Mortgage
Israel Mortgage Calculator
Check monthly payment, cash to close, purchase tax, and income stress in one place.
More options: debt test & Israeli mortgage mix
Car loans, credit, existing mortgages, alimony. Since July 1, 2026 Israeli banks must count ALL debt payments in the affordability test, with a hard stop at 50% of income.
Israeli mortgages are built from tracks, not one rate. The Bank of Israel requires at least a third of the loan at a fixed rate. CPI-linked payments start lower but grow with inflation. Rates as of July 2026: Bank of Israel 3.75%, prime 5.25%.
Your monthly payment₪0 / month
Estimated loan amount₪0
Purchase tax estimate₪0
Legal & closing estimate₪0
Payment-to-income (all debt)₪0
If rates rise 1%₪0
If rates rise 2%₪0
Total interest over the term₪0
Total you will repay₪0
Total cash to close₪0
For planning only — not a loan, tax, or legal offer. Israeli property, mortgage, tax, and bank rules vary by buyer profile and deal structure.
The Only Israeli Mortgage Calculator You’ll Ever Need
Let’s face it: getting a mortgage in Israel can feel complicated.
You have different “tracks” (Prime, Fixed, Variable), hidden inflation costs (the Madad), and taxes that seem to pop up out of nowhere. Most calculators only show you the monthly payment. That is a mistake.
Why? Because the monthly payment is only half the story.
To truly understand if you can afford a home, you need to see the Total Cash to Close (including taxes and fees) and what happens to your payment if interest rates go up.
I built this tool to do exactly that. It handles the hard math for you.
Here is what makes this calculator different:
The “Real” Cost: It calculates Mas Rechisha (Purchase Tax) and lawyer fees automatically.
Safety First: It runs a “Stress Test” to show you if you can still afford the loan in 5 years.
The Mix: You can combine different loan tracks just like a real bank offer.
Go ahead and plug in your numbers below.
