Whenever I hear phrase “more affordable”, I put my hand on my wallet because attempt to empty it will begin any moment. Almost never is that phrase used in relation to total cost of financing. It is always used in reference to size of monthly payment, as in this example.

Let’s see what it really means. I did math. A mortgage for a $100,000 home at 6% for 30 years would have a monthly payment of about $600 for principal and interest. You would pay about $216,000 over life of loan of which $116,000 would be interest..

A mortgage on that same home for 40 years would be at 6.25%, with a monthly payment of $565. The payments over life of loan would total about $271,200 and $171,200 of total would be interest.

U.S. Securities and Exchange Commission (SEC) regulatory compliance requirements are directly related to costs of taking any private company public and being a public company in United States.

For U.S. Domestic companies, attorneys and accountants must put their careers and firms at risk in doing a SEC filing for any company. They will charge their clients in accordance with that risk. Because Non-US company filling requirements don't require an attorney to accept responsibility for content of a SEC filing and because accountants aren't required to use GAAP and thus aren't as liable should there be errors in audit, costs of professional services are far lower.

The annual filings for a US Domestic Company are more numerous and require attorney and accountant liability for content of SEC documents. For these reasons you can take public and maintain registration for a Non-US company for about one-tenth costs of taking public and maintaining registration of a US Domestic Company.

US Domestic Companies Non-US Companies