Free tool

Israeli Mortgage Calculator

Estimate your monthly payment for a property in Israel: price, down payment, term and rate. Everything runs in your browser, nothing is sent anywhere.

Buyer profile Property price · ₪2,500,000 Down payment · ₪625,000 (25%) Loan term · 25 years Annual interest rate · 5.0% Israeli mortgages are usually a blend of tracks (prime-linked, fixed, CPI-linked). Enter your estimated average rate.

Estimated monthly payment —

Loan amount—

Financing (LTV)—

Total interest—

Total repayment—

Net income needed (approx.)—

Israeli banks typically approve payments up to about a third of net income.

Principal vs. interest, year by year

Principal Interest

Budget for these too

Purchase tax (mas rechisha — varies by buyer status and price)
Legal fees (typically ~1.5% + VAT)
Agent commission (typically ~2% + VAT)
Appraiser, mortgage file-opening and registration fees
New construction: CPI linkage between signing and delivery

Want a real number?

We’ll connect you with an English-speaking mortgage advisor who works with overseas buyers and Israeli residents alike — no obligation — and walk with you all the way to the keys.

Talk to Seaview

Frequently asked questions

How much can I borrow in Israel?

Under Bank of Israel rules: up to 75% of the price for an Israeli resident buying a first home, up to 70% when upgrading, and up to 50% for an investment property. Overseas buyers are generally offered up to about 50%.

Can I get an Israeli mortgage without being a resident?

Yes. Israeli banks lend to non-residents, usually up to about half the property value. Expect paperwork, income documentation and an Israeli lawyer. We connect our buyers with English-speaking mortgage advisors who specialise in exactly this.

Is the rate fixed or variable?

Almost every Israeli mortgage is a blend of tracks: part prime-linked, part fixed, part CPI-linked. The blend drives both your payment and your exposure to rate changes, which is why this calculator is an estimate.

How long do mortgages run?

Most run 20 to 30 years. A longer term lowers the monthly payment but raises total interest — exactly the trade-off the calculator shows you.

How accurate is this?

It gives you a solid ballpark from a single fixed rate, which is a simplification. Your real payment depends on the track blend, your age and income, and the bank’s spreads. Use it for direction; talk to us for a real number.

This calculator provides estimates only and is not financial advice or a recommendation. Actual mortgage terms are set by your bank and depend on your personal circumstances.