There's a rising trend of people in their 20s in Japan opting for 50-year housing loans. The increase in such long-term mortgages reveals the realities of Japan's urban housing market and the financial struggles of its younger population. Although these long-term loans have lower monthly payments, they carry significant financial risks, such as the potential of negative equity if house prices drop.

In Japan, increasing property prices in urban areas compel young adults to choose 50-year loans to afford a house. This news evokes considerable public concern given Japan's extensive history with an asset price bubble in the late '80s, increased longevity, and potential impact on pension funds. The balance between the desire for homeownership and securing financial stability is a hot topic.

In the US or EU, 30-year mortgages are the norm, and 50-year loans are relatively rare due to the high total interest paid over time. However, the high-cost of living and challenging economic conditions for young adults is a shared struggle across many developed nations, reviving discussions about affordable housing and financial security.