R
טוען...
RealFix Finance
26 Years Experience
$700M in Credit
7,000+ Clients
98% Success Rate
Article 3 of 3 | The Hunt Triangle
The Secret Arsenal:
Institutional Weapons for Victory
Most investors make a critical mistake: they "break their savings". They cash out their education fund, pay penalties, and lose seniority. The First Rule: Never kill an asset that's working for you.
Why Use Institutional Money? (The Arbitrage Math)
Institutional bodies (insurance companies and investment houses) hold your money. They're willing to lend against it at terms banks can't match. Why is this profitable?
The Cheapest Interest in the Market
As of 2026, you can get loans of up to 80% of the fund (in liquid tracks) at attractive rates of Prime minus 0.5% to Prime plus 1%. That's nearly free money in real terms.
Double Compound Interest
Here's the real trick: Your money stays in the fund accruing returns (tax-free in Keren Hishtalmut). Meanwhile, the loan money buys a property that also generates returns. The money works in two places simultaneously!
How to Bypass Bank of Israel Restrictions? (The Regulatory Loophole)
Bank of Israel limits investment property mortgages to 50% LTV.This is the main entry barrier for investors. Here's where "financial engineering" comes in:
When we raise money for you from your Keren Hishtalmut or savings policy, that money enters your bank account. From the bank's perspective, this counts as "equity" (Money from Home) for all intents and purposes.
Example: An investor with $55,000 in Keren Hishtalmut can take a $44,000 loan, combine it with existing capital, and make a purchase that would otherwise be impossible – all without creating a tax event or impacting the fund's liquidity.
Not Just Real Estate: Portfolio Margin Lending
For experienced investors with a tradable securities portfolio, we offer the "heavy weapon": portfolio margin. Investment houses allow credit against your portfolio.
Important Risk Warning
- •Margin Call: If the portfolio drops below a certain level, you'll need to inject cash or sell at a loss.
- •Amplified losses: Leverage increases losses, not just gains.
- •Volatility: In volatile markets, forced selling may occur.
Suitable only for experienced investors with capacity to absorb significant losses.
With careful risk management, this tool enables immediate liquidity to seize fast business opportunities, without selling stocks at a loss or at the wrong time.
Activating the Hunt Model - Four Stages
Here's how we at The Financial Elite Unit deploy your arsenal:
1
Intelligence - Arsenal Scan
Scanning all your financial assets: Keren Hishtalmut, investment pension, savings policies, and deposits. Mapping liquid amounts and calculating raising potential.
2
The Breach - Weapon Selection
Identifying the optimal leverage source: Which institution offers the best rate?Comparing Keren Hishtalmut, policy, or a combination of both.
3
The Takeover - Execution
Submitting the loan application, transferring funds to your account, and executing the purchase. Within 48-72 hours the money is yours.Budapest orGeorgiaawait.
4
Fortification - Ongoing Management
Tracking loan repayment, ensuring property cash flow covers payments, and adjusting strategy according to market or interest rate changes.
Our Command: Don't Leave Money Dormant
Money sitting in a bank or solid fund without use is "Dead Capital".
At RealFix, we scan all your financial assets – Keren Hishtalmut, investment pension, savings policies, and deposits – and build a strategy that turns them into live ammunition for your next property acquisition.
Calculate How Much You Can RaiseFAQ: Loans from Funds & Policies
Legal Disclaimer
The data and returns presented are for illustrative purposes only and are based on past performance or market estimates. This information should not be considered as a guarantee of returns, investment advice, or a substitute for individual tax advice. Real estate investment involves risks, including regulatory changes, currency fluctuations, changes in property condition, and local market conditions. RealFix does not guarantee the displayed returns and is not responsible for losses resulting from investment. It is recommended to consult with a Certified Public Accountant and tax consultant before making investment decisions. E&OE.
Have Hidden Ammunition?
Most of our clients are surprised to discover how much liquid money they can raise within 48 hours, without cashing out savings plans. Our team will map your pension portfolio and raise your "secret loan."