OK, here’s my question – how many people will be selling their houses when they have a 40 year loan at 2% and all of their expenses are added on to their rear end of the loan. This means that if they have $20,000 in extra expenses they can’t afford when the bank works out the loan, the bank will add it on to the back end of the note. While the owner of the house will have to pay interest on this amount ($400 per year), they will not have to (6 comments)