One fixed rate for the whole term, repaid in equal monthly payments. Israeli mortgages usually mix several tracks, and CPI-linked and prime tracks change over time. An estimate, not an offer.

Advanced: tracks, inflation and repayment method

Israeli mortgages are usually split into tracks. Set your mix, an inflation assumption and how you repay.

Mortgage amount

Inflation per year

Repayment method

Track	Share	Rate	Years	Amount
Prime (variable)Prime minus a typical discount				₪612,000
Fixed, not linked (kalatz)Fixed rate, payment never changes				₪594,000
Fixed, CPI-linked (katz)Real rate, balance rises with prices				₪594,000

First monthly payment
Highest monthly payment
Total repaid
Interest and CPI linkage

Year-by-year schedule

Year	Monthly (average)	Paid in the year	Interest	Owed at year end

Starting rates are 2026 market indications published by Even Sapir, not an offer. Prime is assumed to stay where it is; in reality it moves with every Bank of Israel decision. The highest payment is the average month in the costliest year.

Questions people ask

How accurate is this calculator?

The arithmetic is exact for the numbers you enter. The real cost depends on the rates your bank offers, how prime and inflation move, and your mix of tracks.

Why does a CPI-linked payment go up?

On a CPI-linked track the balance rises with the consumer price index, so each payment is worked out on a larger balance. The rate is lower to make up for it.