Woman Offered Once-in-a-Lifetime Chance for a Mortgage Rate of Just 2%. Her Boyfriend Thinks She Shouldn’t Take It

Major financial decisions can strain even the healthiest relationships—especially when timing, goals, and expectations don’t quite match. One woman recently turned to Reddit to ask whether she would be wrong to move ahead with a home purchase her boyfriend doesn’t support.

In her post, the woman explained that she works at a bank that offers special housing loans to employees. These loans come with interest rates tied to performance and tenure, and she shared that she had been selected for a rare 2% loan available only for 2026. The catch: she must use it before the end of the year.

She added that the loan was awarded through a lottery system and that she had applied back in January 2025—before she even met her boyfriend. While she has savings, they wouldn’t fully cover a down payment, so her parents have agreed to help bridge the gap.

When she shared the news with her boyfriend, his reaction caught her off guard. She wrote that he was noticeably unenthusiastic and questioned when she had applied, also voicing concerns about taking on debt.

According to the woman, her boyfriend imagines them buying property together in the future, relying only on their own money. He prefers to remain as debt-free as possible until that time.

Despite his reservations, she felt the opportunity was too good to pass up. She pointed out that loan terms like this are extremely rare and that there’s no guarantee she would ever qualify for something similar again. With her parents’ help and the favorable timing, she felt everything was finally lining up.

Still uncertain, she asked Reddit users whether moving forward on her own would make her wrong. The response was overwhelmingly supportive.

One commenter told her she wasn’t in the wrong, noting that her boyfriend isn’t even her fiancé and that it was unreasonable for him to expect her to put her life on hold for a hypothetical future. Others echoed the sentiment, encouraging her to prioritize her long-term financial security.

Another commenter suggested the issue wasn’t really about debt at all, but about imbalance—arguing that he seemed uncomfortable with her gaining a major financial advantage that he didn’t share.

In a follow-up reflection, the woman acknowledged her boyfriend’s underlying fears. She said she suspected he was worried that owning a home might make her less willing to take out another loan or sell the property later on.

For many readers, however, the consensus was clear: major opportunities don’t wait, and financial independence—especially when thoughtfully planned—can be worth pursuing, even when it complicates a relationship.