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# How long will it take me to pay back my mortgage?

The total mortgage repayment term is determined by the length of time you choose to repay your loan. 

| The **Total Repayment Period** can be from **5 to 35 years**. 

A longer term ensures a lower monthly payment, but the total interest is higher. 
On the other hand, choosing a shorter term will result in a lower interest rate but a higher installment.
 
Therefore, the term you choose should set your installment at a level where a possible change in your income or an unforeseen event will not create a problem in servicing the loan. 

Finally, don't forget that the age of the youngest party to the mortgage **can't be more than 75 years old at the end of the loan.**