Pāhonoa te oro

Banks don’t think in weeks or months. They think in decades. A mortgage, for example, can last 15 to 30 years. That’s decades of consistent payments… and consistent interest. Even better for them? Most of the interest is paid in the early years. So even if you sell your home or refinance later, the bank has already secured a significant portion of its profit. This long-term structure ensures that, no matter what happens, the system remains profitable.