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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. 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