במיחזור משכנתא אפשר לעיתים לשלב כסף נוסף לשיפוץ או לסגירת חובות, אך חשוב לא להעמיס מעבר ליכולת. כל תוספת מגדילה את הסיכון ואת סך העלות העתידית.
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