Homes/real estate have been appreciating in value since the late 1980s when interest rates were in high double digits. At Covid the rent on debt hit zero or close to it, in some cases going negative. The price of fiat money cannot go any lower and is likely to stay around 2-6% therefore the mechanism that drove the constant increase in real estate prices ( the constant lowering of the price of debt) is no longer operational and is unlikely to be again in the foreseeable future. Because the price of debt cannot increase much or it would trigger mass default, and the price of debt cannot lower much because it would make fiat banking unviable. This we enter an ear where house/property prices are very unlikely to continue to rise as they did from the late 1980s until Covid. Property prices are most likely to be stagnant or to decrease. There is no room for them to be pumped up much more with more debt leverage. The banks will be desperate to find any new ways to wring a little more rentseeking out of the dying fiat debt leveraged property bubble. 50 year mortgages is just such bait. Buying a home now using a 50 year mortgage is risking enslaving yourself to probable negative equity and debt slavery. Do not do it unless you really must and are aware of the risks.