מתלבט? זקוק לייעוץ?

ערוץ הוידאו שלנו

האם שמעת על חברה בנאמנות?

יש מגוון סיבות מדוע אדם צריך לרשום חברה באמצעות נאמנות.
אם גם לך יש סיבה או שהנך רוצה לברר מתי הדבר אפשרי הנך מוזמן לפנות ליועצים שלנו ב-E.M.Y. פתרונות פיננסיים.

Refused to mortgage?

 30% -25% of mortgage applications are rejected by the banks

 

Almost one out of three requests for mortgages are repossessed by Israeli banks.

This amazing figure was provided to us by the banking system this year and constitutes an important figure for understanding the mortgage market in Israel.


In the State of Israel 2015, we have witnessed in the past decade a real rise in prices of the housing market, which leads to an increase in the amount of mortgage applications submitted by mortgage banks.


In the past, it would take about 100 average salaries to buy an apartment, but today we need 200-300 salaries to get exactly the same apartment.


The mortgage market is supervised by the Supervisor of Banks and the Bank of Israel and has been subject to quite a few procedures in the last decade.


If, for example, we were able to get a higher percentage of financing in the past, whether by the bank or by an external company today, the chances of obtaining such financing for a mortgage are not possible.


Recently they spoke of a desire to pass a law in favor of high percentages of money, but citrus are only a desire and will probably not be realized anytime soon.


It can be said in the same breath that instead of taking care of and lowering the high housing prices, ideas are given on how to keep them high and create a market for slaves who will collapse under the burden of the mortgage in the coming years.


If you are also one of the mortgage refuseniks and that your request for a mortgage was rejected by the bank you can say that not all is lost.

Over the last 15 years I have handled many cases of people whose mortgage application has been rejected and yet I managed to fix the problem.


It must be said frankly that not everything can be arranged and that only after examining the material and the number of actions can we say with certainty whether and what can be done.


One of the popular things is the lack of enough income in a mortgage or black spots from a spouse's past.


If you are one of the mortgage refusers, please contact us and we will try to help.