Most homebuyers choose 30-year mortgages, but this week, President Trump floated the idea of a 50-year mortgage to make homeownership more affordable.

It comes as the median age of first-time homebuyers in the U.S. has climbed to 40 years old — a record high, according to the National Association of Realtors .

Supporters of the proposal say it could open up homeownership to more people. But critics have called it a giveaway to big banks and argue it would do little to resolve core problems of the housing market, like a lack of supply and high interest rates.

No other details about the proposal have been released.

So how do the numbers look on a 50-year versus a 30-year mortgage?

Industry experts generally agree if the 50-year mortgage were to become a reality, it would lower mo

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