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בבחינת משכנתא, הבנק מתייחס גם לסוג התעסוקה של הלווים. שכיר, עצמאי או הכנסה מעסק משפיעים על אופן חישוב היציבות ועל המסמכים שיידרשו.
במסלולי משכנתא לגיל השלישי ניתן לשלב פריסה ארוכה, ריבית קבועה או משתנה, והחזר חודשי נמוך במיוחד, כדי להקל על עומס ההחזרים בתקציב המבוסס על קצבה.
יועץ פרטי מתאם בין שחרור שעבודים קיימים לבין רישום שעבוד חדש, כדי להבטיח מעבר חלק במחזור ולהימנע מעלויות כפולות או עיכובים מיותרים.