מת"ן משכנתאות היא זכיינית בלעדית לייעוץ משכנתא לעובדי החברות המובילות במשק:

A Mortgage for Buying a Car or Motorcycle

 

The car market, whether it be a new or used car, has always had special appeal in the eyes of the Israeli consumer. Almost every household in Israel either owns a car or wants to own a car, and sometimes even two.

In recent years, and particularly lately, the Israeli car market is going through an impressive boom not formerly seen. The reason for this change is unclear. Is it the ever-rising standard of living? The more favorable purchase taxes? Or maybe simply our regained self-confidence after many years of recession? Or the changes in the market caused by the increasing supply, as a result of the activity of leasing and rental companies?

However, there is one thing about which everyone agrees: the financing options currently offered to the Israeli consumer are more accessible than ever before, and this has definitely contributed to the above “boom”. Only very few can allocate tens or even hundreds of thousands of NIS out of their ongoing budget for the purpose of buying a car as a one-time expense, without utilizing some kind of financing program. And even if they can, why use one’s equity if one is offered a diversity of ways and methods for obtaining convenient, inexpensive credit?

One of those ways is taking a mortgage loan through a mortgage bank or insurance company in exchange for mortgaging a real estate property. Competition has not bypassed this type of mortgage loans, and as a result you can benefit from a wide variety of programs, with lower interests and better terms compared to other credit alternatives.

The option to defer payments, the fact that every mortgage is tailored to each specific customer, the opportunity to procure the entire amount required for the purchase, and the willingness of each and every bank to provide us with a loan so we can purchase the car we desire (allowing us to conduct a wide market survey and select the most worthwhile offer), definitely ensure we can find the optimum financing program to match our needs and budget.

Bear in mind that this one-time expense is not a part of the family or business’s ongoing expenses. By converting it into a mortgage, which will be paid up in the course of many years according to the family or business’s specific needs, you can match your outgoing monthly cash flow to your total income.

Buying a car through the use of a mortgage is easier and more convenient than ever, whether the car you are buying is new or used.

 
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