A 50-year mortgage is a home loan repaid over five decades (600 monthly payments), significantly longer than traditional 15 or 30-year terms. It offers lower monthly payments, which could make homeownership more accessible and allow buyers to afford more expensive homes, but it substantially increases the total interest paid over the life of the loan and significantly slows equity accumulation. The concept has gained attention globally, particularly in discussions around addressing housing affordability crises, with proposals such as the Trump administration's in the US to promote them. However, experts often caution against them due to the substantial increase in total interest and slow equity growth. There is no current indication that 50-year mortgages are specifically trending in Saudi Arabia, where mortgage activity saw a decline in 2025.
