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כאשר בודקים כדאיות של מיחזור, יש להשוות לא רק את ההחזר הראשון אלא את העלות הכוללת עד סוף התקופה. פריסה ארוכה יותר עלולה להסתיר מחיר יקר יותר.
במיחזור משכנתא כדאי לשקול גם קיצור תקופה אם ההכנסה השתפרה. הגדלת ההחזר במידה סבירה יכולה לחסוך סכומי ריבית משמעותיים לאורך חיי ההלוואה.