Isn’t “take credit for your whole life” expected for most homes? The expected market price of a home in terms of rent should be “what you can afford”, and with

Isn’t “take credit for your whole life” expected for most homes? The expected market price of a home in terms of rent should be “what you can afford”, and with that argument the expected purchase price would be the number that makes the capital cost of a loan the same as the rent (minus some maintenance and other factors). If interest rates are tiny then the expected mortgage for a house will be huge. Especially if there are no regulations requiring the length of mortgages.