---
title: "UBS: The 50-year mortgage proposed by Trump will double the interest cost over the entire loan term"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/265396942.md"
description: "UBS Group AG analysts pointed out that the 50-year mortgage proposed by Trump will reduce borrowers' monthly payments, but the total interest paid by homeowners over the entire loan term will double. Although the monthly repayment amount can be reduced by about $119, buyers' purchasing power can increase by nearly $23,000, the extended loan term will also slow down the accumulation of home equity"
datetime: "2025-11-11T21:11:02.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/265396942.md)
  - [en](https://longbridge.com/en/news/265396942.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/265396942.md)
---

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# UBS: The 50-year mortgage proposed by Trump will double the interest cost over the entire loan term

UBS Group AG analysts John Lovallo, Spencer Kaufman, and Matthew Johnson stated that for a 50-year mortgage on a moderately priced U.S. home, borrowers can reduce their monthly payments, but it will also double the total interest paid by homeowners over the life of the loan. Extending the mortgage term from 30 years to 50 years can lower the monthly payment by about $119, or increase the purchasing power of the average consumer by nearly $23,000. Extending the mortgage term also means that homebuyers will accumulate home equity at a much slower rate during the loan period

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