Executive Summary: Your Capital is Locked - Let Us Unlock It
The Reality: Most Israeli property owners are sitting on hundreds of thousands of shekels in equity - but cannot access it. Banks refuse them, conditions are restrictive, and the only options offered are consumer loans at 12-18% interest.
The Solution: A Home Equity Loan secured against your existing property - up to 70% LTV, 5-6% interest rates, available even with credit challenges.
The RealFix Advantage: We secure up to 70% LTV financing - while most banks and competitors limit to 50-60%. That means more money in your pocket from the same property.
Quick Navigation
1. What is a Home Equity Loan?
Imagine sitting on a safe with a million shekels inside - but it is locked. This is exactly the situation for most property owners in Israel. They have an asset worth real money, but cannot access that value without selling.
The Problem
- Your capital is trapped in the walls
- Banks offer consumer loans at 12%+
- Credit challenges mean automatic rejection
- Selling = losing an income-generating asset
The Solution
- Loan secured against your existing property
- Low interest: 5-6% only
- Available even with credit challenges
- Property stays yours, money in your pocket
Bottom Line: A Home Equity Loan allows you to extract money from your property without selling it. The property serves as collateral, which is why the lender offers significantly lower interest rates than unsecured loans.
2. Why 70% LTV is a Game Changer
LTV (Loan-to-Value) is the ratio between the loan amount and the property value. RealFix secures up to 70% - while most banks and competitors stop at 50-60%.
What is the Difference in Numbers?
| Property Value | 50% (Competitors) | 60% (Banks) | 70% (RealFix) |
|---|---|---|---|
| ₪1,500,000 | ₪750,000 | ₪900,000 | ₪1,050,000 |
| ₪2,000,000 | ₪1,000,000 | ₪1,200,000 | ₪1,400,000 |
| ₪3,000,000 | ₪1,500,000 | ₪1,800,000 | ₪2,100,000 |
| The Difference (on ₪2M) | -₪400,000 | -₪200,000 | Maximum |
On a ₪2 million property, you receive ₪400,000 more than competitors limiting to 50%
Want to know how much capital you can release from your property?
3. How You Can Use the Funds (Any Purpose!)
The name says it all: any purpose. The funds go directly to your account, and you decide how to use them. Here are the most common applications:
Renovation & Property Enhancement
Complete renovation that increases property value by 20-30%
Example: The Cohen family invested ₪400K in renovation, property value increased from ₪1.8M to ₪2.4M
Investment Property Acquisition
Leverage existing equity to purchase income-generating assets
Example: ₪700K loan → Batumi apartment purchase → 10% annual yield
Education Financing
Children's degrees, professional courses, human capital investment
Example: ₪200K loan for medical school → lifetime return on investment
Debt Restructuring
Close expensive loans, credit lines, and credit card debt
Example: Consolidating 5 loans at 18% → Single loan at 5.5% = ₪4,000/month savings
Business Capital
Startup capital or existing business expansion
Example: ₪500K loan to open second location → doubled revenue
Emergency Reserve
Liquidity for emergencies, maintaining financial stability
Example: ₪300K credit line available for any situation - pay interest only on what you use
4. Interest Rate Comparison: How Much Do You Really Save?
A ₪500,000 loan over 15 years - the difference between options is dramatic:
| Loan Type | Interest | Monthly Payment | Total Cost |
|---|---|---|---|
| Home Equity Loan (RealFix) | 5.5% | ₪4,080 | ₪734,400 |
| Consumer Loan (Bank) | 12% | ₪6,000 | ₪1,080,000 |
| Non-Bank Loan | 18% | ₪8,030 | ₪1,445,400 |
| Your Savings (vs Consumer Loan) | - | ₪1,920/month | ₪345,600! |
₪345,600 Savings on a Half Million Loan
This is money that stays in your pocket instead of going to the bank
5. How the Process Works (5 Simple Steps)
Initial Contact + Pre-Underwriting
24-48 hoursYou contact us, we check initial eligibility based on your data. Principal approval within 48 hours.
Document Collection & Appraisal
1 weekSalary slips, Land Registry extract (Tabu), balance confirmations. Additionally, a certified appraiser evaluates the property.
File Preparation & Submission
1 weekWe build a complete file and submit to the bank/lender that best matches your profile.
Approval & Final Terms
1-2 weeksThe lender reviews and approves. We negotiate the best possible terms on your behalf.
Signing & Fund Transfer
1 weekSign documents, register the lien, and the funds arrive in your account.
Total Time End-to-End: 3-6 weeks (depending on case complexity)
Own Property? Let Us Check How Much Capital You Can Release
Within 48 hours you will receive a principal answer - how much money, at what interest rate, and under what terms
6. Case Study: The Avrahami Family from Petah Tikva
The Situation
The Avrahami family, owners of an apartment in Petah Tikva (value ₪2.2 million, no existing mortgage). They wanted ₪700,000 for home renovation and children's education financing.
The Problem: Bank Rejection
Despite owning their property mortgage-free, the bank refused a Home Equity Loan due to negative BDI (an old debt cleared 3 years ago). They offered a consumer loan at 14% - monthly payment of ₪9,800.
The RealFix Solution
- Pre-Underwriting: Confirmed approval despite BDI issues
- Appraisal: Property valued at ₪2.2 million
- Home Equity Loan: ₪700,000 (32% LTV - well under 70%)
- Interest Rate: 5.2% (instead of 14%!)
The Result:
Frequently Asked Questions About Home Equity Loans
Everything you need to know before releasing capital from your property
A Home Equity Loan is a loan secured against real estate property you already own. The bank places a lien (mortgage) on your property and provides you with a loan based on its value. The advantage: significantly lower interest rates than consumer or unsecured loans (typically 5-6% vs 12-18%), and you can use the funds for any purpose - renovations, education, investments, debt consolidation, or any other financial need.
Summary: Your Money - Time to Release It
- Up to 70% LTV - more than most banks and competitors
- 5-6% Interest - save thousands compared to consumer loans
- Even with Credit Challenges - we find solutions others cannot
- 98% Approval Rate - thanks to precise Pre-Underwriting
When the bank says "no" - that is when we start working. RealFix | 26 Years of Excellence | ₪2.5B in Originated Credit | 98% Success Rate
Ready to Release the Capital Locked in Your Property?
We will check your eligibility, build a winning file, and accompany you until the funds are in your account. Success-based fee only - no hidden bank commissions.
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Legal Disclaimer
The information and simulations presented on this website are for illustrative purposes only and do not constitute a binding offer for credit or financial advice. Credit Approval: Subject to final underwriting, clean credit data (positive credit score), clean banking history, and meeting the threshold requirements of the financing institutions. Interest Rates: The interest rates displayed are estimates only, based on average market data, and may change at any time according to the client's individual risk profile and economic conditions (Bank of Israel interest rate changes / CPI). No Commitment: RealFix does not guarantee loan approval or the terms displayed in the calculator. E&OE.
