R
טוען...
RealFix Finance
טוען...
RealFix Finance
Receive a complimentary initial consultation and discover your financial potential. Response guaranteed within 48 hours.
The Opportunity: Interest rates have changed significantly. If you took your mortgage 3+ years ago, you could be overpaying. Refinancing (מיחזור משכנתא) can save you tens of thousands of shekels over the life of your loan.
Banks charge a fee for paying off your mortgage early. For Prime tracks: usually minimal or zero. For Fixed tracks (קל"צ): can be up to 3% of remaining balance or interest rate differential - whichever is higher.
Calculate how many months of savings you need to cover refinancing costs (appraisal, legal fees, penalties). If break-even is under 24 months, refinancing usually makes sense.
Balance: ₪1,000,000
Average Rate: 4.5%
Monthly Payment: ₪5,067
Years Remaining: 20
Balance: ₪1,000,000
New Rate: 3.8%
Monthly Payment: ₪4,823
Years Remaining: 20
Monthly Savings
₪244/month
= ₪58,560 over 20 years
Compare your current mortgage to today's rates
We will analyze your current mortgage and show you exactly how much you could save. No obligation, full English support.