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{display: inline;float: right;margin: 5px 0 20px 20px;margin: 0.3125rem 0 1.25rem 1.25rem;}.wp-caption {max-width: 100%;}.wp-caption-text {font-size: 12px;font-size: 0.75rem;line-height: 1.4;color: #454545;margin-top: 5px;margin-top: 0.3125rem;display: block;}.alignnone .wp-caption-text, .aligncenter .wp-caption-text, .alignleft .wp-caption-text, .alignright .wp-caption-text {margin-bottom: 0;}.image-frame {-webkit-border-radius: 50%;-moz-border-radius: 50%;border-radius: 50%;overflow: hidden;}table {width: 100%;}table th {color: #fff;background: #2ecc71;padding: 10px;padding: 0.625rem;}table tr:nth-child(odd) {background-color: #eae9e8;}table tr:nth-child(even) {background-color: #fff;}table td {font-size: 12px;font-size: 0.75rem;border: 1px solid #eee;border-top: 0;text-align: center;vertical-align: middle;padding: 10px;padding: 0.625rem;}footer {color: #fff;font-size: 14px;font-size: 0.875rem;background: #343434;margin-top: 30px;}footer a {color: #fff;}.copyright-wrap {float: 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.commentlist h5, .commentlist h6 {margin-bottom: 20px;margin-bottom: 1.25rem;}.comment-text p, .comment-text blockquote {margin-bottom: 20px;margin-bottom: 1.25rem;}.comment-text blockquote p:last-child {margin: 0;}.comment-author, .comment-author a {color: #2ecc71;}.comment-text {overflow: hidden;}.comment-info {color: #2ecc71;margin: 20px 0px;margin: 1.25rem 0rem;}.comment-reply-link {font-weight: 700;text-transform: uppercase;}.comments-pagination {margin-bottom: 20px;margin-bottom: 1.25rem;}.no-comments {padding: 20px;border-top: 1px solid #eee;}#respond {background: #fff;}#respond .logged-in-as, #respond .comment-notes {font-size: 14px;font-size: 0.875rem;margin-bottom: 10px;margin-bottom: 0.625rem;}#commentform {padding: 6%;}.comment #commentform {padding: 0;}.comment-email, .comment-name, .comment-url, .comment-text-area, .comment-form-cookies-consent {margin-bottom: 30px;}#cancel-comment-reply-link {display: block;font-size: 14px;font-size: 0.875rem;font-weight: 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{font-size: 14px;font-size: 0.8725rem;color: #343434;text-transform: uppercase;padding-bottom: 20px;margin-bottom: 20px;border-bottom: 1px solid #eee;}.sb-widget .menu > .menu-item, .sb-widget .page_item a, .sb-widget .cat-item {display: block;padding: 5px 0px;padding: 0.375rem 0rem;border-top: 1px solid #eee;}.sb-widget .menu-item:first-child, .sb-widget .page_item:first-child a, .sb-widget .cat-item:first-child {border: 0;padding-top: 0;}.sb-widget .children .page_item a {padding: 5px 0;padding: 0.375rem 0rem;}.sb-widget .menu-item, .sb-widget .page_item a, .sb-widget .cat-item {line-height: 1.3;}#wp-calendar caption {text-align: left;padding: 10px;padding: 0.625rem;background: #f7f7f7;}#wp-calendar th, #wp-calendar td {padding: 5px 10px;padding: 0.3125rem 0.625rem;text-align: center;}#wp-calendar th {font-weight: 300;}#wp-calendar #prev {text-align: left;}.textwidget p {margin-top: 20px;}.textwidget p:first-child {margin-top: 0;}.textwidget ul {list-style: square;}.textwidget ol {list-style: decimal;}.textwidget ul, .textwidget ol {margin: 0 0 20px 20px;}.textwidget ul ul, .textwidget ol ol {margin: 0 0 0 20px;}.cp-widget .cp-item {padding-top: 15px;padding-top: 0.9375rem;margin-top: 15px;margin-top: 0.9375rem;border-top: 1px solid #ebebeb;}.cp-widget li:first-child {padding: 0;margin: 0;border: 0;}.cp-widget .cp-thumb {float: left;width: 70px;height: 70px;margin-right: 20px;margin-right: 1.25rem;}.cp-widget .cp-widget-title {font-size: 13px;font-size: 0.825rem;font-weight: 700;line-height: 1.3;text-transform: uppercase;}.cp-widget .meta {font-size: 11px;font-size: 0.6875rem;color: #aaa;text-transform: uppercase;}.cp-widget .cp-data {overflow: hidden;}@media screen and (max-width: 970px) {.mh-container {width: 728px;}#main-content {width: 458px;}#main-sidebar {width: 240px;}.js .slicknav_menu {display: block;}.js .main-nav {display: none;}.commentlist ul, .commentlist ol {margin: 0 0 30px 0;margin: 0 0 1.875rem 0;}.commentlist ul ul, .commentlist ol ol 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no-repeat;display: inline-table;height: 51px;width: 34px;vertical-align: middle;} מה זה משכנתא? מהי המילה המפחידה הזאת? | משכנתא.אורג.אייאל

מה זה משכנתא? מהי המילה המפחידה הזאת?

?מה זה משכנתאאז החלטתם לקנות דירה ואתם צריכים הלוואה ושמעתם על המושג הזה שנקרא משכנתא. אבל מה זה משכנתא?

לפני שנתחיל להסביר על תהליך הלקיחה של משכנתא ועל כל המושגים המסובכים נבהיר תחילה על המושג משכנתא עצמו.

 

    קבלת ייעוץ משכנתאות 😃:

    פרטיך נקלטו במערכת בהצלחה 👍.
    יועץ משכנתאות מומלץ
    ייצור עימך קשר עד 48 שעות הקרובות.

    מה זה משכנתא? מהי המילה המפחידה הזאת עם ששת האותיות מ.ש.כ.נ.ת.א? 

    במציאות של היום בארץ הקטנטונת שלנו שבו מחירי הדירות הם בשמים, כמעט בלתי אפשרי לקנות דירה מבלי לקחת הלוואה כדי לממן את קניית הדירה.

    כהגדרה, ברגע שלוקחים הלוואה ממש גדולה (או קטנה) כדי לקנות דירה, כאשר הדירה מהווה עירבון לכך שתחזירו את ההלוואה, אנו קוראים לסוג הלוואה זו משכנתא.

    כמה הערות:

    • את המשכנתא ניתן לקבל בבנקים המיועדים למשכנתאות. לא כל בנק יכול לתת משכנתא ויש הסדר ממשלתי איזה בנקים כן יכולים להעניק משכנתא ללווים.

    • הרעיון של המשכנתא הוא שהבנק נותן לכם לקחת הלוואה ממש גדולה בגלל שהוא דורש עירבון על הבית שלכם כך שאם לא תחזירו את ההלוואה אז הוא ייקח וימכור לכם את הבית כדי להחזיר לו את הכסף.

      מכיוון שהדירה שלכם כל כך חשובה לכם, שהרי אתם הולכים לחיות בה, אז הבנק "מרגיש" בנוח לתת לכם הלוואה גדולה אפילו בסדר גודל של מיליונים.

    • בשביל לקבל את המשכנתא, הבנק דורש מכם לעשות משכון על הדירה על ידי הודעה לממשלה שאתם עושים את המשכון.

      (הפירוש של המילה משכון היא קבלת הלוואה כלשהי שיש עליה ערובה על דבר יקר ערך כמו רכב, זהב, יהלומים וכו'. במקרה של משכנתא זהו דירה).

    • ההודעה הרשמית לממשלה מסמלת שאם במידה לא תחזירו את הכסף לבנק אז זה יוביל לתביעה משפטית. את ההודעה הזאת לממשלה, שנקראת רישום, עושים בטאבו, מנהל מקרקעי ישראל ורשם המשכונות.

    למשכנתא יש הרבה חוקים משלה

    החוקים נקבעים ע"י מחוקק המשכנתאות הראשי בארץ הלוא הוא בנק ישראל שאת החוקים שלו הבנקים למשכנתאות אסורים מלהפר אותם, וחלק מהחוקים נקבעים ע"י בנק המשכנתאות עצמו אליו אתם הולכים.

    בין החוקים הכי בולטים במשכנתא הם:

    • לא ניתן למכור את הדירה או להעביר בעלות או כל שינוי אחר בלי קבלת אישור מהבנק למשכנתאות.

    • יש לבוא עם סכום כסף מסוים מעלות הדירה (נקרא בשם הון עצמי התחלתי) לפני קבלת המשכנתא (ההלוואה על הדירה).

      נגיד הדירה הרצויה עולה 1.2 מיליון ₪ אז הבנק דורש מהלווה שיהיה ברשותו הון של בד"כ 25% מערך הדירה שזה 300,000 ₪.

    לסיכום

    אם לענות על השאלה מה זה משכנתא, אז משכנתא היא בסה"כ הלוואה שלוקחים אותה רק בעת רכישת דירה.

    יש הרבה תנאים וחוקים לקבלת משכנתא כפי שהוצג במעט בפוסט זה.

    את כל מה שצריך לדעת עד לקבלת המשכנתא ולחיות עם המשכנתא אפשר למצוא בפוסטים לאורך כל הבלוג.

     

      הירשמו לניוזלטר
      mashkanta.org.il

      .תודה על שנרשמתם למשכנתא.אורג.אייאל 😃.
      תתכוננו לקבל ניוזלטרים
      שיחסכו לכם כסף בעלויות המשכנתא.

      אין הערות. יהיו הראשונים לרשום תגובה!

      כתובת האימייל שלך לא תפורסם

        הירשמו לניוזלטר
        mashkanta.org.il

        .תודה על שנרשמתם למשכנתא.אורג.אייאל 😃.
        תתכוננו לקבל ניוזלטרים
        שיחסכו לכם כסף בעלויות המשכנתא.