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הריבית יש תחושה (מוצדקת יש לומר) שאנחנו נמצאים בסוג של \"שפל\" ריביות והריבית כל כך נמוכה שכדאי מאוד לקבע אותה לטווח הארוך ובכך ליהנות ממנה לאורך זמן. אני מאוד בעד הנושא הזה, אני חושב שחלק מהמשכנתא חייב להיות בריבית קבועה לא צמודה כל מנת להבטיח יציבות ועוגן חזק להלוואה (חשבתי כך כשהריבית הייתה בגובה 3.5% ואני כמובן חושב על כך היום כשהריבית ירדה ל- 2.75%).","@type":"Answer"}}]}],"@context":"https://schema.org"},"created_at":"2026-05-20T01:34:22.356208+00:00","updated_at":"2026-07-03T20:12:21.561+00:00","faq":[{"answer":"צריך לחלק את התשובה הזו למספר חלקים, כל חלק ידבר על קבוצת מסלולים מסויימת ושונה, כי לכל מסלול יש מאפיינים שונים שגורמים לכך שנרגיש בו את הירידה בקצב שונה. אז אני מסדר לכם את השנוא ואומר לכם מתי תרגישו את הירידה בכל מסלול:","category":"general","question":"שאלה 1: מתי נרגיש את הירידה בריבית?"},{"answer":"מחזור משכנתא משמעותו הוא החלפת המשכנתא הקיימת במשכנתא חדשה. היום יש לומר יש \"גל מחזורים\" גדול שרק יילך ויתעצם בחודשים הקרובים, מכיוון שכל האנשים שלקחו בשנים האחרונות 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