{"id":183,"date":"2017-06-25T17:34:46","date_gmt":"2017-06-25T17:34:46","guid":{"rendered":"http:\/\/www.ibank.org.il\/en\/?p=183"},"modified":"2018-08-01T20:43:16","modified_gmt":"2018-08-01T20:43:16","slug":"financing-of-purchasing-groups-analytical-examination","status":"publish","type":"post","link":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/","title":{"rendered":"Financing of Purchasing Groups \u2013 Analytical Examination"},"content":{"rendered":"<p>Eitan Peled<\/p>\n<p>The purchasing group has unique characteristics that distinguishes it from companies or individuals operating in the<br \/>\nreal estate market, and the Bank of Israel and the banking system must take into account these differences and provide the<br \/>\nGroup with financing based on an analysis of risks deriving from the characteristics and nature of the purchasing group.<br \/>\nBank of Israel guidelines for financing the purchasing groups, and an analysis of the banks&amp;#39; approach to financial<br \/>\naccompaniment of purchasing groups should be reconsidered.<br \/>\nThis article has raised many aspects that deserve attention from the banking system, which can change the business<br \/>\nvision of financing purchasing groups.<br \/>\nThe article points to the possibility that institutional investors and non-bank financing entities, which currently refrain<br \/>\nfrom financing purchasing groups, may find that the levels of financial risk are lower than previously estimated and that<br \/>\nthe tools at their disposal to secure their investment are better and stronger than those in many other real estate sectors<br \/>\nin which they operate.<br \/>\nComparing the financing of purchasing groups to finance construction projects entrepreneurs \/ contractors shows that<br \/>\nthe banking system adheres to the procedures and guidelines of the Bank of Israel without examining them on a case-<br \/>\nby-case basis. An analysis of the factors that affect the financing risks of the purchasing group, compared to financing<br \/>\nconstruction projects by entrepreneurs or contractors, shows that in many parameters, and more significant there is an<br \/>\nadvantage for purchasing groups over entrepreneurs\/ contractors or individuals who purchase a residential apartment<br \/>\n(Taking a mortgage).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>analysis of risks deriving from the characteristics and nature of the purchasing group<\/p>\n","protected":false},"author":1,"featured_media":194,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-183","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel\" \/>\n<meta property=\"og:description\" content=\"analysis of risks deriving from the characteristics and nature of the purchasing group\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/\" \/>\n<meta property=\"og:site_name\" content=\"The Association of Banks in Israel\" \/>\n<meta property=\"article:published_time\" content=\"2017-06-25T17:34:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-08-01T20:43:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1241\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"The Association of Banks in Israel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Association of Banks in Israel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/\"},\"author\":{\"name\":\"The Association of Banks in Israel\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/#\\\/schema\\\/person\\\/c2d7d8afdc727a6eeb3c461bde73fd35\"},\"headline\":\"Financing of Purchasing Groups \u2013 Analytical Examination\",\"datePublished\":\"2017-06-25T17:34:46+00:00\",\"dateModified\":\"2018-08-01T20:43:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/\"},\"wordCount\":260,\"image\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/wp-content\\\/uploads\\\/2018\\\/07\\\/architecture-1541086_1920.jpg\",\"articleSection\":[\"News\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/\",\"url\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/\",\"name\":\"Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/wp-content\\\/uploads\\\/2018\\\/07\\\/architecture-1541086_1920.jpg\",\"datePublished\":\"2017-06-25T17:34:46+00:00\",\"dateModified\":\"2018-08-01T20:43:16+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/#\\\/schema\\\/person\\\/c2d7d8afdc727a6eeb3c461bde73fd35\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/wp-content\\\/uploads\\\/2018\\\/07\\\/architecture-1541086_1920.jpg\",\"contentUrl\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/wp-content\\\/uploads\\\/2018\\\/07\\\/architecture-1541086_1920.jpg\",\"width\":1920,\"height\":1241},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/financing-of-purchasing-groups-analytical-examination\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financing of Purchasing Groups \u2013 Analytical Examination\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/\",\"name\":\"The Association of Banks in Israel\",\"description\":\"An overseeing organization for all commercial, mortgage and investment banks\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.ibank.org.il\\\/en\\\/#\\\/schema\\\/person\\\/c2d7d8afdc727a6eeb3c461bde73fd35\",\"name\":\"The Association of Banks in Israel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g\",\"caption\":\"The Association of Banks in Israel\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/","og_locale":"en_US","og_type":"article","og_title":"Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel","og_description":"analysis of risks deriving from the characteristics and nature of the purchasing group","og_url":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/","og_site_name":"The Association of Banks in Israel","article_published_time":"2017-06-25T17:34:46+00:00","article_modified_time":"2018-08-01T20:43:16+00:00","og_image":[{"width":1920,"height":1241,"url":"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg","type":"image\/jpeg"}],"author":"The Association of Banks in Israel","twitter_card":"summary_large_image","twitter_misc":{"Written by":"The Association of Banks in Israel","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#article","isPartOf":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/"},"author":{"name":"The Association of Banks in Israel","@id":"https:\/\/www.ibank.org.il\/en\/#\/schema\/person\/c2d7d8afdc727a6eeb3c461bde73fd35"},"headline":"Financing of Purchasing Groups \u2013 Analytical Examination","datePublished":"2017-06-25T17:34:46+00:00","dateModified":"2018-08-01T20:43:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/"},"wordCount":260,"image":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#primaryimage"},"thumbnailUrl":"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg","articleSection":["News"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/","url":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/","name":"Financing of Purchasing Groups \u2013 Analytical Examination - The Association of Banks in Israel","isPartOf":{"@id":"https:\/\/www.ibank.org.il\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#primaryimage"},"image":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#primaryimage"},"thumbnailUrl":"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg","datePublished":"2017-06-25T17:34:46+00:00","dateModified":"2018-08-01T20:43:16+00:00","author":{"@id":"https:\/\/www.ibank.org.il\/en\/#\/schema\/person\/c2d7d8afdc727a6eeb3c461bde73fd35"},"breadcrumb":{"@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#primaryimage","url":"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg","contentUrl":"https:\/\/www.ibank.org.il\/en\/wp-content\/uploads\/2018\/07\/architecture-1541086_1920.jpg","width":1920,"height":1241},{"@type":"BreadcrumbList","@id":"https:\/\/www.ibank.org.il\/en\/financing-of-purchasing-groups-analytical-examination\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ibank.org.il\/en\/"},{"@type":"ListItem","position":2,"name":"Financing of Purchasing Groups \u2013 Analytical Examination"}]},{"@type":"WebSite","@id":"https:\/\/www.ibank.org.il\/en\/#website","url":"https:\/\/www.ibank.org.il\/en\/","name":"The Association of Banks in Israel","description":"An overseeing organization for all commercial, mortgage and investment banks","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ibank.org.il\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.ibank.org.il\/en\/#\/schema\/person\/c2d7d8afdc727a6eeb3c461bde73fd35","name":"The Association of Banks in Israel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1ee699f58650284540b41f1c924c335e3c67107dfd1ab03c9acd7761d5f94fa8?s=96&d=mm&r=g","caption":"The Association of Banks in Israel"}}]}},"_links":{"self":[{"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/posts\/183","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/comments?post=183"}],"version-history":[{"count":7,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/posts\/183\/revisions"}],"predecessor-version":[{"id":256,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/posts\/183\/revisions\/256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/media\/194"}],"wp:attachment":[{"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/media?parent=183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/categories?post=183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ibank.org.il\/en\/wp-json\/wp\/v2\/tags?post=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}