According to @charliebilello, a 50-year mortgage would more than double total interest paid versus a 30-year term, build only around 5 percent equity in the first 10 years, and worsen affordability by subsidizing demand, making it a poor policy tool for buyers and the housing market, source: Twitter post by @charliebilello on Nov 18, 2025 at twitter.com/charliebilello/status/1990809485733212168. For trading decisions, the post emphasizes three measurable metrics to monitor on any ultra long mortgage proposal: cumulative interest burden, early decade equity build rate, and affordability impact via demand effects, source: Twitter post by @charliebilello on Nov 18, 2025 at twitter.com/charliebilello/status/1990809485733212168. A companion video is provided for context and methodology behind the view, source: YouTube video at youtube.com/watch?v=Rymjh0urND8.