הבנק אישר לכם משכנתא נמוכה ממה שציפיתם? #עסק_או_ביש

How has the calculation always worked? It said: let's take an easy example. For example, you earn—forget about spouses, let's say, since they always combine spouses if there are two borrowers— let's say one person earns 10,000 NIS, that's their actual net, 10,000, and they have a 2,000 NIS loan. So the bank says: wait, how much does he have left? 8,000. Let's take 40%, which is 3,200. Right, 8 times 4 is 3,200. So that's what you have, that's your available income, 3,200 NIS. That's the mortgage you can take, with a payment not exceeding 3,200 NIS. That was until today. Now, they recently changed it, they changed it a bit to the customer's detriment, meaning—it lowers it further . Why? They changed the calculation method, where the calculation says the same thing: let's take 10,000 NIS, but now we don't do what we did before: minus 2,000. [ >> Unintelligible/Background noise] >> Exactly, now they take the 10,000 NIS— apropos what you said, you should write this down because it will help you calculate how they determine your disposable income—so from 10,000 NIS, we now take the 40%, which is 4,000, and now we subtract the 2,000, so how much does he have left? 2,000 available? So if in the previous calculation he had 3,200 available, in the new calculation , only 2,000 is available. "Objective Business," between promises and reality behind the scenes of the real estate world. Host: Yossi Fli. [End]