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RealFix Finance
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RealFix Finance
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The Opportunity: In Israel, you can consolidate multiple high-interest debts (credit cards, personal loans, car loans) into a single mortgage with much lower interest rates. Using Directive 451, you can borrow up to 70% of your property value.
Many families in Israel struggle with multiple loans, each with different payment dates and interest rates. The cost of living is high, and it is easy to accumulate:
Interest: 12-24% per year
Interest: 8-15% per year
Interest: 10-18% per year
If you own property in Israel, you can use Directive 451 (Bank of Israel regulation) to borrow up to 70% of your property's value. This money pays off all your high-interest debts, replacing them with a single, low-interest mortgage.
Before: 5 different loans, ₪12,000/month
After: 1 mortgage, ₪4,000/month
Directive 451 (הוראה 451)
Bank of Israel regulation allowing property owners to borrow up to 70% of their property value for "any purpose" - including debt consolidation. This is the legal framework that makes consolidation possible.
LTV (Loan-to-Value)
The ratio of your loan to your property value. For consolidation under Directive 451, maximum is 70%. Example: Property worth ₪2M → Maximum loan ₪1.4M.
Use our debt consolidation calculator to see how much you could save monthly.
Note for Olim: Even if you are a new immigrant with limited Israeli credit history, consolidation may still be possible. Banks evaluate Olim differently - your employment contract, savings, and overall financial picture matter more than credit history length.
Free consultation in English. We will analyze your situation and show you exactly how much you could save.