In recent years, thousands of Israelis jumped at an opportunity that seemed like a dream deal: the 20/80 financing model. Buyers pay 20% at signing and only 80% upon delivery. This approach allowed buyers to hold two apartments at the same time – the old one for rent or waiting, and the new one for future use. The assumption was simple: while the new apartment was being built, the old one would increase in value and be sold at a good profit.Unfortunately for them, the market went in a