Sure, you pay interest on the loan. By the time the loan is paid off you have generally paid well in excess of the original loan amount back to the lender. Borr

Sure, you pay interest on the loan. By the time the loan is paid off you have generally paid well in excess of the original loan amount back to the lender. Borrow 100k at 4% for 30 years and at the end you have paid $171,870. Maybe the home appreciates at the same rate, maybe not. You are right in that it is better than credit card debt my a mile though.