Hipotek
Pemerintahan Trump mengusulkan hipotek 50 tahun di tengah krisis keterjangkauan
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Gedung Putih sedang mempertimbangkan apakah lembaga perumahan federal seharusnya mengeksplorasi hipotek 50 tahun untuk menurunkan pembayaran bulanan. Pendukung menyebut ide ini sebagai perubahan permainan potensial, sementara ekonom perumahan dan bahkan beberapa sekutu konservatif memperingatkan bahwa hal itu akan meningkatkan biaya pinjaman seumur hidup dan memperlambat pembangunan ekuitas.
A Michigan couple has closed on the first conventional home mortgage backed by Fannie Mae using Bitcoin as collateral. Coinbase announced the milestone on June 4.
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Spain's 12-month Euríbor, benchmark for most variable-rate mortgages, closed April at 2.747%, its highest since September 2024. This marks a 60.4 basis point rise from a year ago, raising average annual mortgage payments by about 600 euros. The increase pressures both variable and fixed-rate mortgages.
As the Trump administration promotes cryptocurrency, smaller lenders are experimenting with crypto assets to qualify borrowers overlooked by traditional underwriting. Companies like UMortgage and Milo have closed millions in such loans, highlighting both opportunities and risks in this emerging market. This approach allows homeowners to leverage digital wealth without selling it, though volatility and regulation remain hurdles.
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In November 2025, real estate purchase deeds in Buenos Aires dropped 8.8% compared to the same month in 2024, with 5,250 operations signed. Despite the decline, the total transaction value rose 51.5% year-over-year to $885.985 million pesos. The sector is slowing down, affected by fewer mortgages, according to the College of Notaries.