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RealFix Finance
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In-depth guides on mortgages, international real estate investment, debt management, and family wealth strategies. Written by RealFix experts with 26 years of experience.
The Bank of Israel postponed the PTI calculation change for loans secured by property from July 1 to October 1, 2026. What actually changes, and how to use the time that's left.
The calculator shows you a number. RealFix shows you what's behind it — and why the difference can reach hundreds of thousands of shekels.
Complete guide to mortgage interest rates in Israel — pricing tracks, differences between banks and proven savings strategies
A 67-year-old senior with a ₪3 million apartment can get up to ₪900,000 with a reverse mortgage — but is it the right solution?
Two ways to invest in Georgia, hotel project Batumi, Marriott Hilton Ramada Georgia, how to invest in Georgia correctly, Georgia real estate mistakes. The exclusive model only RealFix offers.
Israelis are earning $400/m² profit on Georgian pre-sale contracts — no developer down payment, no Georgian mortgage, no property management. The exclusive model only RealFix offers.
A practical guide to buying foreign real estate safely: Due Diligence, proprietary protection, title registration, ongoing management. From market research to Exit Strategy.
Why do banks refuse profitable business owners? Comprehensive guide on income calculation, adjustments, depreciation, and solutions for mortgage refusal for self-employed and company owners.
Getting divorced and the bank is refusing? Learn how to transfer a mortgage to one spouse, handle divorce-related BDI damage, and use financial engineering to keep your home.
Own property? You have capital! Complete guide to leveraging existing assets: up to 70% financing, 5-6% interest, even for bank-declined clients. Renovation, investment, education - all in one approval.
You've worked your whole life, now let your property work for you. What is a reverse mortgage? How much can you get? What happens to inheritance? Complete guide for golden age.
Honest comparison: Israel apartment (8% purchase tax, 3% yield) vs Batumi luxury property (0% tax, 12% yield). The numbers don't lie.
Want to renovate but no budget? Complete comparison of all financing options. Save $800/month by choosing the right path.
Property prices breaking records and your children can't enter the market. But breaking your pension is an expensive mistake. Complete guide for parents.
Everyone offers 'all-purpose loans'. But did you know the difference between credit card loan and home equity loan can reach $27K in interest? RealFix breaks down the numbers.
The most comprehensive mortgage research ever written: all mortgage tracks (Prime, CPI-linked, eligibility), 2026-2027 interest forecasts, 10 historical tables, and 30 professional Q&As.
Everything new immigrants need to know about Israeli mortgages: eligibility, documentation, banks vs insurance companies, and how to get approved even with limited credit history.
2026 interest rate forecast is here. Discover how to perform smart mortgage refinancing, debt consolidation, and business credit using the Hunter methodology.
Negative BDI is not a death sentence. Comprehensive guide explaining what BDI is, why it affects your financial life, and how to fix it to get mortgage or credit approval.
Paying multiple loans monthly? Learn how to consolidate all debts into one mortgage with lower interest. Typical savings: $800-$1,500/month.
Complete guide to business credit in Israel: bank loans, state guarantees, non-bank options. How to get approved even with complex financial history.
How to manage family wealth across generations: living inheritance, property leverage for children, tax planning, and estate strategies.
Regular mortgage, co-borrower, living inheritance, or reverse mortgage? The complete guide to financing solutions for ages 60-80.
Banks declined? Your property can still work for you. Second lien mortgages, equity release, and debt consolidation that focus on property value - not credit score.
19% annual price growth. EU stability. Entry from €50K. Discover why Budapest is Europe's hottest property market for international investors.
The investment model changing the game: buy pre-construction with $700/month payments, exit with $10K+ profit before key handover. Zero interest, zero purchase tax.
Know your legal protections. Maximum interest rates, how to identify predatory lenders, and what to do if trapped in an illegal loan.
Why Harel, Clal, and Menora approve loans that banks decline - often with better rates. The non-bank mortgage guide.
From 0% purchase tax to the 18% VAT trap to capital gains exemptions. Complete tax guide for Israeli investors in Georgian property.
In the Open Banking era, lenders see your current financial behavior - not old credit scores. How to get approved despite bad BDI.
Build a 'credit bridge', optimize your data, and return to the banking system - even after negative BDI or insolvency.
When all doors close, social funds like Ogen offer 0% interest loans that rehabilitate your credit. A path back from the brink.
You won ₪500,000+ in savings through the government lottery. But the bank declined due to BDI. Don't let the deal of a lifetime slip away.
Our experts can help you find the right solution for your specific situation.