what we do
Each track is built around a different life situation. Find yours, or pick up the phone and we'll find it together.
short
Ailon offers eight counseling and financial guidance courses: a free initial consultation call, a price course for a tenant, a maximum savings course with a commitment, mortgage refinancing, a reverse mortgage, a mortgage for any purpose, financial guidance for investors and home economics advice. Each route is adapted to a financial situation and different life goals.
An initial consultation at Ailon is a 30-minute meeting at no cost and without obligation. During it, a consultant examines your income, obligations and life goals, and evaluates the ability to repay and the amount of the real mortgage. At the end of the conversation you will know if you have anything to save and in what order of magnitude.
A price track for the resident of Ailon Malwa accompanies lottery winners from the moment they win until they receive the key. The route includes building a financial profile, approval in principle, comparing offers and building a mix. The financing rate and equity are determined according to the plan, the contract price, the value sold by the bank, the Bank of Israel's instructions and the borrower's data, and are not guaranteed in advance.
The maximum savings route includes comparing offers from several banks and building a customized mix. The savings is not a fixed number and is not guaranteed in advance. It is measured against identical alternatives according to the monthly repayment, total cost, fees, flexibility and risk throughout the life of the loan.
mortgage refinancing is the replacement of the existing mortgage with new terms that better suit the situation and goals. There is no fixed waiting period. Feasibility is checked when the interest rates, the income, the desired return or the family's needs have changed, after taking into account fees and switching costs. The initial test at Ailon does not involve a cost.
A reverse mortgage allows people aged 60 and over to get a loan against a property they own, without selling it and without monthly repayment in some routes. It is suitable for those who have a high value property and a low current income, and is used to supplement income, help children or close expensive debts.
A mortgage for any purpose is a loan against an existing property lien, for a use other than the purchase of an apartment. The guarantee may allow a lower interest rate than some of the consumer alternatives, but not in every portfolio. Total cost, period, fees and property risk should be compared before debt consolidation, renovation, business or family assistance.
Financial support for real estate investors connects the price of the property, the purchase tax, the equity, the financing, the expenses and the expected flow. At Ailon, the transaction is also being examined in a conservative scenario and its effect on the existing portfolio and the ability to finance in the future. The process does not guarantee a return or credit approval, but provides an orderly basis for making a decision.
Home economics counseling arranges the family's financial picture before and at the same time as the mortgage process. It includes mapping income and expenses, identifying expensive debts, building a sustainable budget and increasing available capital. For many, this is the stage that makes it possible to meet the bank's criteria at all.
without obligation
This is exactly the first call. Thirty minutes, free of charge, and you leave with a clear answer.
We do not receive commission from any bank. never.
