{"profile":{"id":"286ec64c-4b0d-4e78-8f27-96bd5cd0159b","slug":"sonmashkanta-ein-yaakov-22e9","business_name":"אורי שמואל","website_url":"https://www.sonmashkanta.com","industry":"Mortgage broker","city":"Ein Ya'akov","services":[{"category":"service","price_range":null,"service_area":null,"service_name":"First Mortgage Consultation","target_customer":"Young couples","factual_description":"Guidance for young couples, including eligibility checks, portfolio construction, interest rate bidding, and support until signing.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Mortgage Refinancing","target_customer":"Existing mortgage holders","factual_description":"Free assessment of potential savings. 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(2) בניית פרופיל פיננסי — הכנסות, חובות, הון עצמי, מטרת הנכס. (3) תכנון תמהיל אישי — חלוקה בין מסלולים (פריים, קבועה, משתנה). (4) מכרז ריביות מול כל הבנקים במקביל — לוקח 7-10 ימי עסקים. (5) השוואה ובחירה — אסביר את ההבדלים ההלכותיים בין ההצעות, ולא רק את הריבית הנקובה. (6) ליווי בכל פגישה אצל הבנק עד החתימה הסופית. אחרי החתימה — אני נשאר זמין לכל שאלה, גם שנים אחרי.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-05-28T11:31:08.058265+00:00","updated_at":"2026-06-29T14:59:16.931+00:00","faq":[{"answer":"פגישת ‍היכרות ‍אצלי ‍היא ‍ללא ​עלות ​וללא ‍התחייבות ​— ‍נכיר ​את ​המצב ​שלכם ​ואחזיר ​לכם ‍הערכת ​חיסכון ‍פוטנציאלי. ​שכר ‍טרחה ‍לליווי ‍מלא ​נע ‍בדרך ​כלל ​בין ‍5,000 ​ל-12,000 ‍₪, ‍תלוי ‍במורכבות ​התיק ‍(סכום ‍משכנתא, ​מספר ‍בנקים ‍בתחרות, ​ביטוחים ​נלווים, ​בקשות ​מיוחדות). ​התעריף ‍מוצג ‍בשקיפות ‍מלאה ​לפני ‍שאתם ​חותמים ​על ‍הסכם ‍ייעוץ. ‍בממוצע ‍— ​לקוחות ​חוסכים ‍בריבית ​עשרות ‍עד ​מאות ​אלפי ​ש\"ח ​לאורך ​חיי ‍המשכנתא, ​פי ‍10-30 ​משכר ‍הטרחה. ‍בקיצור: ‍זה ​הכי ‍משתלם ​שתעשו ​עם ‍הכסף ​שלכם ‍בעסקה ‍הגדולה ‍בחיים.","category":"general","question":"כמה עולה ייעוץ משכנתא פרטי בישראל?"},{"answer":"יועץ ‍של ‍הבנק ‍הוא ‍עובד ​הבנק ​— ‍שכרו ​והבונוסים ‍שלו ​תלויים ​ברווחיות ​הבנק, ​לא ​בחיסכון ‍שלכם. ​יועץ ‍פרטי, ​חבר ‍התאחדות ‍יועצי ‍המשכנתאות, ​מחויב ‍אתית ​לאינטרס ​הבלעדי ‍של ​הלקוח, ‍ועושה ‍מכרז ‍ריביות ​פעיל ‍מול ‍כל ​הבנקים ‍המסחריים ‍בישראל ​ללא ​יוצא ​מן ​הכלל. ​ההפרש ‍בין ‍הצעת ‍הבנק ​הראשונית ‍להצעה ​הסופית ​אחרי ‍ייעוץ ‍פרטי ‍מקצועי ‍הוא ​בממוצע ​0.3%-0.7% ‍ריבית, ​שמתורגם ‍ל-50,000-200,000 ​₪ ​לאורך ​25-30 ​שנה ​— ‍תלוי ​בגובה ‍המשכנתא.","category":"general","question":"האם כדאי יועץ משכנתאות פרטי או של הבנק?"},{"answer":"לפני. ‍הסיבה: ‍בלי ‍בדיקה ‍מקדימה ​אתם ​לא ‍יודעים ​כמה ‍משכנתא ​הבנקים ​יאשרו, ​איזו ​ריבית ​רלוונטית ‍עבור ​הפרופיל ‍הפיננסי ​שלכם, ‍ומה ‍התקציב ‍הריאלי ​לדירה. ‍פנייה ​מוקדמת ​חוסכת ‍תרגומים ​מאכזבים ‍סביב ‍נכס ‍שאינו ​מתאים ‍תקציבית, ‍ומונעת ​לחץ ‍זמן ‍מול ​קבלן ​או ​מוכר ​שמכתיב ​תאריך ‍חתימה. ‍הפגישה ‍הראשונה ​אצלי ‍חינמית ​ומסבירה ​לכם ‍תוך ‍30 ‍דקות ‍מה ​אפשרי.","category":"general","question":"מתי צריך לפנות ליועץ משכנתאות — לפני או אחרי שמוצאים דירה?"},{"answer":"התהליך ‍מתחלק ‍ל-6 ‍שלבים: ‍(1) ​שיחת ​היכרות ‍חינמית ​של ‍30-45 ​דקות ​בטלפון ​או ​בזום. ​(2) ‍בניית ​פרופיל ‍פיננסי ​— ‍הכנסות, ‍חובות, ‍הון ​עצמי, ‍מטרת ​הנכס. ​(3) ‍תכנון ​תמהיל ‍אישי ‍— ‍חלוקה ​בין ‍מסלולים ‍(פריים, ​קבועה, ‍משתנה). ‍(4) ​מכרז ​ריביות ​מול ​כל ​הבנקים ‍במקביל ‍— ‍לוקח ​7-10 ‍ימי ​עסקים. ​(5) ‍השוואה ‍ובחירה ‍— ‍אסביר ​את ​ההבדלים ‍ההלכותיים ​בין ‍ההצעות, ​ולא ​רק ​את ​הריבית ​הנקובה. ‍(6) ​ליווי ‍בכל ​פגישה ‍אצל ‍הבנק ‍עד ​החתימה ‍הסופית. ​אחרי ​החתימה ‍— ​אני ‍נשאר ‍זמין ‍לכל ​שאלה, ‍גם ‍שנים ​אחרי.","category":"general","question":"איך עובד תהליך הייעוץ אצלך?"}],"country":"Israel","og_image_url":null,"industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in Ein Ya'akov — MBA-level financial expertise","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"Ein Ya'akov","region":null,"street":null,"country":"IL","postal_code":null},"geo_coordinates":{"lat":33.0111714,"lng":35.2285214},"service_areas":["Ein Ya'akov"],"phone":"+972527777847","hours_by_day":[{"day":"monday","open":"08:00","close":"18:00"},{"day":"tuesday","open":"08:00","close":"18:00"},{"day":"wednesday","open":"08:00","close":"18:00"},{"day":"thursday","open":"08:00","close":"18:00"},{"day":"friday","open":"08:00","close":"14:00"},{"day":"saturday","open":"00:00","close":"00:00","is_closed":true},{"day":"sunday","open":"08:00","close":"18:00"}],"price_range":null,"review_summary":{"sources":[{"count":12,"rating":5,"platform":"google"}],"total_count":12,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":12},"average_rating":5,"weighted_reputation_score":3.99},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["MBA in Finance background"],"differentiators":[],"social_profiles":[{"url":"https://www.facebook.com/732687567162676","platform":"facebook"},{"url":"https://wa.me/972527777847?text=%D7%A9%D7%9C%D7%95%D7%9D%2C%20%D7%90%D7%A0%D7%99%20%D7%9E%D7%A2%D7%95%D7%A0%D7%99%D7%99%D7%9F%20%D7%91%D7%99%D7%99%D7%A2%D7%95%D7%A5%20%D7%9E%D7%A9%D7%9B%D7%A0%D7%AA%D7%90","platform":"whatsapp"}],"citations":[],"last_verified_at":"2026-05-28T11:31:08.04+00:00","data_sources":["Website Scan","Social Media Profiles","AI Content Analysis"],"languages_supported":["he","en"],"profile_language":"en","ai_readability_score":40,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"An Ein Yaakov mortgage broker, Uri Shmuel specializes in first mortgage consultations, mortgage refinancing, and mortgages for new construction. 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