[i_am_programmer]

That's wrong, long term exist rates exist all over Europe. France has very popular 20 year fixed mortgages at great low rates, 30 years are not uncommon. Before recent inflation causing rate hikes, you could access interest rates between 1% - 3% for these types of deals

[pxx]

I fixed the wording to be more clear about what I meant. These are also often subsidized products.

Long-term fixed rate is still a relative rarity globally, especially in the US style where there are no prepayment penalties. France is a notable exception, as specified in https://business.sdsu.edu/research/_files/_realestate/intern... , but still doesn't have the prepayment-penalty-free nature (though prepayment penalty amounts are capped by law).

[tomekf]

Can confirm. I have 30 year fixed at 1.2% here in Spain

[J_cst]

I have a 25y mortgage at 1.28 fixed. I accessed it less than 3 years ago. Italy

[hsjqllzlfkf]

Just to double check, are you sure those 30 year are fixed?