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

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.

בס"ד SLAMA Insurance , Real Estate & Finance With more than 30 years of experience in Israel, our agency offers you the possibility of securing your property, your health as well as the stability of your family and your resources. About - us? Claude Slama , married and father of 8 children, arrived from France to Israel in Jerusalem in 1983. Former bank manager and holder of a third cycle of economics, he decided in 1986 to get into the insurance industry. Very quickly, through petanque and belote tournaments, the office became known throughout the country, to the point that a secondary office was created in Natanya on Kikar Haatsmaout. From the beginning of the 90s, the office grew, among other things thanks to the insurance of particular niches, such as the insurance of large hotels or renowned Israeli chain stores. In recent years, the office has grown and seeks to satisfy its large clientele in various areas outside of insurance, such as obtaining and refinancing loans as well as property management, Claude also being a licensed real estate agent. The office is at your disposal for these various services and to advise you in other fields. Our areas of activity Insure your property Ensure your apartment, vehicle and business with confidence at the best conditions and at the most attractive rates Insure yourself and your family Your health and that of your family are priceless! Find out about our complementary programs with the Koupot H'olim for the safety of all those who are dear to you Management of your claims Take advantage of quality service in French to manage your claims and support you throughout the process until your damage is recovered Investing your money Do you have savings? Don't let them sleep in your bank account! Come and take advantage of attractive rates of return offered by Israeli insurance companies Optimization of your credits Do you have an outstanding loan? Do you want to take out a loan for an apartment or a consumer loan? Take advantage of our financing and advice service to obtain the best repayment terms for your loan Accommodation in Israel - Rent or sell your real estate As real estate agents, we can provide you with solutions for housing, buying, renting or even selling your real estate. The team Claude Slama Fondateur de l'agence Hanna Directrice du pôle assurance vie et santé Yonathan Pôle automobile et professionnel Shlomite Responsable du pôle assurance Habitation The Slama Assurance team is always available to advise and defend the best interests of the client with kindness, professionalism and efficiency. I particularly appreciate this relationship of trust. L. Tolub - Ra'anana In addition to this, you will need to know more about it. Over 30 years of experience and advice on Jerusalem Contact

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

Our know - how, Your well - being Explanations on how retirement savings work The Slama Assurances, Immobilier & Finances agency offers its clients solutions and complete support for their pensions in Israel or France . What exactly is a pension fund? In addition to this, you will need to know more about it. A pension fund (or retirement) is a financial instrument, long-term savings , the main purpose of which is to accumulate a sum of money for life after retirement. It is generally common to save for retirement through a pension fund which also includes insurance against incapacity for work, invalidity or even for heirs. Thus, beyond traditional retirement savings, the pension fund contains two insurance elements: a pension for the heirs (the beneficiaries) , designed to guarantee that in the event of death, a monthly pension will be paid to the family members (spouse and children under the age of 21), and an invalidity pension designed to financially support the family, in the event of accidents or serious injuries that would prevent them from continuing to work. In addition to this, you will need to know more about it. Ultimately, it is this money accumulated over the years that will determine the standard of living when one stops working, and so it is a very significant fact to take into account. The accumulated sums of money can be received at the appropriate time (i.e. at retirement age) by means of a monthly annuity and, in some cases, in the form of a lump sum. If you want to withdraw the funds before retirement age, you will have to pay 35% tax. The high tax aims to prevent premature withdrawal, as the state seeks to prevent by all means the boarders depend on it (through social benefits) and thus tries as much as possible to encourage investment long term through long term investments. In addition to this, you will need to know more about it. It is important to remember that both employer and employee are entitled to tax benefits under the pension fund provisions. The law allows the employer to set aside up to 7.5% of the employee's salary (in addition to 8.33% as compensation) and for the employee, the law allows up to 7% of his salary. The accumulated retirement savings are in fact a combination of the funds transferred by the employee and the employer, the amount of the deposits being determined according to the percentage of the salary. In addition to this, you will need to know more about it. The total amount of contributions for employees, as required by law in Israel, breaks down into 3 parts: 17.5%, of which 5.5% for TAGMOULIM at the expense of the employee, 6% for the TAGMOULIM at the expense of the employer, and 6% for the PITSOUYIM at the expense of the employer. In addition to this, you need to know more about it. However, in many cases, these contributions do not guarantee a standard of living equivalent to that of working life upon retirement. In addition to this, you will need to know more about it. Also, you have the possibility of making monthly personal deposits in a private pension fund which will allow you to increase your income once retirement arrives. New service at Slama Assurances I&F: In addition to this, you will need to know more about it. If you have worked in France in the past, we also have a service in our agency which can help you obtain your monthly pension from the French State . In addition to this, you need to know more about it. In addition to this, you need to know more about it. To find out more, please do not hesitate to contact us today. In addition to this, you will need to know more about it. Your future does not wait! Retraite française DEVIS RETRAITE EN ISRAEL Nouveau service chez Slama Assurances I&F: ​ Si vous avez travaillé en France par le passé, nous avons également un service dans notre agence qui peut vous aider à obtenir votre rente mensuel de la part de l'Etat français . ​ ​ Pour en savoir plus, n'hésitez pas à nous contacter dès aujourd'hui. ​ Votre avenir n'attend pas ! Retraite israélienne DEVIS RETRAITE EN FRANCE

Our experience, Your serenity Real estate l0cations - השכרת דירות EILAT In a small quiet, charming and peaceful residence, 74 m² apartment located in the SHAHAMON 3 district of EILAT (South Israel), with superb views over the city of Eilat, the Gulf and Aqaba, as well as Jordan, Egypt and the surrounding mountains. Three rooms with 2 bedrooms, kitchen and 2 independent bathrooms and toilets, + 12 m² balcony with wide open and splendid view. Equipped for 3 to 5 people. Distance to the city center: 2 km; from the Diving Center of Eilat and the SEA: 3 km and 5 minutes by car. Distance from the sandy beach called "DEKEL": 900 m or 19 minutes on foot by a practicable path. Excursions to Aqaba and PETRA in Jordan as well as to Sinai, Sharm-el-Sheikh and St-Catherine Monastery (in Egypt). Easily accessible with local transport. Availability and rental prices: From mid-June 2019 to the end of September 2019 and from November 2019 to March 2020. Summer months: 2,500 Euros (10,000 Shekels) per month, all charges included. Other periods: 1600 Euros (6400 Shekels) per month, all charges included. Rental period: 1-2 months minimum. Good weather and sun guaranteed without forgetting the diving !! Personal assistance service and Concierge service available on request. In addition to this, you will need to know more about it. For any information: Contact Anaelle at 053-7081443 or Yonathan at 054-8369053

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

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

Our know - how, Your well - being Explain how life insurance in Israel the ë Life insurance in Israel is the equivalent of death insurance in France . Under this policy, the insured deposits a monthly premium, which entitles his heirs to financial compensation. The peculiarity of death insurance is that the policy guarantees compensation to the beneficiaries, and not to the insured directly as in other insurance contracts. This is essential insurance for anyone who cares about the well-being of their beneficiaries, even if at the same time it remains quite basic. Indeed, as long as the insured does not add extensions such as the loss of working capacity or a savings component to his policy, he will not be able to receive funds, during his lifetime, during or at the end of the period. insurance. Les options pour l'assurance- décès Options for death insurance Death insurance can be taken out under two formulas: What is called "Pure death insurance" and "Death insurance with a savings component". Pure death insurance will result in the payment of indemnities to the beneficiaries in the event of the death of the insured, but no additional indemnity will be paid in other cases. On the other hand, a death insurance with a savings component combines the possibility of receiving an indemnity in the event of the death of the insured during the insurance period with the financial savings which will be transferred to the insured or his heirs after retirement. . Beyond that, a component of loss of working capacity can be added to the policy. In this case, the insured is covered for cases where his ability to earn income is unexpectedly impaired due to illness, accident or serious injury. In addition to this, you will need to know more about it. What is important to check before purchasing a risk insurance policy? There are many points to consider when choosing a risk insurance policy. For example, it is possible to take out a death insurance policy for a non-modifiable reimbursement period. In this case, if the insured dies during the insurance period, the indemnity will not be paid at the time of death, but only at the end of the insurance period. Another important point concerns the method of payment of the annuity: You can choose to receive the entire amount in a single payment or monthly installments. To find out more, please do not hesitate to contact us today. In addition to this, you will need to know more about it. Your future and that of your family does not wait! Qu'est-ce qu'il est important de vérifier avant de souscrire une police d'assurance contre les risques? De nombreux points sont à prendre en compte lors du choix d'une police d'assurance contre les risques. Par exemple, il est possible de souscrire une police d'assurance-décès pour une période de remboursement non modifiable. Dans ce cas, si l'assuré décède pendant la période d'assurance, l'indemnité ne sera pas versée au moment du décès, mais seulement à la fin de la période d'assurance. Un autre point important concerne le mode de paiement de la rente: L'on peut choisir de recevoir la totalité du montant en un seul versement ou bien mensualités. Pour en savoir plus, n'hésitez pas à nous contacter dès aujourd'hui. ​ Votre avenir et celui de votre famille n'attend pas ! DEVIS PERSONNALISÉ

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Our know - how, Your well - being Explain how the Mashkenta insurance in Israel the ë If you have taken out a mortgage, the bank will also ask you to take out mortgage loan insurance . Below are the main points you should know about this type of insurance. Crédit immobilier Mashkenta Machkenta Hypothèque Assurance Israel Jerusalem Mortgage insurance has two compulsory components and a third optional: The first is life insurance , which aims to cover the amount of the loan you have taken out with the bank in the event of death, whether yours or that of your spouse (and that it becomes impossible to continue to paying mortgage payments), each covered separately for 100% of the amount borrowed. In addition to this, you will need to know more about it. The second is the insurance of the walls of the apartment , which is intended to cover the loan that you have taken out from the bank in the event that the apartment suffers heavy damage, which will lead to a significant reduction in the value of the property. apartment and would actually make it worthless for the bank (earthquakes, storms, fire, water damage ..). In addition to this, you will need to know more about it. The insurance you choose can also include insurance for the contents of your apartment , i.e. items and furniture in your apartment, but the bank itself does not require this in the contract, since the value of the contents of your apartment is unrelated to the mortgage. In addition to this, you will need to know more about it. These policies are primarily intended to serve the lending bank and ensure that you can pay the mortgage repayments, but also to serve you, as they also assure you that in case of hardship, the insurance company will assist you. DEVIS PERSONNALISÉ

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