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הסכמי משכנתא לגיל השלישי צריכים לכלול פירוט עלויות מלא: ריבית נומינלית, אפקטיבית, עמלות וביטוחים, כדי לאפשר השוואה שקופה.
ייעוץ משכנתאות מקיף מתייחס גם לביטוחי חיים ונכס, להשוואת הצעות ולהפחתת פרמיות, כך שתשלמו פחות על כיסויים הכרחיים ותרוויחו הגנה הולמת לאורך כל חיי ההלוואה.