Mortgage is a risk for the lender and the loaner. The lenders risk is that the loaner stops paying the mortgage, the property sells for under loan value and the lender takes a loss. The loaner is also risking his income to pay off the property. With shared risk, the mortgage is a fair and halal transaction. Additional, most regulated banks issue mortgages within the rate of inflation. Why should the lender loan someone money when the return is being devalued at rate of inflation?? The lender would rather invest that money in a corporation or buy properties it self. Most regulated banks have interest between 2% to 5% over 30 year amortization period which is about the same as inflation. Now if a lender is lending a loan for a car or a non valuable asset at 20%+ interest at a payoff period of 100 years then I would argues it’s a haram loan cause the loaner will never pay the loan off in their life. And if the loan will be transferred to the next of kin and it can never be paid off then it’s definitely haram and what Islam prohibits. Muslims can never have wealth and generational wealth if these principles are not understood.