Mashkanta: mortgages in Israel
Tracks, rates, Bank of Israel rules, non-residents, banks and brokers: everything you need to finance a purchase.
Split between tracks
Prime (variable)
Fixed, unlinked
Fixed, CPI-linked
Bank of Israel rules: at least one third of the loan at a fixed rate, at most two thirds on prime. The simulator adjusts the sliders accordingly.
- Principal repaid—
- Interest—
- Prime (variable) · Fixed, unlinked · Fixed, CPI-linked—
Indicative rates, November 2026 (policy rate 3.25%, prime 4.75%). The CPI-linked track is simulated with constant inflation; in reality both the payment and the outstanding balance move with the CPI. Banks apply different margins by profile and city: a real offer can differ by ±0.5 point.
Where to start: a new immigrant reads mortgage for new olim first, a buyer abroad how much deposit do I need before the non-resident guide; and if you are wondering what a conflict changes for a loan already running, the answer is in what happens to my mortgage during a war.
- The Israeli mortgage (mashkanta), explained: the complete guidePrime, CPI-linked, fixed, variable: the tracks, Bank of Israel rules, amounts and a full worked example.
- Mortgages for non-residents: getting a loan without living in Israel50% down payment, documents, which banks say yes, timelines, and what changes if you are a citizen.
- Israeli mortgage rates today and what changes in 2027Policy rate, prime, observed fixed and variable rates, and how to read a bank offer.
- Mortgage broker (yoets mashkanta): what they do and what they costWhen you need one, what they negotiate, usual fees.
- Leumi, Hapoalim, Mizrahi-Tefahot, Discount: the banks comparedWho lends to non-residents, timelines, requirements, strengths.In preparation
- Refinancing your mortgage (michzur) and early repaymentWhen it pays off, penalties, procedure.In preparation
- Borrowing in the US or UK to buy in Israel: does it work?Home equity, cash-out refinance, comparison with an Israeli mortgage.In preparation
- Mortgage for new olim: conditions, down payment, rates and pitfallsUp to 75% of the price with no Israeli credit history? What banks really ask of a new immigrant, and when to sign.
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