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        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
  <!-- דף הבית -->
  <url>
    <loc>https://baitopcredit.lovable.app/</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/"/>
    <xhtml:link rel="alternate" hreflang="x-default" href="https://baitopcredit.lovable.app/"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>daily</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- מחשבון משכנתא -->
  <url>
    <loc>https://baitopcredit.lovable.app/calculator</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/calculator"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
    <image:image>
      <image:loc>https://baitopcredit.lovable.app/logo.svg</image:loc>
      <image:title>מחשבון משכנתא חכם</image:title>
    </image:image>
  </url>

  <!-- השוואת בנקים -->
  <url>
    <loc>https://baitopcredit.lovable.app/compare-banks</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/compare-banks"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- השוואת מסלולים -->
  <url>
    <loc>https://baitopcredit.lovable.app/compare-tracks</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/compare-tracks"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.9</priority>
  </url>

  <!-- חדשות ומאמרים -->
  <url>
    <loc>https://baitopcredit.lovable.app/news</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/news"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>daily</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- מסלול פריים -->
  <url>
    <loc>https://baitopcredit.lovable.app/prime</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/prime"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ריבית קבועה -->
  <url>
    <loc>https://baitopcredit.lovable.app/fixed-rate</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/fixed-rate"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- פירעון מוקדם -->
  <url>
    <loc>https://baitopcredit.lovable.app/early-repayment</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/early-repayment"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- מדריך לרוכשי דירה ראשונה -->
  <url>
    <loc>https://baitopcredit.lovable.app/first-home-guide</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/first-home-guide"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- המאתגר שלי -->
  <url>
    <loc>https://baitopcredit.lovable.app/advisor</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/advisor"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- ניתוח חיסכון -->
  <url>
    <loc>https://baitopcredit.lovable.app/savings-analysis</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/savings-analysis"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- ציון משכנתא -->
  <url>
    <loc>https://baitopcredit.lovable.app/mortgage-score</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/mortgage-score"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- תמחור -->
  <url>
    <loc>https://baitopcredit.lovable.app/pricing</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/pricing"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>

  <!-- אודות -->
  <url>
    <loc>https://baitopcredit.lovable.app/about</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/about"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- סיפורי הצלחה -->
  <url>
    <loc>https://baitopcredit.lovable.app/success-stories</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/success-stories"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- צור קשר -->
  <url>
    <loc>https://baitopcredit.lovable.app/contact</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/contact"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- תנאי שימוש -->
  <url>
    <loc>https://baitopcredit.lovable.app/terms</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/terms"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- מדיניות פרטיות -->
  <url>
    <loc>https://baitopcredit.lovable.app/privacy</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/privacy"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

  <!-- מדיניות עוגיות -->
  <url>
    <loc>https://baitopcredit.lovable.app/cookies</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/cookies"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.2</priority>
  </url>

  <!-- הצהרת נגישות -->
  <url>
    <loc>https://baitopcredit.lovable.app/accessibility</loc>
    <xhtml:link rel="alternate" hreflang="he" href="https://baitopcredit.lovable.app/accessibility"/>
    <lastmod>2026-03-04</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
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