Why is a home loan repayment at 20 to 25 years? I know about the - TopicsExpress

Why is a home loan repayment at 20 to 25 years? I know about the discounting formula, depreciation and appreciation etc but its just rediculous. The longer the term of repayment the cheaper installment should be and vice versa. Examples a car term is short because it is a liability hence expensive, 5-6 years. A house is an asset, fair enough, but the price is too high and the term is very long. Why? Is/are there no other formula/s? I have been doing a lot of calculation and todays interest is just to high...

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