Your mashkanta at the best rates
A mortgage in Israel should be entrusted to a specialist who focuses on you and will get you the best terms from the banks.
French-speaking expert in real estate financing in Israel. Personalized support from A to Z.
Current rates in Israel
Key mortgage market figures
Updated 19/02/2026 — Source: Bank of Israel
Who can borrow?
Conditions based on your residency status
Resident / Oleh Hadash
Non-resident / Foreign buyer
Loan types (Masloule)
The Israeli system splits your loan into several tracks
Fixed Rate Non-Indexed
Kvoua Lo Tsmouda
- Fixed rate for entire duration
- Not linked to inflation
- Predictable monthly payments
- Limited to 1/3 of total loan
CPI Indexed (Madad)
Tsmouda LaMadad
- Lower initial rate
- Principal linked to price index
- Risk if inflation rises
- Can be fixed or variable
Prime Linked
Tsmouda LaPrime
- Follows base rate + margin
- Currently Prime at 5.5%
- Varies with central bank decisions
- Limited to 2/3 of total loan
Regulation: Bank of Israel requires at least 1/3 of the loan to be at a fixed rate.
Your mashkanta steps
From first contact to fund release
Pre-qualification
Assessment of your borrowing capacity and free initial simulation.
Bank account opening
Required in Israel. Can be done remotely via notarized power of attorney.
Search and offer
Signing the Zichron Devarim (preliminary agreement) and paying a deposit.
Legal verification
Your lawyer checks the Nesach Tabu (title deed), zoning and existing mortgages.
Mashkanta application
File preparation and submission to banks for competitive bidding.
Approval and release
2-4 weeks (residents) to 4-8 weeks (non-residents). Registration at the Tabu.
Expected fees
Estimated costs when buying property in Israel
| Expense | Estimated cost |
|---|---|
| Lawyer fees | 0.5% - 1.5% |
| Purchase tax (Mas Rekhisha) | 0% - 10% |
| Bank processing fees | ~0.25% |
| Appraisal fees (Shmaout) | 2,000 - 5,000₪ |
| Real estate agent commission | 1% - 2% + TVA |
| Tabu registration | ~1,000₪ |
Frequently asked questions
Everything you need to know about mortgages in Israel
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