[fusion_builder_container background_color=”” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”40″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”2_5″ last=”no” spacing=”yes” center_content=”yes” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”center center” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_imageframe lightbox=”no” gallery_id=”” lightbox_image=”” style_type=”none” hover_type=”none” bordercolor=”” bordersize=”0px” borderradius=”0″ stylecolor=”” align=”center” link=”” linktarget=”_self” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” hide_on_mobile=”no” class=”” id=””] [/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”3_5″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”2″ content_align=”left” style_type=”none” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]Lecture – Mortgages in Israel[/fusion_title][fusion_separator style_type=”none” top_margin=”10px” bottom_margin=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][fusion_text]Getting a mortgage in Israel is very different than in other countries. Aside from the obvious language difference, Israeli mortgages are complex, take much longer to complete and are offered in a variety of options.

For a start, an Israeli mortgage can be fixed or variable – linked to the shekel, to a foreign currency, or to nothing at all; or it can come with a limited grace period, a full grace period, and many other options.

Israeli mortgage brokers are in fact not brokers – they’re consultants. The banks have exclusive and full authority over credit decisions, and mortgage consultants just help the clients get better mortgages.

Who is the lecture suited for?

[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”#ffffff” background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” top_margin=”15px” bottom_margin=”” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_title size=”2″ content_align=”center” style_type=”none” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]

In the lecture:

[/fusion_title][fusion_separator style_type=”shadow” top_margin=”15px” bottom_margin=”40px” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”70%” alignment=”center” class=”” id=””/][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_content_boxes settings_lvl=”parent” layout=”icon-with-title” columns=”5″ icon_align=”left” title_size=”” title_color=”” body_color=”” backgroundcolor=”” icon_circle=”” icon_circle_radius=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” icon_size=”” icon_hover_type=”fade” hover_accent_color=”” link_type=”” link_area=”” link_target=”” animation_delay=”” animation_offset=”” animation_type=”0″ animation_direction=”left” animation_speed=”0.1″ margin_top=”” margin_bottom=”” class=”” id=””][fusion_content_box title=”The process of taking a mortgage ” icon=”fa-check” backgroundcolor=”” iconcolor=”” circlecolor=”#4684a9″ circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]An overview of the process, including an estimated timetable and expected costs. (You didn’t assume the bank would be content with just earning from interest rates, right?)[/fusion_content_box][fusion_content_box title=”Pre-approval” icon=”fa-check” backgroundcolor=”” iconcolor=”” circlecolor=”#4684a9″ circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]Why the failure to get pre-approval may be the biggest mistake you have ever made.
– How to prepare for pre-approval.
– The documents you have to present to the bank.[/fusion_content_box][fusion_content_box title=”Build a mortgage” icon=”fa-check” backgroundcolor=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]How to build a mortgage structure based on the borrower’s needs — income, risk, future changes, cash flow, etc.[/fusion_content_box][fusion_content_box title=”mortgage types” icon=”fa-check” backgroundcolor=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]The various mortgage types offered by Israeli mortgage banks: fixed/variable, linked/non linked, prime, foreign currency and more.[/fusion_content_box][fusion_content_box title=”Negotiating with the banks” icon=”fa-check” backgroundcolor=”” iconcolor=”” circlecolor=”” circlebordercolor=”” circlebordersize=”” outercirclebordercolor=”” outercirclebordersize=”” iconrotate=”” iconspin=”no” image=”” image_width=”35″ image_height=”35″ link=”” linktext=”” link_target=”_self” animation_type=”” animation_direction=”” animation_speed=””]How to negotiate with the bank to reduce interest rates. When is the right time to negotiate and when it should be avoided.[/fusion_content_box][/fusion_content_boxes][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”” margin_bottom=”” background_color=”rgba(255,255,255,0)” padding_right=”30px” padding_left=”30px” ][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”” background_image=”https://www.irec.co.il/wp-content/uploads/2016/06/504.jpg” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”center center” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”40px” padding_bottom=”40px” padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”yes” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_3″ last=”no” spacing=”yes” center_content=”yes” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_person name=”” title=”” picture=”https://www.irec.co.il/wp-content/uploads/2015/02/Beeri-round-profile-pic-300×300.png” pic_link=”” linktarget=”_self” pic_style=”none” hover_type=”none” background_color=”” content_alignment=”” pic_style_color=”” pic_bordersize=”” pic_bordercolor=”” pic_borderradius=”” icon_position=”” social_icon_boxed=”” social_icon_boxed_radius=”” social_icon_color_type=”” social_icon_colors=”” social_icon_boxed_colors=”” social_icon_tooltip=”” email=”” facebook=”” twitter=”” instagram=”” dribbble=”” google=”” linkedin=”” blogger=”” tumblr=”” reddit=”” yahoo=”” deviantart=”” vimeo=”” youtube=”” pinterest=”” rss=”” digg=”” flickr=”” forrst=”” myspace=”” skype=”” paypal=”” dropbox=”” soundcloud=”” vk=”” xing=”” show_custom=”no” class=”” id=””][/fusion_person][/fusion_builder_column][fusion_builder_column type=”2_3″ last=”yes” spacing=”yes” center_content=”yes” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”3″ content_align=”left” style_type=”none” sep_color=”” margin_top=”” margin_bottom=”” class=”” id=””]About the lecturer[/fusion_title][fusion_text]Be’eri Gurtler Har-Tuv graduated from Hebrew University summa cum laude in 2010 with a bachelor degree in economics and cognitive sciences. He remained at Hebrew University to complete his master’s degree in financial economics (Honors Program) in 2012.

During his bachelor studies Be’eri worked as a mortgage banker for Mizrahi-Tfahot where he learned the way mortgage banks operate, and how to use this knowlage to his clients’ benefit.

Since 2010 Be’eri is successfully  in real-estate around Israel and advising clients in all matters regarding real-estate.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” margin_top=”30px” margin_bottom=”100px” background_color=”rgba(255,255,255,0)” padding_right=”30px” padding_left=”30px” ][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”#4684a9″ background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”yes” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”3_4″ last=”no” spacing=”yes” center_content=”yes” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”solid” padding=”” margin_top=”” margin_bottom=”” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_title size=”2″ content_align=”left” style_type=”none” sep_color=”#ffffff” margin_top=”” margin_bottom=”” class=”” id=””]Interested in booking a lecture?[/fusion_title][/fusion_builder_column][fusion_builder_column type=”1_4″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_button link=”” color=”default” size=”xlarge” stretch=”” type=”” shape=”” target=”_self” title=”” gradient_colors=”|” gradient_hover_colors=”|” accent_color=”” accent_hover_color=”” bevel_color=”” border_width=”” icon=”” icon_position=”left” icon_divider=”no” modal=”book” animation_type=”0″ animation_direction=”left” animation_speed=”1″ animation_offset=”” alignment=”center” class=”” id=””]BOOK NOW![/fusion_button][/fusion_builder_column][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_modal name=”book” title=”Book a lecture” size=”large” background=”” border_color=”” show_footer=”yes” class=”” id=””][fusion_builder_row_inner][fusion_builder_column_inner type=”2_5″ last=”no” class=”” id=””]
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Be'eri Gurtler Har-Tuv profile picture
Be’eri Gurtler Har-Tuv, Owner

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[/fusion_builder_column_inner][/fusion_builder_row_inner][/fusion_modal][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container background_color=”#f5f5f5″ background_image=”” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ background_repeat=”no-repeat” background_position=”left top” video_url=”” video_aspect_ratio=”16:9″ video_webm=”” video_mp4=”” video_ogv=”” video_preview_image=”” overlay_color=”” overlay_opacity=”0.5″ video_mute=”yes” video_loop=”yes” fade=”no” border_size=”0px” border_color=”” border_style=”solid” padding_top=”20″ padding_bottom=”20″ padding_left=”” padding_right=”” hundred_percent=”no” equal_height_columns=”no” hide_on_mobile=”no” menu_anchor=”” class=”” id=””][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_separator style_type=”none” top_margin=”20px” bottom_margin=”20px” sep_color=”” border_size=”” icon=”” icon_circle=”” icon_circle_color=”” width=”” alignment=”center” class=”” id=””/][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”yes” overflow=”visible” padding_right=”30px” padding_left=”30px” ][fusion_builder_row][fusion_builder_column type=”1_1″ background_position=”left top” background_color=”” border_size=”” border_color=”” border_style=”solid” spacing=”yes” background_image=”” background_repeat=”no-repeat” padding=”” margin_top=”0px” margin_bottom=”0px” class=”” id=”” animation_type=”” animation_speed=”0.3″ animation_direction=”left” hide_on_mobile=”no” center_content=”no” min_height=”none”][fusion_title size=”2″ content_align=”left” style_type=”single solid” sep_color=”” margin_top=”” margin_bottom=”80PX” class=”” id=””]Related posts[/fusion_title][/fusion_builder_column][fusion_builder_column type=”1_1″ last=”yes” spacing=”yes” center_content=”no” hide_on_mobile=”no” background_color=”” background_image=”” background_repeat=”no-repeat” background_position=”left top” hover_type=”none” link=”” border_position=”all” border_size=”0px” border_color=”” border_style=”” padding=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”” animation_speed=”0.1″ animation_offset=”” class=”” id=””][fusion_recent_posts layout=”default” hover_type=”none” columns=”3″ number_posts=”3″ offset=”” cat_slug=”matching-wishes-and-constraints” exclude_cats=”” thumbnail=”yes” title=”yes” meta=”yes” excerpt=”yes” excerpt_length=”10″ strip_html=”yes” animation_type=”0″ animation_direction=”down” animation_speed=”0.1″ animation_offset=”” class=”” id=””][/fusion_recent_posts][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]