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this post was submitted on 12 Nov 2025
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Chapotraphouse
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Except longer term loans have higher interest rates so you'll be paying nearly the same per month anyway
That's my understanding, based on my current experience with a mortgage.
However, I don't know what my IQ is so I guess I can't speak on this.
Also the limiting factor for most people getting a regular mortgage is the down payment and credit check, not the actual monthly payment. Unless you're rooming with 3 other people (and maybe even then) you'd likely spend less on a mortgage than your rent depending on where you live.