特朗普政府考虑用50年的抵押贷款来降低支付额,但面临法律和财政问题。 The Trump administration considers 50-year mortgages to lower payments, but faces legal and financial concerns.

据FHFA主任Bill Pulte说,特朗普政府正在探索50年的抵押贷款,通过降低月付款额提高住房的可负担性。 The Trump administration is exploring 50-year mortgages to boost housing affordability by lowering monthly payments, according to FHFA Director Bill Pulte. 该提案仍在审查中,目的是在房价上涨的情况下帮助首次买主,尽管根据《多德-弗兰克法》,它面临法律障碍,该法将符合条件的抵押贷款限制在30年。 The proposal, still under review, aims to help first-time buyers amid rising home prices, though it faces legal hurdles under the Dodd-Frank Act, which limits qualified mortgages to 30 years. 专家警告较长期限可能会增加已付利息总额,并减缓股本增长。 Experts warn longer terms could increase total interest paid and slow equity growth.