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RealFix Finance
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RealFix Finance
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Your Property = Your Capital: In Israel, if you own property, you can borrow against its value for any purpose - renovations, investments, helping children buy property, debt consolidation, or business needs. This is called "הלוואה לכל מטרה" (loan for any purpose).
In the US, you might know this as a HELOC (Home Equity Line of Credit) or second mortgage. In Israel, the concept is similar but the structure is different:
This is the Bank of Israel regulation that allows property owners to borrow against their equity:
Maximum LTV (total of all mortgages on property)
Purpose allowed (not restricted like purchase mortgages)
Maximum term (same as regular mortgage)
Fund major renovations at mortgage rates instead of personal loan rates (5% vs 15%+)
Parents can extract equity to help children with down payments
Replace high-interest debts with low mortgage rates
Fund business investments or buy additional properties
*Subject to PTI (Payment-to-Income) ratio approval. Your income must support the additional monthly payment.
See how much capital you can access from your property
Free assessment of how much equity you can access. We handle the entire process in English.