> people have to spend decades paying back loans and being vulnerable to a drop in house prices So what if your housing price drops? If you are in for the lon

> people have to spend decades paying back loans and being vulnerable to a drop in house prices So what if your housing price drops? If you are in for the long term, just ride it out. The risk in a long term loan isn't fluctuating prices, it is income stability. People don't lose homes because their home value drops, they lose them because they lose their jobs and can't afford to make payments.