Israeli mortgage rates today
Prime is 4.75% as of October 24, 2026. On new mortgages, Bank of Israel data for August 2026: a fixed unindexed loan (Kalatz) averages 4.62%, a fixed CPI-linked loan (Katz) 3.29% and a variable CPI-linked loan (Matz) 3.19%.
| Track | Rate | Change vs. previous month |
|---|---|---|
| Prime | 4.75% | unchanged |
| Kalatz | 4.62% | −0.01 |
| Katz | 3.29% | +0.07 |
| Matz | 3.19% | +0.02 |
| Zakaut | 2.79% | +0.07 |
| Bond 18M | 4.27% | +0.01 |
| Bond 3Y | 4.55% | +0.14 |
| Bond 3Y Indexed | 3.20% | +0.08 |
| Bond 5Y | 4.67% | +0.19 |
| Bond 5Y Indexed | 3.33% | +0.14 |
| Bond 10Y | 5.01% | +0.18 |
| Bond 10Y Indexed | 3.65% | +0.17 |
Prime is the Bank of Israel policy rate plus 1.5 points. Banks lend at Prime plus or minus their own margin; the simulator uses the banking-system average.
Tracks that reset every 18 months to 10 years are estimated from government bond yields plus the average bank margin; Kalatz, Katz and Matz are the averages banks actually charged on new mortgages.
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).
Questions
- What is the Prime rate in Israel today?
- Prime is 4.75% as of October 24, 2026: the Bank of Israel policy rate of 3.25% plus 1.5 points. Banks lend at Prime plus or minus their own margin.
- What is the average fixed-rate mortgage rate in Israel?
- For August 2026, new fixed unindexed mortgages (Kalatz) averaged 4.62% and fixed CPI-linked mortgages (Katz) 3.29%, according to the Bank of Israel.
- How often are these rates updated?
- Daily from the Bank of Israel. The averages on new mortgages are published monthly, so the figures change once a month.