特朗普欲推50年房贷，业内人士质疑可行性：利息成本翻倍、终身还不完

Core Viewpoint - Trump proposed a new 50-year mortgage plan to help young people afford housing, addressing concerns about housing affordability [1][8] Group 1: Housing Affordability Issues - The average age of first-time homebuyers in the U.S. has increased from 28 in 1991 to 38 in 2024, indicating growing housing pressure [2] - Current mortgage payments account for 39% of household income, significantly exceeding average income levels [2] - The average interest rate for a 30-year fixed mortgage is 6.22%, down from over 7% in 2023 but still higher than below 3% during the pandemic [2] Group 2: Industry Criticism - Experts criticize the 50-year mortgage plan as short-sighted, arguing it will not effectively alleviate cost burdens and may harm homeowners in the long run [3][4] - The Dodd-Frank Act prohibits federal government from offering loans longer than 40 years, posing a legal challenge for implementing the 50-year mortgage [3][6] Group 3: Financial Implications - A 50-year mortgage would increase interest payments and slow the accumulation of home equity, potentially leading to higher overall costs for homeowners [4][5] - For a $420,000 mortgage at a 6.3% interest rate, the total cost could rise to approximately $1.1 million, with over $360,000 in interest paid [4][5] Group 4: Implementation Challenges - The Consumer Financial Protection Bureau would need to modify regulations to allow for 50-year loans, a process that could take over a year [6] - The willingness of lenders to offer 50-year mortgages may be limited due to legal liability concerns under current regulations [6] Group 5: Market Reactions - Some Republican lawmakers have distanced themselves from Trump's proposal, expressing opposition [3][7] - The proposal has been met with skepticism from industry experts, who warn of potential dissatisfaction among future homebuyers [7]