Under1Roof is a business partner of Glory Danor Finance Ltd. the company owned by a former bank employee who specializes in bank and non-bank loans for all sectors .Our customers enjoy 20% discount on the rate and on the basis of success

A loan for non-residents is given according to the value of the property and the customer solvency and credit history. These data are examined according to the period in which the loan is requested

A bank mortgage for a first property can be obtained up to 75%, for a second property and up to 50% of the value of the property, or from the appraiser’s assessment – whichever is lower and subject to your income. You will have to prove to the bank that you do have the self equity to have the deal done.
Repayability is measured by your income of the people in whose name the property will be registered, less repayment of existing loans and as a result the ability to pay will be between 40% -30% of what is called “disposable income”. This percentage will be examined according to marital status, how many children stayed at home / high monthly expenses according to bank considerations.

Non-bank mortgage from funds – for customers who did not meet the criteria of the Bank of Israel that do not meet their solvency. There is a solution – you can get up to 80% of the value of the property, or from the appraiser’s assessment – whichever is lower and subject to your incomeת at an interest rate of about 4% annually – usually more expensive than a bank mortgage, but not subject to the laws of the Bank of Israel, and therefore more flexible.
For bank defaulters due to disability or any notice of bankruptcy or property in legal issues, you can get a non-bank loan from funds for a short period of up to two years at a high interest rate from the bank due to status and then return to the bank for lower and longer term interest rates

Mortgage for retirees – At retirement age there are various channels including loans from insurance companies that approve long-term loans when the repayment of the loan is on the heirs, one year after the death of the last parent, in order not to make it difficult for pensioners who have no income or want to pay their mortgage expenses. Especially if the mortgage is to help children as happens most of the time. In this loan, the older the age, the higher the loan percentage, up to 50% of the property value gradually by about 5.5% annual interest + the consumer price index (sometimes changes – ask us about the interest rate used today). The children can repay the loan from the sale of the property or alternatively if they want to own the property, after the death of their parents, the company allows the heirs to convert the loan proportionally to each of the heirs at their own discretion. At any given time the loan can be repaid without an early repayment fee.
If the pensioner has an income, it is possible to take a bank loan for up to 15 years, at an unlinked annual interest rate of about 5% (sometimes changing – ask us about the current interest rate), depending on age, paying interest only, with at least one child guaranteed, according to his income.

For all kinds of loans solutions please refer to Glory Danor Finance Ltd website