• Ghostalmedia@lemmy.world
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      1 year ago

      Edit. Sounds like OP might be talking about property taxes, not mortgage principal.

      ——-

      ?

      It sounds like you have an adjustable rate mortgage. If so, it is the national interest rate that is driving that up.

      Your increased property value doesn’t drive up your mortgage. That is fixed.

      • chuckleslord@lemmy.world
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        1 year ago

        No, that doesn’t mean that. They likely pay their property taxes through their mortgage via escrow. Since it all comes from the same payment, that means their mortgage payment rose, even if it wasn’t tied to the actual mortgage.

      • Saneless@lemmy.world
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        1 year ago

        Property value in most places absolutely sets your taxes, which is part of your monthly mortgage payment

        So yes, the principal+interest doesn’t change but when most people talk about their monthly mortgage they talk about the total amount they pay to live in their house that they’re making payments on

    • AdolfSchmitler@lemmy.world
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      1 year ago

      Are you in the U.S.? We have 30 year fixed mortgages here your monthly payment shouldn’t be going up. Or did you mean property taxes?

      • Hoomod@lemmy.world
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        1 year ago

        Many mortgages just have the property taxes rolled into them

        So it’s probably property taxes, but it’s showing up on the mortgage payment