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פורום משכנתאות

פורום משכנתאות עוסק בכל האספקטים, בכל השאלות והנושאים שקשורים לאחד הנושאים הגדולים והמורכבים - משכנתא. ספרו לנו על הצעות שקיבלתם.

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מאיר וידר
מאיר וידר

וידר משכנתאות מתמחה בייעוץ אישי למשכנתאות. היתרון הגדול שלנו הינו בידע המקצועי הרב של יועצי המשכנתאות ובניסיון המעשי שנרכש בטיפול בלוקחי משכנתא חדשה ובממחזרי משכנתא קיימת. אנו בעלי ניסיון רב בעבודה מול המערכת הבנקאית בישראל.

רונן עקיבא
רונן עקיבא

חברת ARAD משכנתאות בניהולו של רונן עקיבא, תעמוד לצידך בכל שלב של תהליך לקיחת המשכנתא בבנק. חברת ARAD משכנתאות היא חברה המתמחה בתחום ייעוץ למשכנתאות ומעמידה לרשותך צוות יועצים מהשורה הראשונה, כלכלנים ויועצי משכנתאות.

כתוב נושא חדש
הודעה / מחבר
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14/01/2018 10:15

היי,
לאחרונה אני רואה לא מעט גולשים בפורום שמחפשים מידע על הלוואת בלון לרכב וכן חברה שניתן לקחת ממנה הלוואה כזו.
מצאתי היום באתר של חברה כזו מאמר מקיף בנושא שיוכל לעזור לדעתי ללא מעט גולשים,
זה הקישור למעוניינים: הלוואת בלון לרכב
בהצלחה!

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שאלה
30/06/2012 17:10

שלום יש לי שאלה אני חד הורית משתכרת מ 3500 ש"ח יש לי ילדה אחת אני משלמת שכירות של 1500 ש"ח (דירה של משפחה) אני גרה במרכז הארץ ,רציתי לקנות דירה ב 300000 ש"ח משהו קטן בדרום חדר אחד ועם השכירות של הדירה בסביבות 1200 ש"ח לשלם את המשכנתא הבעיה היא שאין לי הון עצמי האם בנק כלשהו יתן לי משכתנתא של 300000 ללא הון עצמי כי בכל זאת הסכום לא גבוה??
הבעיה שאין לי מאיפה לחסוך ואני בכל זאת רוצה שיהייה לי משהו בעתיד.

משכנתא ראשונה
01/07/2012 08:26

בשביל לרכוש דירה, את זקוקה להון עצמי של לפחות 30% משווי הנכס
הבנקים לא נותנים היום משכנתאות של 100% משווי הנכס
אני ממליץ לך לחסוך הון עצמי ורק לאחר מכן ללכת לרכוש דירה ולקחת משכנתא

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
My Little Pony в кино мультфильмы онлайн 02.12.2017 e f p
01/12/2017 23:45

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עזרה בתמהיל משכנתא
24/06/2012 23:38

אנחנו זוג בני 30 עם 2 ילדים  בגנים פרטיים הכנסה של 15 K  נטו.
הון עצמי 670,000
משכנתא של מיליון (60 אחוז מערך הנכס)
 
יכול להחזיר עד 4000 ש"ח
תמהיל,:
670,000 -ריבית משתנה כל 5 שנים- ריבית 1.8 ל- 26 שנה
330,000- פריים מינוס 0.9  ל-30 שנה

החזר 4100 (שזה המקסימום שלי)

יש מקום לשינוי התמהיל?


RE: עזרה בתמהיל משכנתא
24/06/2012 23:58

שלום רב לירון
כן, ים מקום לשינוי התמהיל
ציינת החזר של מקסימום 4,100 ש"ח. קחו בחשבון שזהו התשלום הראשון, מפה זה יכול רק לעלות
הריביות טובות יחסית, אך לא נראה לי שהתמהיל טוב עבורכם
לדעתי צריך לבחון אתכם יותר לעומק , עם מחשבה לעתיד ( ילד נוסף, מתי לא תשלמו גנים, הגדלת הכנסה, הכנסה עתידית)
עדיף להתייעץ עם יועץ חיצוני לבנק , הבנק בטוח ישמח לתת לכם משכנתא

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תמהיל..
25/06/2012 00:06

התכוונתי החזר התחלתי של מקסימום 4100 כדי שנעמוד בתשלומים לגנים...למה התמהיל לא טוב?

תמהיל
25/06/2012 00:11

איזה עוד מסלול ניתן לשלב פה??

RE: תמהיל
25/06/2012 00:17

יש לכם קופות גמל? קרן התשלמות?
סכום כסף שאמור להשתחרר מתישהו?

רונן עקיבא
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תמהיל
25/06/2012 00:21

יש לנו קרןה השתלמוות אבל אנו מתכננים טיול איתה...60 אלף...
קופת גמל יש ..

RE: תמהיל..
25/06/2012 00:16

זה לא שהתמהיל לא טוב, התמהיל לא עונה לצרכים שלך כפי שאתה הגדרת 4100 ש"ח
שים לב, לא כדאי לעבור את ה-25% מההכנסה

רונן עקיבא
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תמהיל
25/06/2012 00:19

זה אפשרי להגיע להחזר חודשי נמוך יותר ? במסלולים אחרים? כי הבנתי מהבנק שלא...האם זה נכון?

RE: תמהיל
25/06/2012 00:32

או קיי
אפשר למשל לקחת חלק בגרייס לשנה או שנתיים עד שהילדים ייסמו עם הגנים הפרטיים ואז התפנה לך חלק ניכר בתקציב
צריך לעשות תכנון מדוייק של הנושא

רונן עקיבא
072-2370055 
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לקיחת משכנתא
22/06/2012 11:31

שלום רב, זוג עם שלושה ילדים, בעלי הון של 300,000, רוצים לרכוש דירה ב1600000, הכנסה ממוצעת 18000, מה המסלול הטוב ביותר עבורנו??

RE: לקיחת משכנתא
24/06/2012 06:06

שלום רב,
המסלול הטוב ביותר עבורכם הוא לחשוב עוד מספר פעמים ולהתייעץ שוב ושוב לפני צעד שכזה.
משכנתא של 1,300,000 ( לפני הוצאות נילוות אני מניח  - שיכולות להוסיף עוד 150,000 ) שמהווה בנוסף 81.25% מימון.
רמת הסיכון שלכם גבוהה מידיי, לא הייתי ממליץ לכם לעשות צעד שכזה. ובמידה ןכן תחליטו, תצטרכו ייעוץ ותכנון אופטמיאלי

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תודה על התגובה,עוד מספר שאלות
24/06/2012 06:39

ברור לי שזה אחוז מימון גבוה,גם לבנק זה ברור אבל האם לא עדיף לעשות כזה צעד מאשר להמשיך לשלם שכ״ד??? בבנקים שנפגשתי איתם הציעו לי מספר מסלולים ולא נתנו לי את התחושה שזה בשמיים, האם כי הם חיזרו אחרי וביקשו למכור לי את המשכנתא?? מה היית מייעץ לנו לעשות?? המחירים רק הולכים ועולים,,,,

תודה על התגובה,עוד מספר שאלות
24/06/2012 06:39

ברור לי שזה אחוז מימון גבוה,גם לבנק זה ברור אבל האם לא עדיף לעשות כזה צעד מאשר להמשיך לשלם שכ״ד??? בבנקים שנפגשתי איתם הציעו לי מספר מסלולים ולא נתנו לי את התחושה שזה בשמיים, האם כי הם חיזרו אחרי וביקשו למכור לי את המשכנתא?? מה היית מייעץ לנו לעשות?? המחירים רק הולכים ועולים,,,,

RE: תודה על התגובה,עוד מספר שאלות
24/06/2012 07:53

שלום רב, 2 המלצות: לבדוק בית זול יותר וללכת ליועץ משכנתאות חיצוני לבנק

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הלוואת בלון
15/06/2012 14:43

שלום, אנחנו זוג צעיר ללא ילדים ומעוניינים לקנות נכס בשווי 1.4 מיליון ש"ח. ברשותנו הון עצמי של 600 אלף שקלים ואנו רוצים לקחת מכשנתא על הסכום הנותר. לבן זוגי קרן השתלמות שאמורה להשתחרר בעוד חמש שנים. התחלנו להתעניין קצת ואמרו לנו שאולי תתאים לנו הלוואת בלון. רציתי לדעת מה זה אומר בדיוק והאם זה באמת מתאים לנו?

RE: הלוואת בלון
17/06/2012 08:53

שלום רב,
הלוואות בלון, הינה הלוואה שבה משולם החלק של הריבית בלבד. הקרן נשארת כמו ביום לקיחתה
הלוואה זו הינה לזמן קצוב.. כאשר במטרה היא להקטין את ההחזר החודשי בגינה וזאת כאשר יודעם שיש סכום כסף האמור להשתחרר בעתיד ( במקרה שלכם קרן התשלמות )
כן, זה כדאי מבחינתם לקחת הלוואה שכזו על החלק היחסי של קרן ההתשלמת

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הלוואת בלון
19/06/2012 20:15

היי
בעקרון יש שני סוגים של הלוואת בלון (בלון מלא וחלקי)

Torn, Ronar, Rhobar and Gancka Bolivia
19/09/2017 00:52

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תמהיל משכנתא
23/01/2017 15:45

היי
קצת רקע 
שווי דירה 1,300000-1,350000  משכנתא 800 אלף מכניסים ביחד כ11.5-12 א' 
הצעה שקיבלתי 
אשמח להערות בנושא 

איפה
04/05/2017 23:33

היי,

איך בדיוק ואיפה עושים מחזור משכנתא?
אני אשמח לעשות זאת.

איפה
04/05/2017 23:33

היי,

איך בדיוק ואיפה עושים מחזור משכנתא?
אני אשמח לעשות זאת.

לווה משכנתא שנפטר
09/06/2017 23:14

בעלי חתום כלווה משכנתא ביחד עם חתני,הבנק התנה את קבלת המשכנתא בכך אולם לא ביקש שיעשה ביטוח חיים כנגד המשכנתא ולא החתימו כלל על כתב ויתור פשוט לא האירו את ענינו ביקשו רק ביטוח מחתני ובתי לצערי ו בעלי נפטר לאחר מחלה קשה  ועכשיו התשלומים מכבידים מאד עלי כאלמנה.
האם אוכל לפנות לעורך דין מומחה כדי לדרוש מהבנק לחסל את חובו כלפי המשכנתא ואיך עלי לפעול?
תודה מראש לתשובתכם.

3% הלוואה ההצעה
05/05/2017 18:40

יום טוב,
 
זה כדי להודיע לך על ההצעה שלנו ההלוואה ב, אנו מציעים פרטית, מסחרי הלוואות אישיות עם ריבית מינימלית מאוד נמוך כמו 3% בתוך 1-20 שנים תקופת החזר תשלום ואתה יכול ללוות בין 1,000 שקל ו 5,00,000 שקל באינטרנט , עם זאת, אם אתה מעוניין בחביבות דוא"ל לנו בכתובת: accessloanfirm2030@gmail.com
 
היתרון העיקרי של קבלת הלוואות מחברת ההלוואה גישה כי בטחונות אינה נדרשת, עלויות העסקה הם מינימליים ואתה לא צריך למלא הר הניירת.
 
תשובה באמצעות דואר אלקטרוני אם אתה מעוניין לקבל הלוואה מאיתנו בחביבות ליישם באמצעות דוא"ל.
שלח לנו דוא"ל בכתובת: accessloanfirm2030@gmail.com
 
בעל חברה
מר סקוט
שלח לנו דוא"ל בכתובת: accessloanfirm2030@gmail.com
 
 

יש הבדל אם אני לוקח משכנתא לדירה חדשה או ישנה?
02/01/2015 09:45
אין הבדל בין משכנתא ליד 1 או 2
02/01/2015 09:48

כל עוד הכסף מועבר ישירות למוכר, אין שום בעיה

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
אין הבדל
03/07/2016 14:55
אחר
08/02/2017 12:45

האפליקציה הראשונה שבודקת אם אתם חוסכים בקרן הפנסיה הנכונה - השוואת קרנות פנסיה.

גרירת משכנתא - דחוף
28/04/2015 21:33

ערב טוב, ברשותנו דירה ועליה משכנתא, אנו מעוניינים לעבור לדירה אחרת ואף מצאנו קונה לדירתנו הנוכחית. אין לנו צורך לשנות דבר במשכנתא ולא להגדילה אלא רק לגרור אותה לדירה החדשה. הבעיה היא שבעלי כרגע לא עובד (עתיד להתחיל לעבוד בקרוב) ולכן לא יהיו לנו תלושים שלו להציג. האם זה עשוי להוות בעיה בגרירה ?

RE: גרירת משכנתא - דחוף
28/04/2015 21:49

חוסר הכנסות יכולות להוות בעיה בגרירת משכנתא

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
תודה ועוד שאלה
28/04/2015 21:55

תודה רבה... העניין שלא מובן לי הוא שבכל מקרה המשכנתא לא משתנה ונמשיך לשלם אותה, אין לנו בעיית תשלומים מעולם לא הייתה. שכחתי לציין שאני נכת צה"ל ומקבלת קצבת נכות קבועה נוסף לעבודתי, האם תלוש הקצבה יוכל לשמש כרגע במקום תלוש השכר של בעלי ?

RE: תודה ועוד שאלה
28/04/2015 22:03

זה תלוי איזו קצבה
יש נכויות שהבנקים מתייחסים בתור הכנסה ויש כאלו שלא

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
תודה רבה על ההתייחסות המהירה
28/04/2015 22:06
לא בטוחה
03/07/2016 11:49

אני לא בטוחה שזה עובד מול הבנק, יכול להיות שזה תלוי בגובה הקיצבה..



שערי מט"ח , טיסות לאודסהטיסות לאמסטרדםטיסות לטביליסי

תמהיל משכנתא לפני סגירה
08/07/2015 23:10

גובה נכס 1000,000 הלוואה בסה"כ 550,00
נשואי פלוס שניים הכנסה בין 9k ל 10k
תמהיל 1
250,000 20 שנה קל"ץ 3.8%
133,000 פריים 0.8- 30 שנה 
167,000 צמודה משתנה 5 שנים 2.04%
תמהיל 2
332,500 קל"ץ 20 שנה 3.8%
137,500 פריים 0.8- 30 שנה
80,000 צמודה משתנה כל 5 שנים 2.04%
איזה תמהיל יותר מומלץ? בראשון החזר 2600 ש"ח בשני החזר 2813 ש"ח. 
האמת נראה לי ששניהם גבוהים אבל כשהגעתי לבנקים אחרים הם אומרים שהרביות עלו (בגלל האג"ח) ולא בטוח שיוכלו להוריד, 
לפי מה שראיתי באתר נראה שאפשר לקבל יותר נמוך,  האם כן? 
והאם משהו יודע אם הריביות צפויות לרדת? 
עזרתכם בבקשה

RE: תמהיל משכנתא לפני סגירה
09/07/2015 08:16

ניתן לקבל ריביות נמוכות יותר אך כדאי לפרוס את המשכנתא לתקופה קצרה יותר

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
מעבר מת"א לנגב ...
05/01/2015 10:11

אני תושב תל אביב שמתכוון לעבור לנגב, אני יודע שהאיזור בו אני יגור הוא אזור מועדף, באיזה שלב אני אוכל לקבל הנחה על משכנתא?

משכנתא בפריפרייה
05/01/2015 10:40

יש הטבות למקומות מסויימים כשלוקחים משכנתא
אני ממליץ לך לבדוק דרך האתר של משרד הבינוי והשיכון

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
האם אקבל משכנתא
01/11/2015 17:31

שלום רב. אנו זוג צעיר עם חיסכון של כ 300,000 ש״ח. לצערי בשל חוסר מודעות יש לי 4 הערות שליליות על מכתבי התראה מהבנק. תמיד הסדרתי את המינוס ולכן מעולם לא ננקט נגדי שום דבר. זו הנגריה היחידה שלי כרגע.  לבן זוגי אין כלום. ברצוננו לקנות דירה בסכום של עד מיליון ש״ח. האם נוכל לקבל משכנתא? מה עלי לעשות? משכורתנו הינה 14,000 ש״ח ויש עבודות מסודרות והחשבון מנוהל בצורה תקינה מאוד. אני מפחדת ללכת ולהגיש בקשה לקבלת משכנתא ואשמח לעצתכם. תודה מראש. 

האם אלו ריביות טובות?
07/07/2015 08:32

שלום. ההצעה שקיבלו מה דעתכם? 150אלף-צמוד קבועה,ל20 שנה,2.3 233 אלף-צמוד משתנה כל 5,ל30 שנה,1.84 250אלף-לא צמוד פריים,ל30 שנה,0.9 150 אלף-לא צמוד קבועה,ל25 שנה,3.9 75%מימון.תודה מראש.

RE: האם אלו ריביות טובות?
07/07/2015 12:12

השאלה היא מאוד כללית

ממליץ לרשום פרטים מלאים

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
האם אלו ריביות טובות?
07/07/2015 16:04

לדוגמא איזה פרטים?לא הבנתי

RE: האם אלו ריביות טובות?
07/07/2015 16:25

הכנסות, שווי נכס, מהי יכולת ההחזר?
האם יש צפי לכספים עתידיים?

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
האם אלו ריביות טובות?
07/07/2015 18:18

הבנתי.תודה. שווי הנכס 1045000 75%מימיון הכנסה 15000 בחודש החזר כספי עד 3500

RE: האם אלו ריביות טובות?
07/07/2015 18:36

כדאי לבדוק עלייה בהחזר החודשי

ההחזר החודשי מאוד נמוך ביחס לגובה המשכנתא
סה"כ מבחינת הרכב וריביות כדאי לשנות ולקצר תקופה

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
האם אלו ריביות טובות?
07/07/2015 19:38

תודה רבה על המלצה.

לקחת משכנתא או להשתמש בחסכונות הביטוח
18/03/2015 19:07

שלום,
אני מעוניינת לעבור דירה ושוקלת האם לקחת משכנתא או לפדות את תוכנית החסכון הפנסיוני שברשותי, תוכנית מבביטוח ישן (מלפני 20 שנה).

מה עדיף, לקחת משכנתא או לפדות את כספי הביטוח?

RE: לקחת משכנתא או להשתמש בחסכונות הביטוח
29/05/2015 14:14

צריך לראות כמה הון עצמי יש לך וכמה כסף יש לך בחיסכון הביטוחי
על פניו, לא מומלץ לפדות פנסיה

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
כושר החזר
28/05/2015 10:09

שלום
אני לקראת קניית דירה להשקעה בשותפות עם חבר ואנחנו מעוניין לקחת עליה משכנתא של 1,300,000 ש"ח
הצפי לשכירות מהדירה היא 5,000 ש"ח.
כיום אנחנו משלמים שכירות 5,000 ש"ח יחד.
ויש רק לאחד החזר הלוואה של 1050 ש"ח בחודש.
בנוסף יש לשניינו יחד 3 ילדים.
אנחנו מעוניינים לקחת את המשכנתא ל 30 שנה, ואמרו לנו שאפשר להגיע להחזר של 5,270 ש"ח בחודש
ו+ ביטוחים זה יהיה 5,800 ש"ח בחודש.
השאלה שלי היא לפי הנתונים האלו כמה הכנסות (לא פנויות אלא סה"כ) אנחנו צריכים יחד כדי שההחזר לא יהיה יותר מ 30 אחוז מההכנסות ?
תודה רבה
שלמה

יכולת החזר
28/05/2015 10:29

שלום,

תוכלו לקבל משכנתא עם ההכנסה שלכם עומדת על פי 3-4 מגובה ההחזר החודשי לטובת משכנתא

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
לא הבנתי
28/05/2015 10:54

את זה שזה צריך להיות פי 3 או 4 אני יודע.
אני רק לא יודע איך מחשבים תלויים ?
ואם ההשקעה מכסה את השכירות של שניינו, האם עדיין צריך להוריד את השכירות מתחשיב ההכנסות הפנויות ?
וכן מה קורה עם החזר ההלוואה שיש לי ?
תודה רבה

RE: לא הבנתי
28/05/2015 12:31

ההלוואה יורדת מסך יכולת ההחזר
לגבי יכולת ההחזר - הכל פונקציה של הכנסה כוללת
הבנקים מאפשרים עד 40% מסך ההכנסות להחזיר לטובת משכנתא והלוואות

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
מיחזור משכנתא
28/01/2015 16:03

רכשתי דירה על הנייר. צפי לאיכלוס 4/2016.

משכנתא של 675,000 שח שנלקחה במזרחי-טפחות ב-1.12.13 לפי התמהיל הבא:
224,000 פריים ל-30 שנה בריבית P-0.85%
301,000 קלצ ל-19 שנה בריבית 4.3%
100,000 קלצ ל-19 שנה בריבית 4.3%
50,000 משתנה כל 5 שנים, לא צמודה, ל-25 שנה בריבית 3.95%

החזר חודשי התחלתי של כ-3,550 ש"ח לחודש.
נכון להיום ההלואה עומדת על 652,000 ש"ח.
גובה כל עמלות (בעיקר היוון של קל"צ) לכל ההלוואה 30,000 ש"ח.
ב-22.2.15 זה עשוי להשתנות קצת.
עוד כשנה, בתחילת השנה השלישית, יש הנחה של 20% מעמלת היוון.

כיום יש ריביות טובות יותר. קל"צ 3% וכד'.
אלא שהבנק הציע לי ריביות גבוהות של 3.7% באופן שעם עמלת ההיוון לא משתלם לי לבצע מיחזור.
מאידך, בנק אחר דורש טופס 4 לשם מיחזור משכנתא, כלומר להמתין כשנה וחצי, עד אז הריביות לא יהיו בהכרח משתלמות למיחזור.

1. האם ניתן לבצע מיחזור ללא טופס 4? (אמרו לי לבקש מהקבלן התחייבות כלשהי-לא כ"כ הבנתי).
2. מדוע לא ניתן לבצע מישכון של הבנק החדש במקום הקודם?
3. האם ידוע לכם על בדיקת הנושא מול המפקח על הבנקים?
4. איזה אופציות אחרות הגיוניות וכלכליות עומדות בפניי?

תודה.



אין מענה באתר?
26/02/2015 11:06
לא ניתן למחזר ללא טופס 4
26/02/2015 11:45

אתם לא יכולים למחזר עד שלא תקבלו טופס 4

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
סכום אופימלי
02/02/2014 15:40

האם יש סכום אופימלי אותו כדאי לי להשקיע כהון עצמי בדירה ובמקביל סכום אופטימלי למשכנתא ל-15 שנה ?

הון עצמי למשכנתא
03/02/2015 13:05

ברור שככל שההון העצמי שלך גבוה יותר תוכל לקבל מהבנק ריביות טובות יותר. בנוסף ככל שסך ההלוואה קטן יותר סכום הריביות נמוך יותר.

משכנתא - כמה הון ראשוני?
22/01/2015 12:14

רציתי לשאול כמה אחוזים מערך הבית היום משלמים? 30 אחוז או 40 אחוז?
תודה
קרן

הון עצמי למשכנתא
22/01/2015 12:27

אפשר לקחת משכנתא גם ב-70% מימון וגם ב-80% מימון עם EMI
זה הכל תלוי בצרכים שלכם וביכולת ההחזר שלכם

מאיר וידר,
יועץ משכנתאות
073-7294778
meir@vider.co.il
מובהר בזאת כי אין באמור בפורומים בכדי לשמש כייעוץ כלשהו לביצוע פעולה כלשהי והגולש מתבקש לבצע ו/או להתייעץ עם מומחים ו/או יועצים טרם ביצוע פעולה כלשהיא ובכל מקרה הגולש מאשר בזאת כי הוא יהיה אחראי באופן בלעדי לכל פעולה שתעשה על ידו בהסתמך על האמור בפורומים וכי המפעילה ו/או מנהלי הפורומים לא יהיו אחראים בגין הסתמכות על תוכן המפורסם באתר, הכול כמפורט בהרחבה בתנאי השימוש של האתר.
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