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  • Assurance Professionnel Israël (Entreprise) | Slama-assurances

    Our know - how, Your well - being Explain how the Professional Insurance (Company) ë in Israel the Most companies can have great difficulty getting back on their feet after serious damage, such as fire damage, water damage or even burglary damage. Also, it is recommended to take out professional-business insurance even before the opening of his business. The options are varied and it is very important to get the appropriate advice, not to compare prices it markets before such insurance. Below, the detail of the complete professional-business insurance package that the firm Slama can offer you: Our insurance offers allow everyone to insure their specific needs such as: Company Wall Insurance - Protects against structural damage caused by natural disasters such as fire, flood, snow, storm, earthquake etc. In addition to this, you will need to know more about it. Contents Insurance - covers break-ins and disaster damage. It includes several categories, the main ones being tools and equipment, merchandise, furniture etc. In addition to this, you will need to know more about it. Mechanical breakdown of machinery and equipment - covers damage that may be caused during operation (in the event of loss or physical damage). In addition to this, you will need to know more about it. Electronic and Computer Equipment - covers various damages, including damage caused by burglary (for a variety of devices). In addition to this, you will need to know more about it. Civil liability - insurance covering material damage and bodily injury caused to third parties. In addition to this, you will need to know more about it. Employer's Liability - insurance that protects the employer from claims of its employees relating to accident or illness caused by or in the course of their work, resulting from negligence which caused them physical, mental or personal injury. death. In addition to this, you need to know more about it. Earthquake and natural damage - including damage caused by storms, floods, hail or snow. In addition to this, you will need to know more about it. Operating loss - covers lost profits or losses suffered by the business during the rehabilitation period, most often after a fire. In addition to this, you will need to know more about it. Liability Products - covers claims for personal injury or property damage to third parties due to the use of a defective or damaged product that the company has manufactured, marketed, assembled, processed, etc. In addition to this, you need to know more about it. Employer / employee contributions - Compulsory for about ten years , these contributions oblige both parties to contribute for the retirement, death or inability to work of employees (following an illness or an accident). The contributions at stake are significant, as they are almost 20% of gross wages (around one third by the employee and two third by the employer). The covers are obviously adaptable according to the age and the family situation of the employee. DEVIS PERSONNALISÉ

  • Mentions légales | Slama-assurances

    PARTICULARS The E GALES: In accordance with legal provisions, we bring to the attention of users and visitors of the site: www.slama-assurances.com the following information: In addition to this, you will need to know more about it. EDITOR The www.slama-assurances.com site is the exclusive property of the self-employed Claude Slama, founder of the Slama Assurances, Immobilier & Finances agency, which publishes it. In addition to this, you will need to know more about it. Company : Slama Assurances, Immobilier & Finances with a capital of 1 million Shekels Phone: 026256014 41 King Georges - Jerusalem - Israel Registered in the Israeli Trade and Companies Register under number: 015442718 Main email address for appeal: Slama@sl-as.com Webmaster: Jonathan PEREZ Director of publication: Malian Horvitz Contact the publication manager: malian.horvitz@gmail.com In addition to this, you need to know more about it. ACCESSIBILITY E The www.slama-assurances.com site is in principle accessible to users 24 / 24h, 7 / 7d, except interruption, scheduled or not, for the needs of its maintenance or in case of force majeure. If access to the service is not possible, www.slama-assurances.com undertakes to do its utmost to restore access to the service and will then endeavor to communicate to users beforehand the dates and times of the intervention. Being subject only to an obligation of means, www.slama-assurances.com cannot be held responsible for any damage, whatever its nature, resulting from the unavailability of the service. In addition to this, you will need to know more about it. ACCEPTANCE OF TERMS AND CONDITIONS The site www.slama-assurances.com cannot be held responsible for typographical errors or inaccuracies appearing on the service, or for any damage suffered resulting from its use. The user remains responsible for his equipment and its use, likewise he alone bears the direct or indirect costs following his connection to the Internet. HYPERTEXT LINKS AND COOKIES The site www.slama-assurances.com contains a certain configuration of the navigation software which makes it possible to inform of the presence of a cookie and possibly to refuse it. The user can in fact configure his computer's browser to refuse the installation of cookies, knowing that the refusal to install a cookie may make it impossible to access certain services. In addition to this, you need to know more about it. In addition to this, you will need to know more about it. ACCOMMODATION The site is hosted by the website creation company: Wix.com Headquarters : Tel-Aviv Legal form : Joint-stock company DESIGNING SAID: the legal notices were generated by legal notices Lyon ice rink opening hours

  • Assurance Voyage à l'étranger depuis Israël | Slama-assurances

    Explain how travel insurance in Israel the ë Notre savoir-faire, Votre bien-être Travel insurance covers the services that any person may need during their stay abroad: medical expenses for emergency hospitalization, medication, emergency dental care, cancellation or reduction of the number of trips, loss or damage to luggage. personal, permanent disability by accident, death by accident etc. Insurance cover is in place for the duration of the trip abroad. The many years of experience of Cabinet Slama Assurances allows it to support the client in the preparation of the most appropriate insurance policy and to process claims efficiently and quickly, if necessary. Travel insurance policies may include additional insurance coverage: In addition to this, you will need to know more about it. Rescue missions for travelers around the world. Coverage in case of worsening of an existing medical condition. Cover for extreme activities and winter sports. To know: The State Insurance Law, which concerns the right of every citizen of the State of Israel to access to medical care, only applies within the limits of the State of Israel. The insurance conditions must be adapted to the specific needs of the insured, to the destination and purpose of the trip as well as to the duration of the stay. There is a special insurance plan for regular travelers. DEVIS PERSONNALISÉ

  • Crédits et Prêts en Israël | Slama-assurances

    Our know - how, Your well - being Slama Assurances offers solutions for all types of loans you would like to obtain in Israel. You will be accompanied throughout the process with professional and fast advice, which will save you a lot of time and money. Renégociation crédit prêt banque taux intérêt échelonnement financement remboursement Renégociation crédit bourse marché prêt banque taux intérêt échelonnement financement remboursement Mashkenta Machkenta Immobilier Here are the scenarios in which our office can save you significant sums: In addition to this, you will need to know more about it. New mortgage loan application - A client who wishes to acquire real estate but cannot buy it with his personal capital, will have to use the external capital lent by the bank to reach the desired amount. The bank will then mortgage the property to ensure repayment of the loan. For such a transaction, the customer receives personal support from the first moment, even before signing the contract with the seller. A dedicated advisor will explain in detail the different options available to you in the Israeli system, and will work with several banks until you get the best formula for your mortgage. In addition to this, you will need to know more about it. Refinancing of an outstanding mortgage loan - Many customers repay a loan they have taken out in the past, but do not benefit from changing market conditions. However, currently, interest rates are quite low, and it is possible to renegotiate the mortgage loan and obtain refinancing on more favorable terms. Repayment savings can be expressed as a shortening of the borrowing period, a reduction in the monthly repayment, and in all cases, a saving on the total amount of payments made. In addition to this, you will need to know more about it. Obtaining various loans - The bank also grants loans by taking as collateral an asset, and this for private purposes, such as the financing of renovation work, consumer loans, a family event, or others. Our office will take care of finding you the cheapest loan that best suits all your various needs. New !! In addition to this, you need to know more about it. New mortgage loan regulations - 2021

  • Renégociation de Mashkenta | Slama-assurances

    New mortgage regulations - Overview of the current market situation Recently, new guidelines from the Bank of Israel have been published in various media, some of which have been approved and will come into effect on January 17, 2021, for new mortgage borrowers and for renegotiations of loans already underway from January 17, 2021. February 28, 2021 . The new directives make it possible to increase the component of the “Prime” up to 2/3 of the total loan against 1/3 so far. The media coverage was created because of the low level of interest rates, which have been around 1.6% for a long time. But is it really safe to take more “Prime”? In addition to this, you will need to know more about it. The more we choose the “Prime” rate instead of a fixed interest rate, the more vulnerable we will be to changes in interest rates, and banks can be expected to raise interest rates. interest for those who ask for more rates in "Premium". Today, the level of interest rates is very low, among the lowest since the establishment of the State of Israel, and therefore it is worth considering taking more fixed components and thus reducing the possible mortgage modifications. In summary - it is not certain that the new relief will be real good news during this period, but it is very possible that later competition will lead to a low interest rate of the "Prime", which will lead to a reduction. significant for future mortgage borrowers. In addition to this, you will need to know more about it. Another new regulation that has not yet been approved concerns the reduction of prepayment charges. While today there is a 20% reduction on the prepayment charge after two years, and a 30% reduction after 5 years, now a 50% reduction will be added after 8 years. The reduction will be very beneficial for those who wish to refinance a mortgage or for those who intend to repay before the end of the mortgage period. This is because prepayment charges can reach tens of thousands of shekels, and in many cases, people refrain from refinancing a mortgage because it makes the turnover unprofitable. Note that there is no prepayment charge on the “Premium” portion, so if customers increase the portion of that rate, the overhead prepayment charge will also be reduced. Mortgage freeze Following the Corona pandemic, the Bank of Israel decided to broadly approve the possibility of a mortgage freeze in order to make everyday life easier for all borrowers in such a time of uncertainty. You can either freeze only the principal payments and pay only the interest portion, or freeze the entire payment and not repay the loan at all. Some people thought that this was some kind of a favor and that since they did not pay a monthly payment, the mortgage would be suspended for a few months without charge. However, in reality, in the case of a partial freeze, the monthly repayments are in fact "money thrown in the trash" because the principal to be repaid is not used and the interest is paid. In the case of a full freeze, the cost is even higher since the interest not paid during the freeze period is spread over the remaining mortgage balance and will be paid at the end of the mortgage period (and will incur additional interest charges). In addition to this, you will need to know more about it. The monthly repayment after the freeze period is therefore expected to increase both due to the additional interest charges and the fact that the mortgage balance now has to be repaid over a shorter period. In conclusion, behind the relief is a considerable cost that the freezing of the loan entails and it is therefore advisable to avoid freezing mortgage payments and only use this lifeline in cases where it does not. there is no other choice. Investors In recent months, there has been a massive influx of investors into the real estate market. The main reasons are the very low interest rate environment, in particular the possibility of early repayment with less exposure to taxes, reducing the purchase tax from 8% to 5%. In addition to this, you will need to know more about it. The state housing assistance program named “Meh'ir Lamishtakene” (מחיר למשתכן) is in its final stages of existence, and in the absence of an alternative plan, this will create greater demand on the land. estate market. At the same time, housing starts are lower than the demand for housing each year - resulting in higher prices and increases across the country are expected in the near future, except for commercial real estate such as stores and offices, where recent times have created an increased risk for vacant properties. The level of interest rates and new regulations therefore force us to verify the viability of our mortgage cycles and those of our clients. In many cases, tens and hundreds of thousands of Shekels can be saved, even in cases where prepayment charges are high. This is definitely the time to buy a property for residence or for investment and thus take advantage of low interest rates and a mortgage loan opportunity on the best terms. In other words, it's time to save thousands of Shekels! Do not hesitate to Contact us

  • Location - Jerusalem | Slama-assurances

    Our experience, Your serenity Real estate l0cations - השכרת דירות JERUSALEM Coming soon

  • Vente - Jerusalem | Slama-assurances

    Our experience, Your serenity Real estate sales - מכירת דירות JERUSALEM Coming soon

  • Vente - Netanya | Slama-assurances

    Our experience, Your serenity Real estate sales - מכירת דירות NETANYA Coming soon

  • Vente Immobilières en Israël | Slama-assurances

    Our know - how, Your well - being Real estate sales - מכירת דירות Choose the city JERUSALEM NETANYA

  • Nous contacter | Slama-assurances

    Contact Slama Assurances, Immobilier & Finances Adresse: ​ 41 Rue King Georges (5ème étage sur votre droite) 91600 Jerusalem, Israel המלך ג'ורג' 41 - ירושלים ​ E-mail : Slama@sl-as.com ​ WhatsApp: (Envoi de documents uniquement): 058-680-4095 ​ Tél : 072-3936342 / Fax : 02-6250953 ​ Horaires d'ouverture: ​ Dimanche à Jeudi 8:30 - 16:30 Sur rendez-vous uniquement

  • Assurance Garanties accidents de la vie Israël | Slama-assurances

    Our know - how, Your well - being Explain how GAV insurance in Israel the ë Slama Assurance offers various types of personal accident insurance plans , which cover cases of disability, hospitalization, fractures, burns, dependence and loss of life following an accident. In addition to this, you need to know more about it. Types of insurance coverage: Compensation in the event of the insured's loss of working capacity following an accident. Compensation in the event of permanent, total or partial disability due to an accident. Compensation in the event of the death of the insured following an accident. To know: This insurance can be purchased for a variety of professions, including household management. In the event of professional sport and / or combat, the insurer must be notified in advance.

  • Assurance Automobile Israël | Slama-assurance

    Our know - how, Your well - being Explain how the Automobile Insurance in Israel the ë As a major French-speaking insurance agency in Israel, Slama Assurances, Immobilier & Finances offers its clients comprehensive insurance policies as well as support allowing them to benefit from personal and professional advice, as well as letters in French. included in the contract itself to facilitate understanding of the various coverages. In addition to this, you will need to know more about it. There are three types of auto insurance policies: An all-risk insurance policy (in Hebrew: Bitouah 'Mékif - ביטוח מקיף ) includes guarantees against loss or damage that may be caused to the insured vehicle, due to an unforeseen event such as: fire, overturn, collision, accident of any kind, theft and damage caused by theft, natural damage, etc. The basic insurance policy can be extended to include a range of additional advanced services. In addition to this, you will need to know more about it. A civil liability insurance policy or third party insurance (in Hebrew: Bitouah 'Tsad Guimel - ביטוח צד ג ) covers damage to the property of others that may be caused by the insured as a result of the use of his vehicle. The insurance company will indemnify the injured opposing party within the limits of liability specified in the policy. The third party insurance policy allows extensions, such as: towing services, glass breakage coverage, legal protection coverage, etc. In addition to this, you need to know more about it. Compulsory insurance (Hebrew: Bitouah 'H'ova - ביטוח חובה ) covers bodily injuries suffered by the driver, passengers and pedestrians. Under current law, vehicles traveling on the roads are subject to compulsory automobile insurance. Driving without compulsory insurance puts the driver in danger and can cost him dearly in the event of an accident resulting in bodily injury, expensive medical treatment or even hospitalization. To know : Attention !! There is no finding in Israel! In the event of a claim, take the maximum number of photos of the accident and the context from several angles, as well as a photo of the Tehoudat Zéhoute (identity card) of the third party, his gray card (רישיון רכב), his certificate insurance (תעודת ביטוח), his phone number etc, the best thing being anyway to get the police to come to the scene of the accident so that they can make their report. The more information and proof you take during your accident, the more chance you have of being successful in the event of a dispute over the liability of the opposing party in the incident. In addition to this, you will need to know more about it. Certain types of vehicles require compulsory anti-theft protection in order to be able to launch insurance coverage (Code, geolocation system, etc.). In addition to this, you will need to know more about it. Make sure that the insurance is made on the exact vehicle model and the name of the vehicle owner on the vehicle registration document (רישיון רכב), in order to prevent problems in the event of a claim and sometimes financial loss. In addition to this, you will need to know more about it. Claims occurring on your vehicle without an identified third party are counted as a responsible claim in the Israeli system, if the insured uses his all-risk policy. In addition to this, you will need to know more about it. Do not hesitate ! Slama insurances are at your disposal to give you the best conditions and prices on the market Israeli DEVIS PERSONNALISÉ You will find below two videos of Claude Slama who tells us a little more about the mechanisms of automobile insurance, at the microphone of Studios Qualita:

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