The Cash Flow Ceiling
The Typical Situation
You are paying $2,500+ monthly on various loans. Your income is good, but after loan payments, utilities, and living expenses, there is nothing left. Every unexpected expense becomes a crisis. You are working hard but going nowhere.
Common Debt Portfolio:
The Debt Restructuring Solution
The Strategy
If you own property with equity, you can consolidate all high-interest debts into your mortgage at 4-5% interest instead of 9-18%. This dramatically reduces your monthly payment while extending the term - freeing up cash flow for living and saving.
After Restructuring:
The Numbers: Before vs. After
Before
- Monthly payments:$2,720
- Average interest rate:~11%
- Number of payments:5
- Cash flow stress:High
After
- Monthly payment:$1,580
- Interest rate:4.5%
- Number of payments:1
- Cash flow:Healthy
Annual Savings
$13,680
Money that stays in your pocket for living, saving, and investing
Israel Residents Only
The 70% LTV regulation and Israeli mortgage consolidation options described apply to Israeli citizens and permanent residents with properties in Israel. Have family in Israel who might benefit? Share this guide with them.
Ready to Reduce Your Monthly Payments?
Let us analyze your debt portfolio and show you exactly how much you could save through restructuring.
Request Free Debt AnalysisShare this article
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.
