That's an unusual phenomena. It's because the interest rate



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送交者: skipper3 于 2005-7-22, 17:17:59:

回答: People in California have been using 50-year mortages. 由 Enlighten 于 2005-7-22, 16:59:31:

is at historically low and the housing price is at historically high. So lenders invented such tools to attract customers. But you can do the maths to see how much difference it will make if you amortize the loan in 35 years instead of 50 years(You need to use the same long term interest rate in the calculation, otherwise the risk exposure to interest rate fluctuation will not be the same for the two scenarios therefore not comparable)



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