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Trouvez votre logement idéal en Israël Explorez nos offres de locations immobilières dans les plus belles villes du pays — Jérusalem, Netanya, Eilat et bien d’autres. Des solutions adaptées à vos besoins, pour un séjour en toute sérénité. Contactez-nous Locations immobilières - השכרת דירות Choisissez la ville Jérusalem Découvrez la richesse spirituelle et culturelle de Jérusalem, où les traditions anciennes rencontrent la vie moderne. Cette ville sacrée offre un cadre propice à la croissance personnelle et à la réflexion, guidé par votre thérapeute expérimenté. En savoir plus Netanya Située sur la côte méditerranéenne d’Israël, Netanya allie détente et énergie marine. C’est un lieu idéal pour se ressourcer, réfléchir, et entreprendre un chemin de transformation personnelle. En savoir plus Eilat Entourée de montagnes désertiques et baignée par la mer Rouge, Eilat est une oasis de sérénité. C’est le lieu idéal pour se détendre, se recentrer et profiter d’un climat ensoleillé toute l’année. En savoir plus

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

Notre savoir-faire, Votre bien-être Contactez-nous Crédits prêts Israël Le cabinet Slama Assurances vous propose des solutions pour tous les types de prêts que vous souhaiteriez obtenir en Israël. Vous serez ainsi accompagné tout au long du processus avec des conseils professionnels et rapides, ce qui vous fera économiser beaucoup de temps et d'argent. Services Voici les cas de figures dans lesquels notre bureau peut vous faire économiser des sommes importantes : Nouvelle demande de prêt hypothécaire Un client qui souhaite acquérir un bien immobilier mais ne peut l'acheter avec son capital personnel, devra utiliser le capital externe prêté par la banque pour atteindre le montant souhaité. La banque hypothéquera alors le bien pour assurer le remboursement du prêt. Pour une telle transaction, le client reçoit un accompagnement personnel dès le premier instant, et ce même avant la signature du contrat avec le vendeur. Un conseiller attitré vous expliquera en détail les différentes options qui s'offrent à vous dans le système israélien, et travaillera face à plusieurs banques jusqu’à obtenir la meilleure formule pour votre prêt hypothécaire. Refinancement d'un prêt hypothécaire en cours De nombreux clients remboursent un emprunt qu’ils ont contracté par le passé, mais ne bénéficient pas de l’évolution des conditions du marché. Or actuellement, les taux d’intérêt sont assez bas, et il est possible de renégocier l’emprunt hypothécaire et obtenir un refinancement à des conditions plus avantageuses. Les économies de remboursement peuvent s'exprimer par un raccourcissement de la période d'emprunt, par une réduction du remboursement mensuel, et dans tous les cas, par une économie sur le montant total des paiements effectués. Obtention de prêts divers La banque accorde également des prêts en prennant en garantie un bien, et ce à des fins privées, telles que le financement de travaux de rénovation, de crédits à la consommation, d'un événement familial, ou autres. Notre bureau se chargera de vous trouver le prêt le moins cher et le mieux adapté à tous vos divers besoins. Nouveau Nouvelles règlementations des prêts hypothécaires - 2021

souscrire une assurance professionnelle avant même d'ouvrir votre entreprise. Sécurisez votre entreprise avec les couvertures adéquates à votre activité. 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

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

Votre sécurité, notre priorité Protéger ce qui compte le plus : votre famille, votre maison, votre avenir. Contactez-nous Expertise 100% authentique Explications sur le fonctionnement de l'assurance Habitation en Israël La police d’assurance d'habitation couvre aussi - au-delà de la couverture de base contre les dégâts d’incendie, les tremblements de terre et les tiers - un large éventail de services annexes. La large expérience du Cabinet Slama Assurances I&F dans la gestion de telles assurances lui permet d'accompagner le client de la manière la plus adéquate dans le choix des couvertures de sa police d’assurance et de traiter les sinistres de manière efficace et rapide. Trois types de polices d'assurances habitation s'offrent à vous Une police d'assurance murs Bitouah' Mivné - ביטוח מבנה) couvre les dommages pouvant être causés au bâtiment par des événements imprévus, tels que: dommages causés par le feu, tempêtes, dommages résultant d'actes malveillants, dommages causés à la plomberie, aux installations de chauffage pour systèmes solaires et encore divers événements spécifiés dans la police. L'assurance du contenu Bitouah' Tekhoula - ביטוח תכולה) couvre les dommages causés aux biens assurés dans un appartement à la suite d'un événement imprévu, tel que: incendie, vol, dégâts des eaux, tempête, explosion et encore divers événements spécifiés dans la police. L’assurance murs et contenu Bitouah' Mivné vétekhoula - ביטוח מבנה ותכולה) est l’assurance la plus complète, combinant ainsi l'assurance murs et l'assurance contenu, qui peuvent être achetées séparément, comme susmentionné. La combinaison de ces deux assurances procure au client une tranquillité d’esprit et une protection maximale de ses biens. Des couvertures d'assurance supplémentaires peuvent être incluses dans la police d'assurance de l'appartement: Assurance valeur foncière Assurance du matériel photographique Assurance vélo Assurance responsabilité civile Assurance responsabilité des employeurs Assurance tremblement de terre Dégâts naturels (neige, tempête..) A savoir Assurez-vous que les montants d'assurance dans la police soient mis à jour et corrspondent bien à la valeur à neuf en Israël. Assurez-vous que les conditions de protection exigés dans la police soient conformes à celles existantes (alarme, coffre..). N'hésitez plus ! Les assurances Slama sont à votre disposition pour vous donner les meilleures conditions et tarifs sur le marché israélien