הבנק בודק את שווי הנכס מול המחיר בחוזה, ולעיתים נוצרת דרישת הון עצמי נוספת. לכן כדאי שלא לבנות את העסקה על המקסימום האפשרי בלבד אלא להשאיר מרווח.
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