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לעיתים משכנתא לגיל השלישי כוללת אפשרות לדחיית קרן או ריבית לפרקי זמן מוגדרים, ומסייעת להתמודד עם הוצאות בלתי צפויות מבלי לפגוע באיכות החיים.