Ido Oz advises those denied a mortgage: These are the steps you should take

February 19, 2023   

עידו עוז, הבעלים של חברת חכם משכנתאות, מסביר כי בימינו עוד ועוד אנשים מתקשים לקבל אישור להלוואת משכנתא לצורך קניית דירה. הבנקים מסרבים ללא מעט לקוחות מכל מיני סיבות, אך בעזרת כמה פעולות פשוטות תוכלו לשפר את הסיכוי שלכם לקבל משכנתא בתנאים נוחים ומתאימים לכם. במאמר שלפניכם תוכלו לקרוא על אודות מסורבי משכנתא ופירוט הצעדים שהם יכולים לעשות כדי לקבל אישור למשכנתא.

Who are mortgage refusers?

Mortgage refusers are people whose request for a mortgage was denied by the bank for various reasons, such as low monthly income, problematic behavior with the bank, negative credit history, or the imposition of restrictions on the intended property. Ido Oz Clarifies that banks have the legal right to examine each mortgage application on its merits, and to refuse to grant a mortgage to applications that do not meet predetermined criteria, so it is worth using mortgage consulting services to know what your budget is and what steps you can take to increase the chance of your mortgage application being approved.

The options available to mortgage refusers

Improving credit score Ido Oz explains that you can work on improving your credit score by paying off debts, appealing errors on your credit report, and avoiding new credit applications, such as applying for a new loan or credit card, in order to increase your chances of getting approved for a mortgage loan. You can also improve your credit score by completing regular payments on time and keeping credit accounts open and in good standing. Higher down payment Ido Oz advises offering as high a down payment as possible, as a larger down payment may lower your monthly mortgage payments and reduce the size of your mortgage loan, thus increasing the chances that the lender will approve your mortgage application. Additionally, a higher down payment can also lower your interest costs, which is an additional advantage when applying for a mortgage loan. Search for additional companions Ido Oz recommends considering other lenders, such as other banks or non-bank entities, which can offer you a mortgage on more favorable and flexible terms. If one bank refuses your request, contact other banks and check out additional options with them. It is worth checking out as many banks as possible in order to create competition between them, because their main interest is that you choose them and take out a loan from them. In addition, non-bank entities such as credit companies can also offer mortgages on easier terms and in a faster and easier way than banks, and it is also worth checking out their offers.

Seeking advice

A mortgage consulting company or private advisor can help you examine all the options available to you, assist in negotiations with the various banks, and offer you the best and most profitable deal. Ido Oz points out Because mortgage experts have the knowledge and experience to give you the best offer, based on your financial capabilities. A good mortgage advisor can help you build a budget, negotiate with banks, and choose the best mortgage path for you.

In conclusion

אנשים שקיבלו סירוב לבקשת משכנתא עלולים לחוש ייאוש ומועקה, אך חשוב להבין שדחייה היא לא סוף הדרך. עידו עוז מבהיר כי יש כמה צעדים שיכולים להגדיל את הסיכויים לקבלת אישור משכנתא בעתיד, כמו שיפור ציון האשראי, הצעת מקדמה גבוהה יותר, חיפוש מלווים נוספים או היעזרות בייעוץ מקצועי. אם קיבלתם סירוב, מומלץ לבדוק את הסיבות לדחייה ולטפל בכל בעיה לפני הגשת בקשה חוזרת. בעזרת התמדה, מוטיבציה ומאמץ, תוכלו בסופו של דבר להגשים את החלום שלכם לקניית דירה.