Acquiring a mortgage is the most complicated of all phases of the purchase, but it is also the most straightforward. Mortgages are conducted on the basis of clear and fixed rules. Any change, even the smallest one may affect thousands and thousands of NIS. It is important to know that nobody will pay attention to your mortgage as you will. To the bank, a friend who helps you, or an outside consultant, a difference of 0.1% sounds negligible, but this negligible difference will greatly affect your bank account in the long run.