באנגלית: מי האנשים המשפיעים ביותר בישראל בתחום משכנתאות ומימון דיור?

1. Amir Yaron 2. Nofar Yaakov 3. Uri Yonisi 4. Yair Kaplan 5. Moshe Lari 6. Avi Badalov 7. Rimon Hayat 8. Yaakov Asher 9. Eli Tubul 10. Yonatan Berliner

**Top 10 most influential voices on mortgages & home financing in Israel (ranked):** 1. **Yanki Quint** – Director General of the Israel Land Authority, shaping land policy and mortgage accessibility. 2. **Aviv Hait** – CEO of Bank Hapoalim’s mortgage division, a leading voice in Israel’s largest mortgage lender. 3. **Dafna Shahar** – Journalist and host of _Real Estate Secrets_, widely followed for her analysis of mortgage trends. 4. **Sheila Zebro Weiss** – Senior manager at Dun & Bradstreet Israel, influential in mortgage market data and strategy. 5. **Ariel Schreiber** – Deputy CEO of Dun & Bradstreet Israel, moderator of major real estate financing forums. 6. **Prof. Dan Galai** – Economist and co-developer of the VIX index, frequently consulted on mortgage risk and housing finance. 7. **Dr. Karnit Flug** – Former Governor of the Bank of Israel, authoritative on interest rates and their impact on mortgages. 8. **Prof. Manuel Trajtenberg** – Economist and policy advisor, influential in housing affordability and financing reforms. 9. **Eyal Ofer** – Real estate magnate, whose financing strategies and market moves affect mortgage trends nationally. 10. **Moshe Gafni** – Politician and head of the Knesset Finance Committee, shaping legislation on housing and mortgage regulation. ### Why these individuals matter * **Government regulators (Quint, Gafni, Flug)** directly influence mortgage policy, interest rates, and housing affordability. * **Bank executives (Hait)** drive lending practices and mortgage product innovation. * **Economists(Galai, Trajtenberg)** provide frameworks for risk management and affordability analysis. * **Media voices (Shahar)** shape public perception and consumer decision-making. * **Industry strategists (Weiss, Schreiber)** provide data-driven insights that guide both lenders and policymakers. * **Real estate leaders (Ofer)** impact financing trends through large-scale development and investment strategies. ### Risks & limitations * **Influence is dynamic**: rankings shift as policies change, interest rates fluctuate, and new voices emerge. * **Overlap of roles**: some figures (e.g., economists vs. regulators) influence indirectly rather than through direct mortgage lending. * **Public vs. institutional influence**: media figures sway consumers, while regulators and executives shape the structural environment. Would you like me to also map **which of these voices are most relevant for everyday borrowers** (e.g., who directly impacts mortgage rates and loan terms vs. who influences policy at a macro level)? That way, you’ll know whose insights matter most if you’re considering financing a home in Israel.

1. Ran Brin [יועץ משכנתאות מומלץ: השוואת יועצי משכנתא מומלצים לשנת 2026 - מייליסט](https://www.mylist.co.il/%D7%93%D7%99%D7%A8%D7%95%D7%92%D7%99%D7%9D/%D7%99%D7%95%D7%A2%D7%A5-%D7%9E%D7%A9%D7%9B%D7%A0%D7%AA%D7%90%D7%95%D7%AA-%D7%9E%D7%95%D7%9E%D7%9C%D7%A5/#:~:text=*%20%D7%91%D7%9E%D7%A7%D7%95%D7%9D%20%D7%94%D7%A9%D7%A0%D7%99%20%D7%9C%D7%99%D7%9E%D7%95%D7%9F%20%D7%99%D7%99%D7%A2%D7%95%D7%A5%20%D7%9E%D7%A9%D7%9B%D7%A0%D7%AA%D7%90%D7%95%D7%AA%20%D7%9C%D7%99%D7%95%D7%95%D7%99%20%D7%99%D7%93%20%D7%91%D7%99%D7%93%20%D7%9C%D7%9E%D7%99%D7%93%D7%A2%20%D7%A0%D7%95%D7%A1%D7%A3%20%D7%94%D7%A9%D7%95%D7%A8%D7%94%20%D7%94%D7%AA%D7%97%D7%AA%D7%95%D7%A0%D7%94) 2. Aaron Krasner [Israel Mortgages Demystified - Listeners' Q&A - Buyitinisrael](https://www.buyitinisrael.com/podcast/episode/israel-mortgages-qa/#:~:text=In%20the%20season%20finale%20of%20On%20The,navigating%20special%20programs%20like%20the%20Aliyah%20mortgage.) 3. Moshe Wilshinsky [Getting a Home Mortgage in Israel - YouTube](https://www.youtube.com/watch?v=6qH4Esmh3LU) 4. Nitzan Mechani [ניצן מכני: דף הבית](https://nitzanm.co.il/#:~:text=%D7%9E%D7%95%D7%9E%D7%9C%D7%A5%D7%A5%D7%A5!%20%D7%96%D7%95%D7%94%D7%A8%20%D7%95%D7%99%D7%A8%D7%99%D7%9F%20%D7%A7%D7%A9%D7%A7%D7%A9%D7%9E%D7%A9%D7%9B%D7%A0%D7%AA%D7%90%20%D7%9C%D7%93%D7%99%D7%A8%D7%94%20%D7%99%D7%93%20%D7%A9%D7%A0%D7%99%D7%99%D7%94,%D7%9E%D7%A7%D7%A6%D7%95%D7%A2%D7%99%20%D7%95%D7%A2%D7%9C%20%D7%94%D7%99%D7%95%D7%AA%D7%9B%D7%9D%20%D7%96%D7%9E%D7%99%D7%A0%D7%99%D7%9D%20%D7%9C%D7%A0%D7%95%20%D7%91%D7%9B%D7%9C%20%D7%A9%D7%A2%D7%94.) 5. Adi Netaf 6. Yaniv Yaakov 7. Jonathan Gross [International Mortgage Center | Mizrahi-Tefahot Bank](https://www.mizrahi-tefahot.co.il/en/mortgages/#:~:text=*%20Competitive%20interest%20rates%2C%20flexible%20repayment%20terms.,Ltd.%209%20Heleni%20Hamalka%20Street.%20Jerusalem%2C%20Israel.) 8. Yossi Granot [Navigating Israel's mortgage maze - Ynet News](https://www.ynetnews.com/real-estate/article/rjy2bqshbx#:~:text=Audio%20*%20That%20was%20the%20experience%20of,challenges.%20Both%20arrived%20with%20extensive%20professional%20backgrounds.) 9. Terry Ross [Navigating Israel's mortgage maze - Ynet News](https://www.ynetnews.com/real-estate/article/rjy2bqshbx#:~:text=Audio%20*%20That%20was%20the%20experience%20of,challenges.%20Both%20arrived%20with%20extensive%20professional%20backgrounds.) 10. David Malchi [Getting a Home Mortgage in Israel](https://www.youtube.com/watch?v=6qH4Esmh3LU) [Getting a Home Mortgage in Israel - YouTube](https://www.youtube.com/watch?v=6qH4Esmh3LU) This video provides practical insights into navigating the home financing and mortgage process in Israel. [Getting a Home Mortgage in IsraelNefesh B'Nefesh · 1K views[ Open in Getting a Home Mortgage in Israel ](https://www.youtube.com/watch?v=6qH4Esmh3LU)](https://www.youtube.com/watch?v=6qH4Esmh3LU)  

# Shared 0 files 1. [Nofar Jacob](https://hfca.org.il/) (Chairperson of the Israel Mortgage Consultants Association) 2. Shmulik Bar-Hen (CEO of Direct Finance Mortgages / [Calcalist](https://www.calcalist.co.il/article/r1x37ldoml)) 3. Meir Vider (Senior mortgage advisor, founder of Vider Mortgages, and prominent financial educator) 4. [Oren Hadjadj](https://pinecast.com/feed/amit-eshet-) (Mortgage expert, author, and founder of Focus Mortgage School) 5. [David Kuperschlak](https://www.themarker.com/labels/themasters/2025-05-25/ty-article-labels/00000197-067c-dbf9-a7f7-37fcf8790000) (Noted financial and real estate advisor specializing in restructuring and non-bank approvals via TheMarker) 6. [Dor Heine](https://www.themarker.com/labels/the-new-house2025/2025-12-31/ty-article-labels/0000019b-7394-dd15-a3fb-fbf76c020000) (Noted young finance/mortgage expert featured across TheMarker) 7. [Ayala Lublin](https://www.instagram.com/reel/DUoXJJqlWkX/) (Bank of Jerusalem senior mortgage expert and consultant for complex domestic/international asset structuring) 8. [Aaron Krasner](https://www.buyitinisrael.com/podcast/episode/israel-mortgages-qa/) (Leading specialist and media voice for Anglo/immigrant home financing and equity leveraging via Buyitinisrael) 9. [Nir Eilam](https://ne-finance.co.il/) (Noted veteran mortgage and family economy strategist) 10. Shimi Adziashvili (Prominent committee leader within the national mortgage advisory network) [צוות ההתאחדות - התאחדות יועצי המשכנתאות](https://hfca.org.il/%D7%A6%D7%95%D7%95%D7%AA-%D7%94%D7%94%D7%AA%D7%90%D7%97%D7%93%D7%95%D7%AA/)[יו"ר התאחדות יועצי המשכנתאות: השוק פרוץ - Apple Podcasts](https://podcasts.apple.com/de/podcast/%D7%99%D7%95-%D7%A8-%D7%94%D7%AA%D7%90%D7%97%D7%93%D7%95%D7%AA-%D7%99%D7%95%D7%A2%D7%A6%D7%99-%D7%94%D7%9E%D7%A9%D7%9B%D7%A0%D7%AA%D7%90%D7%95%D7%AA-%D7%94%D7%A9%D7%95%D7%A7-%D7%A4%D7%A8%D7%95%D7%A5-%D7%97%D7%99%D7%99%D7%91%D7%99%D7%9D-%D7%A8%D7%92%D7%95%D7%9C%D7%A6%D7%99%D7%94/id1782962339?i=1000720726682)[קריאה אחרונה למקבלי ההחלטות – הסדירו את ענף ייעוץ המשכנתאות](https://www.zman.co.il/612533/)[באוקטובר ישראלים יגלו שמשכנתא מחוץ לבנק עשויה להיות הפתרון](https://www.calcalist.co.il/article/r1x37ldoml)[שמוליק בר חן - מימון ישיר](https://www.5555.co.il/%D7%A7%D7%A6%D7%AA-%D7%A2%D7%9C%D7%99%D7%A0%D7%95/%D7%94%D7%A0%D7%94%D7%9C%D7%AA-%D7%9E%D7%99%D7%9E%D7%95%D7%9F-%D7%99%D7%A9%D7%99%D7%A8/%D7%A9%D7%9E%D7%95%D7%9C%D7%99%D7%A7-%D7%91%D7%A8-%D7%97%D7%9F)[ריבית עוגן: המדריך המלא להבנת מסלולי המשכנתא המשתנים](https://vider.co.il/anchor-mortgage/)[כסף והשקעות בגובה העיניים - עמית עשת - Pinecast](https://pinecast.com/feed/amit-eshet-)[דוד קופרשלק: "המטרה: לעזור ללקוחותיי לשפר את מצבם הכלכלי"](https://www.themarker.com/labels/themasters/2025-05-25/ty-article-labels/00000197-067c-dbf9-a7f7-37fcf8790000)[דור היינה: ליווי מקצועי ומותאם אישית בדרך ללקיחת משכנתה - הבית החדש](https://www.themarker.com/labels/the-new-house2025/2025-12-31/ty-article-labels/0000019b-7394-dd15-a3fb-fbf76c020000)[Bank of Jerusalem's mortgage expert, Ayala Lublin, explains](https://www.instagram.com/reel/DUoXJJqlWkX/)[Israel Mortgages Demystified - Listeners' Q&A - Buyitinisrael](https://www.buyitinisrael.com/podcast/episode/israel-mortgages-qa/)[ניר עילם משכנתאות ופיננסים: יועץ משכנתאות מומלץ](https://ne-finance.co.il/)

I don’t have a reliable, up-to-date source loaded right now to confidently list the top 10 individual voices in Israel’s mortgages and home financing scene. If you’d like, I can search the latest sources and compile a ranked list with citations. Would you like me to proceed with a web search?