Mortgage refinancing is the act of repaying one loan by taking out another loan with better terms. Sometimes, by refinancing a mortgage, it's possible to save tens or hundreds of thousands of shekels. To get an estimate of the feasibility of refinancing a mortgage, you need to get from the bank Mortgage Balance Report. Please note that the test requires the full report, examples of which can be seen by bank and production instructions. Here Once you have the report in PDF format, you can fill in the details below and upload the report for review. The cost of the review is 300 NIS per loan with up to 5 tracks. A full price list can be found Here After filling in the details below, you will be directed to the payment page.Frequently Asked QuestionsAre past customers eligible for a free inspection? Yes. Clients who have undergone mortgage consultation or financial consultation with me do not have to pay for the check. You do not need to pay on the next page.How do you decide which options to present to me when reviewing mortgage refinancing? At this stage, I don't know anything about you yet. You may be able to take on a higher risk (in return for a higher savings potential) than you originally took. You may need to reduce risks because even originally you took too risky a loan. Do you have an amount of money coming soon, etc.? Therefore, I will not change the original mix (unless there is something glaringly wrong with it) but will keep the same mix and check the current market interest rates as I see them in the market compared to the interest rates on your current mortgage tracks. Based on this assumption, the savings estimate is performed.I see a discounting fee (early repayment penalty) of NIS 50,000 on the balance report. Is there a chance that refinancing will save me money despite this fee?Absolutely yes. In any case, the savings estimate is After Payment of the early redemption fee. That is, there can definitely be a situation where, despite paying a fee of 50,000 shekels, there will be a saving of an additional 70,000 shekels.How long does the recycling test take?Usually up to a week unless there's an unusual backlog. How long does it actually take to refinance a mortgageRefinancing a mortgage reduces bank profits. It's not an action they like to take, even when refinancing from one bank to another. The actual refinancing process can take about two months, and sometimes even longer. You need to be patient; it can definitely pay off big time in the end. LanguageHebrew Check for changes in an existing mortgageRecycling, early repayment, and everything elseThe first part of the check is uploading the mortgage balance report. In my experience, many times people send incorrect reports, and then the check cannot be performed. I have gathered examples of balance reports from all banks so that you can check that you have the correct report and do not waste time filling out the form with an incorrect report.Click here to view report samples Mortgage Balance Report PDF* function SvgDhtupload2(props) { return /* @__PURE__ */ react.createElement("svg", dhtupload_svg_extends({ width: 54, height: 47, xmlns: "http://www.w3.org/2000/svg" }, props), dhtupload_svg_path || (dhtupload_svg_path = /* @__PURE__ */ react.createElement("path", { d: "M40.213 10.172c1.897.21 3.68.738 5.35 1.58a15.748 15.748 0 0 1 4.374 3.242 15.065 15.065 0 0 1 2.951 4.533c.72 1.704 1.08 3.522 1.08 5.455 0 1.827-.28 3.654-.843 5.48-.562 1.828-1.379 3.47-2.45 4.929A13.39 13.39 0 0 1 46.669 39c-1.599.948-3.452 1.458-5.56 1.528H37.26a1.62 1.62 0 0 1-1.185-.5 1.62 1.62 0 0 1-.501-1.186c0-.457.167-.852.5-1.186.334-.334.73-.5 1.186-.5h3.848c1.44 0 2.75-.37 3.926-1.108a10.851 10.851 0 0 0 3.03-2.846 13.53 13.53 0 0 0 1.95-3.9 14.23 14.23 0 0 0 .686-4.321c0-1.582-.316-3.066-.949-4.454a11.623 11.623 0 0 0-2.582-3.636 12.857 12.857 0 0 0-3.742-2.478 11.054 11.054 0 0 0-4.48-.922l-1.212-.053-.37-1.159c-.878-2.81-2.292-4.998-4.242-6.562-1.95-1.563-4.594-2.345-7.932-2.345-2.108 0-4.005.36-5.692 1.08-1.686.72-3.136 1.722-4.348 3.005-1.212 1.282-2.143 2.81-2.793 4.585-.65 1.774-.975 3.68-.975 5.718h.053l.105 1.581-1.528.264c-1.863.316-3.444 1.317-4.744 3.004-1.3 1.686-1.95 3.584-1.95 5.692 0 2.39.8 4.462 2.398 6.219 1.599 1.757 3.488 2.635 5.666 2.635h4.849c.492 0 .896.167 1.212.5.316.335.474.73.474 1.187 0 .456-.158.852-.474 1.185-.316.334-.72.501-1.212.501h-4.849a10.08 10.08 0 0 1-4.374-.975 11.673 11.673 0 0 1-3.61-2.661 13.173 13.173 0 0 1-2.478-3.9A12.073 12.073 0 0 1 0 28.301c0-2.706.755-5.148 2.266-7.326 1.511-2.178 3.444-3.636 5.798-4.374.14-2.354.658-4.542 1.554-6.562.896-2.02 2.091-3.777 3.584-5.27 1.494-1.494 3.25-2.662 5.27-3.505C20.493.422 22.733 0 25.193 0c1.898 0 3.637.237 5.218.711 1.581.475 3.004 1.151 4.269 2.03a13.518 13.518 0 0 1 3.268 3.215 18.628 18.628 0 0 1 2.266 4.216Zm-11.964 13.44 6.22 6.85c.245.247.368.537.368.87 0 .334-.123.642-.369.923l-.421.263c-.211.246-.484.343-.817.29a1.544 1.544 0 0 1-.87-.448l-3.69-4.11v16.97c0 .492-.166.896-.5 1.212-.334.316-.729.474-1.186.474-.492 0-.896-.158-1.212-.474-.316-.316-.474-.72-.474-1.212V28.25l-3.584 4.005a1.544 1.544 0 0 1-.87.448.959.959 0 0 1-.87-.29l-.42-.264c-.247-.28-.37-.588-.37-.922 0-.334.123-.624.37-.87l6.113-6.746v-.052l.421-.422a.804.804 0 0 1 .396-.29c.158-.053.307-.079.448-.079.175 0 .333.026.474.079.14.053.281.15.422.29l.421.422v.052Z", fill: "none" }))); }Browse FilesDrag and drop files hereSelect filePDF file onlyCancelof Full name* First and Last Name Phone number* Email* example@example.com Total family income Net income from all sources What is the maximum payment you can afford per month? Estimated current apartment value You can roughly guess Is there an early repayment of part of the mortgage planned? If so, in what amount? Was the current mortgage taken out with advice from us?* YesNo Notes and anything you want to say It's better to write more than less. The clearer you write, the better answer you will receive.Well done. It's important to check your credit every one to two years (at least), just as you check your investments.You have completed what I need at this stage.After clicking the confirmation below, you will be directed to the payment page. If you took out your mortgage with my assistance, there is no need to pay.Sending and proceeding to payment for the testShould be empty:
Hello, It takes us a few days to perform the test and we will send you a savings estimate by email. Best wishes and good luck.Reply