this post was submitted on 23 Jan 2025
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[โ€“] [email protected] 5 points 1 day ago* (last edited 1 day ago) (1 children)

Those mortgages have an interest rate of less than 3%, but now the returns on even low-risk investments are higher than that, so the borrower is better off investing the money, using some of the profit from that to pay mortgage interest, and keeping the rest.

[โ€“] [email protected] 4 points 1 day ago

Even more: an interest rate of <3% is basically blown away by annual inflation.

That assumes your salary goes up with inflation, though.