20,000, and then the next year's to be $18,000, and then $16,400, and so on. It wouldn't be the same payment every time.

Sorry for bringing this back to life, but I was thinking about what I said here, and the last sentence of what I said in the above quote isn't true. If you did try to pay off a loan with payments that were always half toward the interest and half toward the principle, then, as long as the interest rate is anything less than 100%, and if you just deal with the pure math and don't allow rounding off fractions of cents, then the loan will never get paid off. Each payment will be less than the previous one, but no payment will ever be the full amount remaining on the loan. It wouldn't be possible to do a 15-year, 30-year, 50-year, or any other finite number of years, mortgage this way. It would always be an infinite-year mortgage. Over time, the monthly payments would be in the hundredths of a cent, and then the thousandths of a cent, and keep getting lower and lower and asymptotically approach zero without ever reaching it.

 

[acptulsa]

If you did try to pay off a loan with payments that were always half toward the interest and half toward the principle, then, as long as the interest rate is anything less than 100%, and if you just deal with the pure math and don't allow rounding off fractions of cents, then the loan will never get paid off.

Wrong again.

Are you trying to say that if you always pay half of the loan until it gets down to a penny, then refuse to pay any more because you won't pay a penny and there's no such thing as a half penny any more, you'll never pay it off?

That is true, by the way. It's a ridiculous situation, but it is true. If, however, you make set payments of a specific amount, each the same amount, and half of each goes to principal and half goes to interest, it'll get paid off somewhere prior to forever provided you don't have to pay interest on the interest. I guarantee it.

 

[Danke]

As I said in the other thread:

“Lower interest rate on a 50 year loan. So if you’re not planning on staying in a particular home for a long time, it can make sense.”

 

[Occam's Banana]

Trump’s 50 Year Mortgage Mistake
https://www.youtube.com/watch?v=rCvS86L758I
{Mises Media | 14 November 2025}

On this episode of Power & Market, Ryan, Connor, and Tho talk about Trump’s FDR-like proposal of a 50-year mortgage and the unfortunate reality that it seems to be one of the only actual policy ideas Republicans have left to “address” affordability.

 

[Occam's Banana]

THREAD [Ron Paul Liberty Report]:

'Do You Really Want A 50 Year Home Mortgage?'

Nov 10, 2025

Do You Really Want A 50 Year Home Mortgage?​

"President Trump has touted a solution to the housing affordability crisis: 50 year home mortgages, but is this just effectively a "you'll own nothing and be happy" strategy? Also today: Russia considering Venezuela's offer for assistance as the US continues its military show of force."

• Brian4Liberty
• Replies: 4
• Forum: Ron Paul Forum

 

[ClaytonB]

 

[acptulsa]

 

[TheCount]

One option has soul crushing life-long debt.

 

[Snowball]

This is a good time to revist one of my old threads:

'Loan Penetration by Banks destroys home ownership rates worldwide.'

Mar 14, 2021

THIS IS HOW BANKERS MURDER A HEALTHY SOCIETY.

Countries that they have not yet exploited with their predatory banking enjoy much higher home ownership rates.
How can people afford the homes they live in so much when they are financially poor? Because the homes and land were not financialized. Long-term financialization has taken America from a country where 6 months of work could buy a nice home in cash to a country where it takes decades to finish buying a home for most people.

Housing Loan Penetration by Country
Descending Order:
50%+ Swe, Den
40-50%: Lux, NZ, Australia, Neth
30-40%...

• Snowball
• Replies: 40
• Forum: Economy & Markets

• 

 

[Occam's Banana]

Ana Kasparian RAGES Over 50 Year Mortgage
https://www.youtube.com/watch?v=tbs53W2n0s4
{Actual Justice Warrior | 20 November 2025}

In this video, I discuss the recent backlash over the Trump administration's 50 year mortgage proposal & I explain why this if implemented will completely backfire in more ways than one.

Sources:

Trump's Terrible Explanation of 50 Year Mortgages: https://x.com/RedWave_Press/status/1988048887106408454
Original TYT Video: https://www.youtube.com/watch?v=xCydb2d3uoE
7 Year Auto-Loan Disasters: https://www.usatoday.com/story/mone...-50-year-mortgage-interest-rates/87209809007/
​

 

[Anti Federalist]

 

[Invisible Man]

What is the proposal here? A mortgage with a guaranteed very low interest rate for the first 5 years, followed by a very high interest rate for the rest of the lifetime of the loan, with penalties built in to disincentivize paying extra in the first five years or refinancing in ways that would the bank from making the profits that they plan to make when they charge those higher interest rates?

I would be surprised if there's anything preventing borrowers and banks from setting up a loan like that right now. But is there really a demand for this kind of a product?