Israeli mortgage rates in September 2025
In September 2025, Prime was 6.00% (Bank of Israel rate 4.50% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.88% and fixed CPI-linked ones (Katz) 3.40%. Inflation over 12 months was 2.50%.
- Bond 3Y Indexed fell 0.11 points on the month.
- Matz fell 0.07 points on the month.
- Bond 5Y fell 0.06 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 6.00% | 0.00 | 0.00 |
| Kalatz | 4.88% | −0.02 | +0.07 |
| Katz | 3.40% | 0.00 | +0.18 |
| Matz | 3.54% | −0.07 | +0.26 |
| Zakaut | 2.90% | 0.00 | +0.18 |
| Bond 18M | 4.94% | −0.05 | −0.27 |
| Bond 3Y | 4.90% | −0.05 | −0.48 |
| Bond 3Y Indexed | 3.43% | −0.11 | +0.14 |
| Bond 5Y | 4.92% | −0.06 | −0.62 |
| Bond 5Y Indexed | 3.42% | −0.06 | −0.09 |
| Bond 10Y | 5.14% | −0.03 | −0.75 |
| Bond 10Y Indexed | 3.46% | 0.00 | −0.35 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).