[jjav]

> What do you mean "mortgage never rises" in the US?

> It can if you have an adjustable rate mortgage.

Yes, that is true. Also, ARMs are rare and always a bad idea. The norm is a 30 year fixed rate mortgage. Which means the mortgage can never go up. But you can refinance it down, if opportunity arises.

> There's maintenance and repairs, property-related taxes (which can go up), healthcare, food, gas, automobiles, the price of basic necessities, a meal out, etc.

Sure, if we change the goalposts then we're talking about something else.

Dining out may get more expensive (I fail to see how that is relevant to the mortgage), but the fixed rate mortgage never goes up.