משכנתא לרכישת דירה
חלומו של כל זוג צעיר בישראל הוא לרכוש בית. לשם מימוש החלום לרוב עולה הצורך בנטילת הלוואה ארוכת טווח, כשהנכס משמש כעירבון עבור הבנק. הלוואה מסוג זה מכונה "משכנתא", והיא כרוכה בהחזרים חודשיים, העשויים להגיע עד לשליש מההכנסה החודשית הפנויה של המשפחה. המשכנתא הינה, למעשה, ההוצאה הגבוהה ביותר בסל ההוצאות המשפחתי, וככל שהדבר נוגע להתחייבות כה גדולה וארוכה בשנים, מומלץ להשקיע מחשבה וזמן, על מנת להגיע להחלטה מושכלת מהראש ושאינה נובעת מהבטן וממקור רגשי. מרבית המשפחות מתחילות את תהליך מימושו של החלום לבית על פי מגוון שיקולים רחב לרבות מיקום גיאוגרפי, גודל ומספר החדרים, קירבה אל מקום עבודה, קירבה אל מוסדות חינוך ומוסדות אחרים וכדומה.
לאחר מציאת הנכס נוהגות מרבית המשפחות לחשוב על סוג המשכנתא וגובה החזריה, וכאן נעוצה הטעות. צחי גרוסמן יועץ משכנתאות פרטי מציין כי ישנם פרמטרים בסיסיים עליהם יש לתת את הדעת לפי הליך נטילת משכנתא;
כיצד לבחור משכנתא לרכישת דירה?
לא פעם קורה התרחיש שבו המשפחה מוצאת את "הנכס האידיאלי", כש"בית החלומות" הינו במחיר שאין המשפחה יכולה לעמוד בו, והיא נוטלת משכנתא שמעבר ליכולתה הכלכלית, כשצמצום ההכנסה הפנויה לאורך זמן מבלי לחשב תרחישים עתידיים כגון הרחבת המשפחה, ושינויים עתידיים צפויים ובלתי צפויים, מהווה המשכנתא שלא נבחרה באופן מושכל כגורם שאינו פוגע ברמת החיים ואיכותה בלבד, אלא מהווה גם בנוסף לכך מקור לסיכון פיננסי בלתי מחושב. על מנת שההחלטה תהיה מושכלת מומלץ לחשב מראש את גובה ההחזר החודשי המרבי של המשכנתא, שבו המשפחה מסוגלת לעמוד, לבחון משכנתאות בהתאם לרמת מסוגלותה הפיננסית, ורק לאחר מכן לחפש את בית החלומות מבין היצע הבתים המותאם ליכולותיה הכלכליות של המשפחה.
כיצד מחושבת המשכנתא לרכישת דירה?
הבנקים מפעילים אמנם שיקול דעת ואינם מאשרים נטילת הלוואה ללא עמידה בקריטריונים מסוימים, אך יחד עם זאת חשוב לזכור כי הנכס משועבד לבנק, ובמידה והלווה נקלע לקשיים, ואינו מסוגל לעמוד בתנאי ההחזר החודשי, שהרי הבנק הוא זה שמממש את הנכס, כך שמי שנוטל את הסיכון הוא הלווה ולא הבנק. עלותו של הבית האידיאלי מורכב מההון העצמי שברשות המשפחה והמשכנתא. ההחזר החודשי המרבי בו יכולה משפחה לעמוד עומד על שליש הכנסתה הפנויה. יש לקחת בחשבון את עלויותיהם של ביטוח הנכס וביטוח החיים, ופרמטרים אחרים כגון עליית המדד והריבית, וכן ליטול גם מקדמי ביטחון נוספים. מומלץ להיוועץ באנשי מקצוע מיומנים כדוגמת יועצי משכנתאות, על מנת להתאים את המשכנתא האופטימאלית ליכולותיה וצרכיה של המשפחה.
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