!כן אני רוצה דירה משלי | Oded Aharoni

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Israeli Coin

:שיחת יעוץ ללא עלות

איך להגשים את חלום הדירה משלך בתקופה שבה הריבית מזנקת, בעזרת שיטת ״משכנתה עוקפת ריבית״

מיהם הישראלים ש"קופצים" על המשכנתא בזמן שכל החברים שלהם קופאים מפחד בגלל הזינוק בריבית ואיך הם הצליחו "לפצח" את השיטה ולהפסיק לזרוק כסף על שכר דירה?

אז איך אפשר להגשים את חלום הדירה משלך גם בתקופה סוערת שבה הריבית לא מפסיקה לעלות ומה

הבנקים לא מגלים לנו?

:לקוחה משתפת

"שמע עודד הצלת אותי. כל החברים שלי שלקחו משכנתא לפני כשנתיים מיואשים בכל חודש מחדש כשהם מסתכלים על הזינוק של הריבית ומבינים שאין להם מאיפה להביא עוד 500–700 ש"ח בחודש. רק בזכות העצה שלך לשלם קצת יותר ו'לנעול' את הריבית לתקופה ארוכה, אני ישן בשקט".
את הדברים האלו אמר לי דימה, תושב כרמיאל שהתלבט איך להשיג ביטחון מירבי במשכנתא מבלי להיות חשוף "להפתעות" כמו החזרים שרק הולכים וגדלים.

הבעיה הגדולה: אפקט "הריבית מכה שנית" – הריבית מזנקת וחלום הדירה מתרחק

נכון לכתיבת שורות אלו היו 8 העלאות רצופות של שער הריבית (!) והמשמעות הכואבת לכיס היא שההחזר החודשי גדל בכ-900 ש"ח בממוצע בחודש, כלומר יותר מ10,800 ש"ח בממוצע בשנה. אבל מי יכול להרשות לעצמו להוציא סכום כל כך גדול שנופל עלנו במפתיע? ל57% מהישראלים אין רזרבות כאלו, והתוצאה מייאשת מאוד: חייבים לחתוך בהוצאות במקומות הכי כואבים.

!כן אני רוצה דירה משלי

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