#932 משה פליגמן - אפשר להוציא 300,000 ₪ מהבית בלי למכור אותו: מה שהבנק לא מספר על מחזור משכנתא (חלק #2)

ליצירת קשר עם משה 👈 https://bit.ly/contactFligmanalhm
מוזמנים להצטרף לערוצים החדשים של משה 📲 https://fligman.co.il/contact/

בפרק זה של הפודקאסט "על המשמעות" עו"ד תמיר דורטל מארח את יועץ המשכנתאות משה פליגמן, לשיחה על אחד הדברים הכי חשובים שכל בעל משכנתא בישראל צריך להכיר: מחזור משכנתא.
הרבה אנשים חושבים שממחזרים משכנתא רק כשהריביות יורדות, אבל בפועל יש מצבים שבהם דווקא בתקופות של ריבית גבוהה אפשר לחסוך הרבה כסף, להוריד את ההחזר החודשי, לקצר שנים במשכנתא ואפילו לקבל סכום כסף נזיל בלי למכור את הבית.
דיברנו על איך אפשר להישאר עם אותו החזר חודשי ולקבל כסף להשקעה, למה אנשים משלמים לפעמים מאות אלפי שקלים מיותרים, מה ההבדל בין מסלולים צמודים ולא צמודים, איך עובד מחזור חלקי של משכנתא, מתי שווה למחזר ומתי עדיף לא לגעת במשכנתא בכלל.
בנוסף דיברנו על איך עליית ערך הנכס יכולה לעזור לקבל תנאים טובים יותר, מה הטעויות הכי יקרות שאנשים עושים, ולמה חשוב לבדוק יתרה לסילוק לפחות פעם בכמה שנים.
זוהי שיחה שנייה בסידרה - בשיתוף פליגמן משכנתאות.

אם יש לכם משכנתא, גם אם לקחתם יועץ וגם אם אתם בטוחים שקיבלתם תנאים טובים שווה לבדוק. לפעמים בדיקה פשוטה יכולה לחסוך סכומים של מאות אלפי שקלים.
לבדיקה בחינם של כדאיות מחזור המשכנתא ושליחת יתרה לסילוק פנו למשה בווטסאפ 👈 https://bit.ly/contactFligmanalhm

00:00:00 הטעות שתמיר עשה והאופציה לקבל מאות אלפי שקלים
00:02:07 למה משכנתא היא התיק עם פוטנציאל החיסכון הגדול ביותר
00:04:03 החיסרון בקיצור שנות המשכנתא על חשבון שוק ההון
00:06:24 האם כדאי למחזר כשריביות הבנק גבוהות?
00:09:48 סודות המשא ומתן הבנקאי ואסטרטגיית מחזור מסלולים
00:14:00 איך להוציא כסף נזיל בלי לשנות החזר חודשי
00:17:51 שלוש האפשרויות המרכזיות בעת ביצוע מחזור משכנתא
00:20:56 כך ירידת אחוז המימון משפרת את הריביות
00:26:00 מתי ולמה משתלם במיוחד למחזר מסלולים משתנים
00:32:00 הסכנה הכלכלית העצומה מאחורי מסלולים צמודים למדד
00:38:39 הטריקים השיווקיים של הבנקים לגזירת קופון על חשבונכם
00:46:16 למה חשוב לעבור בנקים ולא להישאר בבנק הנוכחי
00:49:46 האחריות האישית על הכסף והחשיבות בבדיקת מספר יועצים

#פודקאסט #על_המשמעות

Transcript

SPEAKER_02 1:34

Or she alma or Fish Kalim, if you can, Kabelgam Kailem, She's a Altiga, Avanikoshev, She Mashanta, the Benadam, Have a Khut Al Himselo, Howtaim Shello, and the Mr. Kmosh Benadam Menel Khajbon Bank of Columnidam, Mashkanta Zemashlen Hale, Vimtalumta, and Moshe Fligman. Lovel and your Shavashanim Basov the Kisakon.

SPEAKER_00 4:06

Matmod, the Gamashel Pam, the Loboshel Aribochel, Achalia. Lovelavarishon, Aval Yeshan, she blishemita kessifa. Azavel Lia, Lyula Kahat, the Shell Ribit, Dudanominalit, but sofa, shit to veri Kwa Kesiv.

SPEAKER_02 6:11

Yesh Malemaslim Yesh Makam Bebanklomi Yeshkon Maslim. Yesh Mish B Gamba Mistana Timo Srimbachodish Khan.

SPEAKER_00 6:26

But if Shallagid, okay, it's a million shekel be Maslul Shell Khua, Shall rebit it, Kufata Corona, the Altigan, the Ne Dark. And the Balomar, Shell Lochavim Machir Kual Nagichale Millon Vachi, the need bathtimization, Vitiniv Gashitrak, Shabita Baluti as Atiba Mere, At Bavomerli, it's a shle Altiga, Aval Tash Millionashini, Tigagam Tiga, at the Holy Fosterna, the Rakeshli Shazela Shil Shavashanim, Tumer Lochavim, Lakata Kolki Poe, Macher Biacha, Oh, Ivanti Mosham Kevin Lagi.

SPEAKER_02 8:29

Staman, Latsofim, Imatemotimadat, Kama Shwech, Tamud at Samud.

SPEAKER_00 8:42

Okay. Okay, Tamud, Nasbirada Old Mat. Well, Mabatala Gidal Islah Tash Lish, Tahitziaze, as Azotovana, Ayalo Ken.

SPEAKER_02 8:51

As Ayalo Kwa Tsmuda Mam Namuk, Avalakwat Smudaia, Modzol, a Modiacar, a Kwa Tzmudaya Zol, Vakwatzmudaya, Mazulimatzmudim, I you mod Modiacar, Vazubala Machzer Zrahit Vahot. Vemulo and bam, Tata Machirta asmuda, cabel rebitara.

SPEAKER_00 9:14

Lama, Loan Bicholo Gamba.

SPEAKER_02 9:31

Mozilo isho a conial and Mrs Lakol. Vaza Malai Mloni Loh Maxerta Col and Dash is that rakze? Okay, and Mozolo is should Hadash, the Arbeiters Ayakara rebot. Malalama, Kim Tamahzerakamas Lolim Shab Shavimla, as M Lomoloi Zabitsu Akazat, Kachamarchto Ved. Tamakiraza banking Lomcha ki loshavella no, ki can Shavelano kigufiski. Kachazo ved. Elena limok Elena. Kemoshama Yomal anyoma Tamidla Bankaim Shelly, tak shiv uh Ehosima Saumatan Mulla Banking. Kahanumalim, Mr. Elaim, Elaim, Vaza Italian Shim Shavakit Babankhira, Vatli Moshe Taselitova Shamash Million Shekh, Banka Uh, Natan Fest Nekuda Fadio Terzo Bishwili Clotaiska. When Matila Taki, Ani Lovit Kaha, Imashwe Batsum, F S N Kudaf, La Bancasheni. Yahatla Vilim Kathilakazita Zay Tita, Avalimat Lonatan Katrila Kavit, and all Shellish Fest Nekudafad Bishwil, Lit Kademitilata. So, Tanol, as a Taihola Shano Tanol, and Matila, Ze Noal Alpimistram Hamesh, Kamesh, Lachemishnaaling, Lombard.

SPEAKER_00 11:56

As the IFO Tmashov, Shia Buddha, Shah Million Vahit Bank Poalim, Lum Shia Buddha Sach, Million Bank Poalim, Poalim, Tamiratam Shallen Bank Poolim Kol Hodge, Shlosim Shekel, Zavarus. Okay, Aval Bashkantaschune, K Lachsochet, Kamashanim Kadima, and yet the coimashkant, the Mikrasheli IT Moshkant, Vishlam Timon Kesf, Vesh, Lekabel Kesef Nazila Kiss, Shizemashamati Baptita, Shizu Mariom Kitutame Achanala Peregitha, Okay.

SPEAKER_02 14:22

Wow, Base, Matoma, Base Ba Israel at the Holy Israel.

SPEAKER_00 14:29

The hold, the hull, the hold of the Holmes, the Gam Yara Tiksheli Bitura Mashmoutit, the Az Botor Nikodas Yeradmashmouthit, Lotin Azil, Kil Ani Elikashula Muska. No, and Khalsani Lakshmi.

SPEAKER_02 16:00

Okay, as Batsem uh Zem Kabella and Yan Shla Mizumash Fantanium, Tamid Bemizumash Kante, Shalosh Signon, and Hunatrimas Signon, Shata Di Bartalem, Shep Lame Zahilo, O Lopashut, Lomovan Melove, Yesh Benadam, She Betzem, Yesh Lomion Shekinba Bank, and the M. Gvois, Naniakuda, who's a good one. Naniak, Lamrocha and Hoshev and So Grime, She Massolin Smuddin's Vahlotov, Avalon. Oh, Lenot, Elf Shekel, Hodas, Shallot Mushkant, as all Kesfels. Ken, Bid Yuk, Zel is Shomer, Old Matani is Bill Ham. Zebetsim Shallosh Madrigot. Abaim Shishim Achivin Vihamish. Zebetsim Shallosh Madrigat. Shave Makore Shalosh Madragote, Bank Israel, Mechayev, Tabankim, La Frisch Azeshow, Ezh Premia, Ezeshow Stomet Azho Premia Sikun, Sheimadlo Zirtakesef, La Bank Azupats Daditz, Bonagid Bank Arbach, as Bank Israel Malo, Bonagid, Let's Mito Arbachus, have been a very good thing, and so. Malabim Khameshahuz Kwayesh Shishima Husiman is a hotovagon.

SPEAKER_00 22:57

Mal Shishimahuz Kwashaton and Bellish, Stam Haita, Yom Tashigrash, a bankeru be Khmeshimahuz, Bemehus.

SPEAKER_02 24:09

And the gamlo shim of the Mishali Sholta Shellot and Holy Mark.

SPEAKER_00 24:34

The Gammy May De Colochamitav. Ken Azbo Popo.

SPEAKER_02 25:31

Gama Shavel Liz Gamata Lobo Vetexhameshani Mashkanta Miven Z Tam Taocha or Beban Shim Shalim Tiraga, Call Kamazman of Shalom. Bicaron, if Shalamzer Colion. And Mik Balakama.

SPEAKER_00 25:44

Bicaron, if Shalamacher, Kh and Tem Klalim, Oxha Tamishane, Oxia Shuk Mistane, Oxha Rebiote. Lof Sha if Shaf Sha Colium. But Tana Holemazer. Biduk. Like the Tamishane, the Pitoma Tatarichos Motel Shekelim. Putartama would have Pitomar Viabote, a Holy Spirit. Oh, Ksha Shuk Mistane, Pitoma Dirasha, Bigal Elfatzibot, I'm not sure.

SPEAKER_02 26:18

Pamza Mishkala Mishkalamuch? Ken? Aval Kshahibot Mistanot the drama? Drama, Ken. Hadmashmite, Von Zirmashov, Klalezbachtido, Elama Zoved, Ksatla Zbirta Igayon, Shevza Bagayon. Ksha Maslima Mishtanim Xhahibyot Gvohat, as Shavel Machzer Dafka, Tamaslima Mishhtanim, Sloli Mishhtanim is a Prime Mishane Tamud, Mishtane Lot Samud, Kula Maslima Mishtanim, Braga Shabyot Gvot, Shav Dafka Hazle Machzer, Velama, Kaza Bank Not Numukma. Naniakh Shabank Natana Nitan Z Dafka Munachh Prime, Ki Prime Shim Vinim Yotam Khabrimleze, Mashoganim, as Naniakh Nazanleha, Adayom, Kibalta Prime plus Shaloh, Kribit Nikuda Shishanim, Arabit Prime Aya, I had Nikodash. Prime plus shalosh, naniakhabel prime plus shalosh. Or prime plus a hat, Iom big, prime, prime minus keti. Brighesh prime minus heti, makesha ribit reds. Aribiche, Loma Mashkeha, can't you kutesh Vugam lookenelo echzola mashua, Avalwagdani red must pick suya draklehose or shelashakus, as a taola klyot bash time, as mashavelakat k sharibiot gvote, mishtanim, kamervachim shella bank in biglal, shari bit kwa govoa, meod, as basofa nashimlolo krim aslolima mistanim of himliot, yoterzola bango zerelzem vakioternamuh, kumozarya kar of the kmo, mozzaria kar lefamim, lefamim lotamid, but a la mozzaria karpa kesev nashala mozzarazol.

SPEAKER_00 28:11

As bonagid sh anivata no kadub dolakwa, who rim rovasikuim or siquigavo, uhid uhid od khujai. Asmalemhair, who a shav literally hayom.

SPEAKER_02 28:27

Bidiuk, elish mechou uh shallotze elish michol ifne khatishana, dafkaele, so od shellayom. Anditena Dugma Bemunahim Aiti or Sele Khot, Lifne Hatsisha Nashana, Ogon plus Falosh. Falchavakazi, Maksh Falosh, Ayom, Kvara og plus Fenefestalem, Ogen plus a hat. Tam vinhol Sharibi Guoa.

SPEAKER_00 28:59

Neg Mhzun Mikhut Tov, or Telecantash Mizata, Mishtonim, the Hoshim Shana Kadima, Fastita Shtafastaita Nekuda Muha. As the Fastet Namoh, as the Hol Lavir Shaveshesima, Hadmashmate.

SPEAKER_02 29:16

Mitsachini, Amasolima Khuhim, She L Mashal Kwala Smuda, O'Kvoat Smuda, Amasolima L Dafka Shavele Machzer, Kseh Aribiot Nemuchot, Lama, Lolemzr, Mazzer Shavega Machav, Mista Klims Individuale, Zenamuh, Yotermayomas Aval Masolima Khuhim, Shav Lemachzer Dafka, Kshe Amash Ksharibotahin Muchot. Okay, and What's Masolim Mishta Machav, Cold of Patarita, Bang Israel Magibilitan, Lona Kahat Mehakuz Mishtani, Bigal Shotshivu Bameshek, ashlish Mamashkant Havley Ot Kwa Velachen, Dafka Maslim Maele, Khamanusel Khotchan Yodash, Mochana, Orchim Salek, Lefamimi Shav, Zestamekaze and Zwoketze Kaka, and Kebonus, Lefamimi Ishle Khot, she and Estenlock Smudav, Lamalok Volotzmudak, Shava Kwala Smudak Vois, Vasqana, is as as gadol, Lamaki, Bregashe, Lakarta Kwala Tsmudav Arba Vachi, Vakwalot Smudak, Vakwalot Smudah, Tiret Leschteakhus, Mike Yelo Knasotz. Azena, Zegaman, Zegaminian Shell Matica Pshuta, Paso Fancy, Bonagid Bank Skill Hata Kes, Barbavetia's Vet also Parsha Kamesh Vetzia Shave, Avalim Bonagid Bank Maskil Hatta Kes, Beshesha Hus or Hamesha Husse, V Tavasov Ragilas Bishuk and Yotrak Arbavhesia, who's Barushelo Shav, Vegam Gamishville Sheshahuzeloshave, Galgelmaim or Hetzrevachlo Losim Kazava.

SPEAKER_00 32:41

Bonabarinatmadot Mazebetim, uh shall Tmuda, Lot Smudah, Echanira, Orbeshanim Kadimanagid, and Nidash and Lothar Moshkantus Latzmuda or Lotmuda, Vanidash, the Alamish Chatraf Shekel, Biglalateriot shall soft, the Hatref, Ful Hatraf Meshmot, the Tom Pitom Zerish Hanuk, Chatfundate Mudad, the Pitom Zalali Le Hatreva Hetsi, the Opa, the Pagasti Lotov. But that's mudal.

SPEAKER_02 34:21

Gum, let off minimum.

SPEAKER_00 35:41

Ah, the king of the similar shekel. Can you not?

SPEAKER_02 35:55

Okay.

SPEAKER_00 36:31

Davka Mishlo, Lola Listing, Vish Ello, Alechin. Bonagha, the call of Shakeshua Misparim, Shakeshala, Shakeshua Hlotiskiot, Asmoshul Himelecha Batoryot Moscant, Shata Mathematicot. Basov as Mathematica, I have Bim Combe Nagid Mashivimashmanimel's Tesla, as the Hatimachir, at a whole slum or the force de Kabank.

SPEAKER_02 37:27

Okay, the Mazalva Azot Chaniro Bank.

SPEAKER_00 38:13

Lock on him. Caniti? Vatakashivanti Mashavanti, Hoja Makaka, Mahati Tarehov, B said Hamas, Wow, Ki Yridati Ad Kola Kiskus, Avalashov said Nach, Madam Sene. Avalanima Margish Rahati.

unknown 38:38

Voila.

SPEAKER_00 38:39

The Botoam something shook. Matama. Albana Madaki, a varov and the same.

SPEAKER_02 38:58

Otodovar Ulaim Odmat Bekash, Mishus Samalze, as a shumutag, Bemai Lef Shekel. Otodovakma Moscant, Otto Veneamus Kant. Molly Lolo and Lee. Mazit Samud. As a Kmosha Manu, Brigashi, the Kuncoliad Mahimlet Shan is Barno Mazi. Bedarhul Bedirkla Lolecimat Velo, Dehagav, Atsefi Shall Bank Israelu, Sheale, Bench Time, Shallashahuz Gol Shana. Zatsefi. Lamachtahuz at Aliyat Madad, Zomer Shakaren, Niab million million stream. Avalata weekend and shame, Virat Zeloma, Bashalo Shabashani Machonot, Shallekhochin Muhammashani Mashkanth, Shesha Nashkant, Womali Regga, Akash Loda, Otozer, Togotovak Mosh Lakati, Shall Benadam Shell and Time Svatalov Shekodish.

SPEAKER_00 41:53

But then it's a million vakheti.

SPEAKER_02 42:13

Ukwana Mukelokitza Ken. As Kwarayachas, Shlachiran Veribita of the Rak Ribit. As the Hotel Karen, I te kelakhim. Holelima Kirin.

SPEAKER_00 42:27

I think my kno, Lakachnu a Bethemonarish Michel Alamas, Mustangelli, Lakarte Million Shekel, it's Madate the Le Mamash Pian Tunima Team Shell, Mashikrab, Foal Bameshek, Lolpi Bankers.

SPEAKER_02 42:43

Lo, Petach.

SPEAKER_00 42:53

Ah, Madad. Kim Madad Labish. Avalom, the Mitkaz. Matamel Shekel Million, Vasal Hati Million, Odon as Zavh Million Spunamot, and Million S Punamo. Nah. Who has Odd Kama Hatsaya Husim or Lodiama? Big Lajad, Avalamadad by Srim Shannimah, by Shimahon or the Stremach, as the Sheklum and Zelto, Letochiklul, Kilut, okay. I am the Shaveli, bit, Hamish said a Hishimalachitov, Bedeclon, the bank, Kyo says the colour as man Vishnuchhevet, Vishmar, Vishlo Takalimahitov Inveze. As a varimer, Kenolo, available bankloitanothinam.

SPEAKER_02 44:24

Okay, and a hollow for some for semotehaka, tom uh, seclointed.

SPEAKER_00 44:31

Can though you had male, that's a khajra.

SPEAKER_02 44:33

Ken, video shaked, umetle bisyat sabiv, umetlival Moshe, must tomorrow it. Ah A bankrupt or bank or a bank, a bank or goof, and the bank, and the bank, and the bank.

SPEAKER_00 45:52

A governor shim, shame.

SPEAKER_02 46:11

Show never giddlehem, low loss of vodatova zelotov, and you have sh lehot levad, and so avodatova. Anil Kale Kohot, Videkal, Mashanim Litzlam, Anil Vashtio Mistradishli Amlanemha, Al Mishush, Levad, Rak, Yodzve, Livui, Yudz Levi, Bizrata Yodz Vivuishli, Bonagid Mail Shekel, Avalamlash Lobimcom, Chatalafim, Rakalpan Hameshmot, Gamzeesh.

SPEAKER_00 49:30

Lama and Lama Lodia. Lonimerval at Tudowakasov Lontent Harbe a Kituda in a variety of khalifanim.

SPEAKER_02 49:40

Fokchazalomrim and Kahamki Valani Sayon. Basov and Isaion Seta F Del Zebaro, Zebaro, Aval Khelecma, Zekashuvalimud, Nachomito, Regavani, a Bolas.

SPEAKER_00 49:53

Bolas Kamachelano. Mukata's Kamachalano, Shne Moskimim, Shafelush Gov Regulatia Kazwa Kherita Dut Kazoto Aheret, Adanish Pakita, Chayav Livdok. Atachav Kabel Mlat, Takayav Zenat, Mimizu Shuria, Atahabla Schwot, Tilek, Gamle Fligma, Zenakon. Vegamle Hirsch, Vegamle Davidok, Vitivok Regga, Minatalhata Takituva, Vemu Lontan Satovakulovima Bank, okay, Biook.

SPEAKER_02 50:41

Loshilam Teshek. Zenihon, Avalim Vaya Lakohit Kadim Kvan, V asitilomasalmatan, Vebasov, Yeshabdika, Vesto Masal Matan, Vamasamatan X Ribits.

SPEAKER_00 51:30

As you can see, I'm going to be able to come show me the Kamash, and the other thing is that the first one interesting shell, Gam Leo, the Holyothefin Shello, Mulbank, and I'm not sure.