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הבנק בודק את היכולת לעמוד בהחזרים גם בתרחישים פחות נוחים. משפחה צריכה לחשב מה יקרה אם הריבית תעלה, אם אחד מבני הזוג יעבוד פחות או אם יגדלו ההוצאות.

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