白宫正在探索50年的抵押贷款 以提高住房的可负担性, 但专家警告它 提高长期成本 并且不解决潜在的供应和工资问题。 The White House is exploring 50-year mortgages to boost housing affordability, but experts warn it raises long-term costs and doesn't fix underlying supply and wage issues.

白宫正在考虑为期50年的抵押贷款,以缓解住房负担能力,有可能通过将还款分配到50年以上来降低每月支付额。 The White House is considering 50-year mortgages to ease housing affordability, potentially lowering monthly payments by spreading repayments over five decades. 虽然这可以帮助一些买家进入市场,但专家们警告说,这样做会增加总利息成本,并可能拖延财务独立。 While this could help some buyers enter the market, experts warn it increases total interest costs and may delay financial independence. 批评者认为它没有解决住房短缺、建筑成本高、工资停滞等核心问题。 Critics argue it doesn’t address core issues like housing shortages, high construction costs, and stagnant wages. 该提案引发了对延长贷款期限是否真正减轻或仅仅转移财政负担的辩论。 The proposal has sparked debate over whether longer loan terms offer real relief or simply shift financial burdens. 目前没有任何主要放款人提供这类抵押贷款,监管障碍依然存在。 No major lenders currently offer such mortgages, and regulatory hurdles remain.