Gindi Holdings offers apartment buyers the option to defer a payment of 900,000 shekels for ten years after receiving the keys. The promotion is aimed at about 300 apartments in various projects, mainly in Herzliya and Or Yehuda, and aims to ease the monthly repayment in the early years. Buyers will pay 20% of the apartment price upon signing, and the remaining amount, excluding 900,000 shekels, will be completed at the time of delivery. The deferred amount will be financed by Leumi or Mizrahi Tefahot banks through a balloon loan, with Gindi covering the interest costs. Real estate appraiser Shmulik Cohen estimates that deferring the payment is equivalent to a discount of 500,000 to 600,000 shekels, indicating a significant economic benefit. However, it must be considered that there is a need to save the full amount until the repayment date, and the future value of the apartment may affect the financing terms. The current promotion resembles a similar offer made by Gindi in 2012, but this time the deferred amount is not indexed to the index.