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16px}.central-form-shell{grid-template-columns:1fr;border-radius:14px}.central-form-info{padding:34px 24px}.central-form-info h2{font-size:30px}.central-form-info-text{font-size:16px}.central-form-content{padding:30px 20px}.central-form-header h3{font-size:24px}.central-progress-item{font-size:11px}.central-fields-grid,.central-radio-group,.central-choice-grid,.central-choice-grid.three{grid-template-columns:1fr}.central-form-actions{flex-direction:column-reverse}.central-form-button{width:100%}}</style><section class="central-full-form" id="contact"><div class="central-form-shell"><div class="central-form-info"><div class="central-form-small-title">שיחת התאמה ראשונית ללא עלות </div><h2>בואו נבדוק אילו אפשרויות עשויות להתאים לכם </h2><p class="central-form-info-text">השאירו מספר פרטים בסיסיים ונציג מקצועי יחזור אליכם כדי להבין את המצב הקיים ולבדוק התאמה ראשונית. </p><div class="central-form-benefits"><div class="central-form-benefit"><span class="central-form-benefit-icon"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M8 12l2.5 2.5L16 9"/></svg></span>בדיקה ראשונית ללא עלות </div><div class="central-form-benefit"><span class="central-form-benefit-icon"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M8 12l2.5 2.5L16 9"/></svg></span>ללא התחייבות להמשך התהליך </div><div class="central-form-benefit"><span class="central-form-benefit-icon"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M8 12l2.5 2.5L16 9"/></svg></span>ליווי אישי,מקצועי ושקוף </div><div class="central-form-benefit"><span class="central-form-benefit-icon"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M8 12l2.5 2.5L16 9"/></svg></span>מיועד לבעלי נכס בלבד </div></div><div class="central-form-disclaimer">מילוי השאלון אינו מהווה אישור לקבלת מימון ואינו התחייבות מצד החברה או מצד גוף פיננסי כלשהו. </div></div><div class="central-form-content"><div id="centralFormInterface"><div class="central-form-header"><h3>שאלון התאמה ראשוני</h3><p>מספר שאלות קצרות שיעזרו לנו להבין טוב יותר את הצורך שלכם. </p></div><div class="central-form-progress"><div class="central-progress-line" id="centralProgressLine"></div><div class="central-progress-item active"><div class="central-progress-circle">1</div>פרטים אישיים </div><div class="central-progress-item"><div class="central-progress-circle">2</div>הנכס והתחייבויות </div><div class="central-progress-item"><div class="central-progress-circle">3</div>מטרת הבדיקה </div></div><form id="centralQuestionnaire"><!-- שלב 1 --><div class="central-form-step active"><h4 class="central-step-title">נתחיל בכמה פרטים בסיסיים </h4><div class="central-fields-grid"><div class="central-field"><label>שם מלא <span class="central-required">*</span></label><input type="text" name="full_name" placeholder="הקלידו שם מלא" required></div><div class="central-field"><label>מספר טלפון <span class="central-required">*</span></label><input type="tel" name="phone" placeholder="05X-XXXXXXX" inputmode="numeric" pattern="05[0-9]{8}" required></div><div class="central-field"><label>עיר מגורים <span class="central-required">*</span></label><input type="text" name="city" placeholder="לדוגמה: פתח תקווה" required></div><div class="central-field"><label>שפה מועדפת לשיחה </label><select name="language"><option value="עברית">עברית</option><option value="רוסית">רוסית</option><option value="ערבית">ערבית</option><option value="אנגלית">אנגלית</option></select></div><div class="central-field full"><div class="central-question-label">האם יש נכס בבעלותך? <span class="central-required">*</span></div><div class="central-radio-group"><div class="central-radio-option"><input type="radio" id="propertyYes" name="has_property" value="כן" required><label for="propertyYes">כן,יש נכס בבעלותי </label></div><div class="central-radio-option"><input type="radio" id="propertyNo" name="has_property" value="לא"><label for="propertyNo">לא,אין נכס בבעלותי </label></div></div></div></div><div class="central-form-error"></div><div class="central-form-actions"><button type="button" class="central-form-button central-form-next">המשך לשלב הבא </button></div></div><!-- שלב 2 --><div class="central-form-step"><h4 class="central-step-title">מידע כללי על הנכס וההתחייבויות </h4><div class="central-fields-grid"><div class="central-field"><label>סוג הנכס</label><select name="property_type"><option value="">בחרו אפשרות</option><option value="דירת מגורים">דירת מגורים</option><option value="בית פרטי">בית פרטי</option><option value="נכס מסחרי">נכס מסחרי</option><option value="קרקע">קרקע</option><option value="אחר">אחר</option></select></div><div class="central-field"><label>שווי משוער של הנכס</label><select name="property_value"><option value="">בחרו טווח</option><option value="עד 1.5 מיליון">עד 1.5 מיליון ₪</option><option value="1.5-2.5 מיליון">1.5–2.5 מיליון ₪</option><option value="2.5-4 מיליון">2.5–4 מיליון ₪</option><option value="מעל 4 מיליון">מעל 4 מיליון ₪</option><option value="לא יודע">לא יודע/ת</option></select></div><div class="central-field full"><div class="central-question-label">האם קיימת משכנתא על הנכס? </div><div class="central-radio-group"><div class="central-radio-option"><input type="radio" id="mortgageYes" name="has_mortgage" value="כן"><label for="mortgageYes">כן </label></div><div class="central-radio-option"><input type="radio" id="mortgageNo" name="has_mortgage" value="לא"><label for="mortgageNo">לא </label></div></div></div><div class="central-field central-hidden-field" id="mortgageBalanceField"><label>יתרת משכנתא משוערת</label><select name="mortgage_balance"><option value="">בחרו טווח</option><option value="עד 500 אלף">עד 500,000 ₪</option><option value="500 אלף עד מיליון">500,000–1,000,000 ₪</option><option value="מיליון עד 1.5 מיליון">1,000,000–1,500,000 ₪</option><option value="מעל 1.5 מיליון">מעל 1,500,000 ₪</option><option value="לא יודע">לא יודע/ת</option></select></div><div class="central-field"><label>סך הלוואות נוספות</label><select name="loans_total"><option value="">בחרו טווח</option><option value="ללא הלוואות">אין הלוואות נוספות</option><option value="עד 100 אלף">עד 100,000 ₪</option><option value="100-250 אלף">100,000–250,000 ₪</option><option value="250-500 אלף">250,000–500,000 ₪</option><option value="מעל 500 אלף">מעל 500,000 ₪</option></select></div><div class="central-field"><label>סך החזרים חודשיים משוער</label><select name="monthly_payments"><option value="">בחרו טווח</option><option value="עד 5 אלף">עד 5,000 ₪</option><option value="5-10 אלף">5,000–10,000 ₪</option><option value="10-15 אלף">10,000–15,000 ₪</option><option value="מעל 15 אלף">מעל 15,000 ₪</option><option value="לא יודע">לא יודע/ת</option></select></div><div class="central-field"><div class="central-question-label">האם קיים מינוס מתמשך? </div><select name="overdraft"><option value="">בחרו אפשרות</option><option value="כן">כן</option><option value="לא">לא</option><option value="לפעמים">לעיתים</option></select></div></div><div class="central-form-error"></div><div class="central-form-actions"><button type="button" class="central-form-button central-form-back">חזרה </button><button type="button" class="central-form-button central-form-next">המשך לשלב הבא </button></div></div><!-- שלב 3 --><div class="central-form-step"><h4 class="central-step-title">מה הייתם רוצים לבדוק? </h4><div class="central-fields-grid"><div class="central-field full"><div class="central-question-label">הנושא המרכזי לבדיקה <span class="central-required">*</span></div><div class="central-choice-grid three"><div class="central-radio-option"><input type="radio" id="topic1" name="main_topic" value="איחוד הלוואות" required><label for="topic1">איחוד הלוואות </label></div><div class="central-radio-option"><input type="radio" id="topic2" name="main_topic" value="מחזור משכנתא"><label for="topic2">מחזור משכנתא </label></div><div class="central-radio-option"><input type="radio" id="topic3" name="main_topic" value="הלוואה כנגד נכס"><label for="topic3">הלוואה כנגד נכס </label></div><div class="central-radio-option"><input type="radio" id="topic4" name="main_topic" value="משכנתא חוץ בנקאית"><label for="topic4">משכנתא חוץ בנקאית </label></div><div class="central-radio-option"><input type="radio" id="topic5" name="main_topic" value="משכנתא הפוכה"><label for="topic5">משכנתא הפוכה </label></div><div class="central-radio-option"><input type="radio" id="topic6" name="main_topic" value="לא בטוח"><label for="topic6">עדיין לא בטוח/ה </label></div></div></div><div class="central-field full"><div class="central-question-label">האם פניתם בעבר לבנק בנושא? </div><div class="central-choice-grid three"><div class="central-radio-option"><input type="radio" id="bank1" name="bank_status" value="לא פניתי"><label for="bank1">עדיין לא פניתי </label></div><div class="central-radio-option"><input type="radio" id="bank2" name="bank_status" value="נמצא בבדיקה"><label for="bank2">הנושא נמצא בבדיקה </label></div><div class="central-radio-option"><input type="radio" id="bank3" name="bank_status" value="סירוב מהבנק"><label for="bank3">קיבלתי סירוב </label></div></div></div><div class="central-field full"><label>מידע נוסף שחשוב שנדע</label><textarea name="notes" placeholder="ניתן לכתוב בקצרה על המצב, הצורך או שאלה שתרצו לבדוק"></textarea></div><div class="central-field full"><div class="central-consent"><input type="checkbox" id="consent" name="consent" required><label for="consent">אני מאשר/ת לחברה המרכזית למשכנתאות והלוואות ליצור איתי קשר בנוגע לפנייה,בהתאם למדיניות הפרטיות. </label></div></div></div><div class="central-form-error"></div><div class="central-form-actions"><button type="button" class="central-form-button central-form-back">חזרה </button><button type="submit" class="central-form-button central-form-submit">שליחת השאלון </button></div><div class="central-form-privacy"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8"><path d="M12 3l7 3v5c0 5-3 8-7 10-4-2-7-5-7-10V6l7-3z"/><path d="M9.5 12l1.7 1.7 3.6-4"/></svg>הפרטים נשמרים בצורה מאובטחת ומשמשים לצורך בדיקת הפנייה ויצירת קשר בלבד. </div></div></form></div><div class="central-success-message" id="centralSuccessMessage"><div class="central-success-icon"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="1.8"><circle cx="12" cy="12" r="9"/><path d="M8 12.2l2.4 2.4L16.5 8.5"/></svg></div><h3>הפרטים התקבלו בהצלחה</h3><p>תודה שפניתם אלינו. נציג מקצועי יחזור אליכם בהקדם לשיחת התאמה ראשונית. </p></div></div></div></section><script>document.addEventListener("DOMContentLoaded",function (){const form=document.getElementById("centralQuestionnaire");if (!form){return}const steps=Array.from(form.querySelectorAll(".central-form-step"));const progressItems=Array.from(document.querySelectorAll(".central-progress-item"));const progressLine=document.getElementById("centralProgressLine");const 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