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לפני הגשת בקשה למשכנתא, כדאי לצמצם שימוש באשראי מתגלגל ולמנוע חזרות של הוראות קבע. התנהלות יציבה מעלה אמון ומציגה יכולת החזר אמינה יותר לבנק.