Extend the maturity of variable mortgages? More costs than benefits

Unless the government is considering allocating public money to offset higher interest spending, the proposal to lengthen variable-rate mortgages, which took shape in the context of the general assembly of the ABIis pure demagoguery. This possibility already exists and many banks are putting it into practice to help customers in difficulty. Said there is the alternative of the subrogationwhich allows you to change credit institution at no cost and to access the fixed rate, which in this particular market phase has competitive costs, and having said that there is also, by law, the opportunity to renegotiate with your bank if you meet the requirementsit is not clear why extending the loan maturity is presented as the solution to all problems when in the long run it risks penalizing the borrower.