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RealFix Finance
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RealFix Finance
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The quiet revolution in Israeli mortgages. Why Harel, Clal, and Menora are approving loans that banks decline - often with better rates.
| Criteria | Traditional Banks | Insurance Companies |
|---|---|---|
| BDI Requirement | Strict - Must be clean | Flexible - Case by case |
| Approval Time | 4-8 weeks | 2-4 weeks |
| Self-Employed | 3 years financials required | 1-2 years often sufficient |
| Age Limits | Loan must end by 75-80 | More flexible for seniors |
| Interest Rates | Competitive | Often better for complex cases |
| Documentation | Extensive requirements | Streamlined process |
Self-Employed
Less documentation required, flexible income verification
Bank-Declined
BDI issues don't automatically disqualify you
Equity Release Seekers
Property-backed loans with competitive rates
Senior Borrowers (60+)
More flexible age limits and products
RealFix compares all banks AND insurance companies to find your best option
Insurance Company Mortgages
The main players are Harel, Clal Insurance, Menora Mivtachim, and Phoenix. They offer both standard mortgages and specialized products like equity release and non-bank solutions for those declined by traditional banks.
The information and simulations presented on this website are for illustrative purposes only and do not constitute a binding offer for credit or financial advice. Credit Approval: Subject to final underwriting, clean credit data (positive credit score), clean banking history, and meeting the threshold requirements of the financing institutions. Interest Rates: The interest rates displayed are estimates only, based on average market data, and may change at any time according to the client's individual risk profile and economic conditions (Bank of Israel interest rate changes / CPI). No Commitment: RealFix does not guarantee loan approval or the terms displayed in the calculator. E&OE.