When we considered fixed rate mortgages we also looked into even longer term loans that spanned 30 years as well . Still , having a mortgage close to retirement was not what we were looking for , so we decided to try for a loan with a 15 year fixed mortgage . We felt that there was a great deal of emphasis on paying the mortgage off early . After taking everything into consideration we decided on a 30 year loan instead .

Question: Why am I scared of the 30 years mortage ?
Answer: I want to pay the full price in a year .None of the above choices .I do n't want to retire with a loan .I will move out after 10 years .