The american dream of home ownership is rooted in settler colonialism, and used as a tool to keep workers in debt and afraid to take risks organising
this post was submitted on 12 Nov 2025
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Well, the USA has 96 month automobile loans and this kind of shit does not surprise me. None of the asswipes in DC are discussing the piss poor income distribution in the USA which leads to affordability and a decent middle class life. In 1789, the French were 100% correct.
Anybody who believes a 50 year mortgage is a good idea, does not understand discount rates....
Discount rates are one of my favorite things. But pretend I'm one of those dumbasses who didn't do the reading...? What would you say to really put those fuckers in their place!?
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A mortgage that lasts longer than your career is how you build generational debt.
Also, if the dealership is offering you 29% on a 7 year loan, please walk away. Stop giving in to that shit. It's better for you, and it's better for the rest of us.
I’m gonna be dead in 20 years, so I’m so sorry to have to turn this down lol
They're considering offering a 50-year mortgage product to a market where the average first time buyer age is 40. Like no joke they're aiming to lock people into a mortgage that would cost more per month than renting the same property until they're 90.
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We laugh at this, but the older generations still remember when the mortgage interest was this high. I don't know where you guys are from, but there is an old news reel from the 1970s here in Ireland when young families at the time complained of "high" house prices of up to 72,000 pounds, with mortgage interest of 14%. The folks on social media had their jaws dropped on learning of how high the interest rate was, but how cheap the overall property value was back then. Now how much are those said houses at the moment? They are now worth between €690,000 to €1.5 million. High valuation but the interest rate is down in proportion. In any case, only few could afford to buy houses these days due to inflation and wages haven't kept up with it.
Life hack for renters: You can just steal from the bank.
Such a stupid, stupid society.
Subprime Rides Again, baby.