תכנון נכון של משכנתא לגיל השלישי כולל קרן חירום להוצאות בלתי צפויות, כדי להימנע מלחצים תקציביים בתקופות של עליית מחירים או אירועים רפואיים.
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משפחה הבוחנת רכישת דירה, מיחזור משכנתא או איחוד הלוואות צריכה לשלב בין אישור הבנק לבין בדיקה עצמאית של התקציב, הסיכונים והמטרות הכלכליות שלה.
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