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חיפוש

משכנתא מותאמת אישית

SNIR - שניר
1 בינו׳ 2020
זמן קריאה 1 דקות

עודכן: 2 בינו׳ 2020

בבנקים ישנן מחלקות המתמחות בתחום המשכנתאות והיועצים העובדים במחלקות הללו מתמחים בהתאמת מסלול המשכנתא לכל דורש. סוגי המסלולים נבדלים האחד מהשני במשך ההלוואה, גובה הריבית, סוג ההצמדה ועוד. ההצמדה היא סעיף חשוב לא פחות שכן היא שתקבע את העלות הסופית המתווספת לקרן שקיבלתם. פירושה הצמדת הריבית למדד מסוים, לדולר או לריבית הפריים. הפריים היא הריבית הבסיסית הנקבעת על ידי הבנקים והיא נקבעת לרוב כנגזרת לריבית שנקבעה כבר על ידי הבנק המרכזי. בנוסף, ייתכן כי אחת למספר שנים תשתנה ההצמדה. את השינויים הללו תוכלו לראות באמצעות לוח הסילוקין, מעין טבלה המציגה את שלבי ההחזר השונים של ההלוואה. כל זה עשוי להישמע מסובך, אך בדיוק בשביל זה נמצאים עבורכם בנקאי המשכנתאות.

פוסטים אחרונים

הצג הכול

5 מאפיינים לתכנון דירות בעשור הבא

5 מאפיינים לתכנון דירות בעשור הבא

מהו "המחיר למשתכן" כל מה שרציתם לדעת ולא העזתם לשאול

מהו "המחיר למשתכן" כל מה שרציתם לדעת ולא העזתם לשאול

חמישה טיפים בעיצוב פנים

חמישה טיפים בעיצוב פנים

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