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RealFix Finance
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RealFix Finance
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You won ₪500,000-₪1,000,000 in savings through Mechir Lamishtaken. But the bank declined your mortgage due to BDI. Don't let the deal of a lifetime slip away.
₪500K+
Your Discount
Below market price
60-90
Days to Close
Time is critical
Once
In a Lifetime
Can't win again for 10 years
Harel, Clal, Menora, and Phoenix can approve mortgages that banks decline. They have different criteria and are often more flexible on BDI issues.
Timeline: 2-4 weeks for approval
A parent or sibling with clean BDI can co-sign. They don't need to live in the apartment - just have good credit. This often unlocks bank approval.
Timeline: Same as regular mortgage
Get non-bank financing now at slightly higher rates. Use the 2-3 years to clean up BDI, then refinance with a bank at better rates.
Extra cost vs discount saved: Negligible
If parents can help with an extra 10-15% down payment, the lower LTV often makes approval possible even with BDI issues.
Talk to family - the math makes sense
Your Savings:
Extra Cost of Non-Bank (3 years):
Even with higher interest, you're still ahead by nearly half a million shekels.
Every day you wait is a day closer to losing your spot. Call now.
Mechir Lamishtaken + BDI
It's an Israeli government program offering apartments at 20-30% below market price to eligible first-time homebuyers. Winners are selected by lottery. The discount can be worth ₪500,000-₪1,000,000 depending on location.
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.