Israeli mortgage rates in October 2025
In October 2025, Prime was 6.00% (Bank of Israel rate 4.50% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.85% and fixed CPI-linked ones (Katz) 3.37%. Inflation over 12 months was 2.50%.
- Bond 10Y fell 0.22 points on the month.
- Bond 10Y Indexed fell 0.22 points on the month.
- Bond 3Y fell 0.20 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 6.00% | 0.00 | 0.00 |
| Kalatz | 4.85% | −0.03 | 0.00 |
| Katz | 3.37% | −0.03 | +0.18 |
| Matz | 3.44% | −0.10 | +0.18 |
| Zakaut | 2.87% | −0.03 | +0.18 |
| Bond 18M | 4.79% | −0.15 | −0.62 |
| Bond 3Y | 4.70% | −0.20 | −0.85 |
| Bond 3Y Indexed | 3.27% | −0.16 | −0.15 |
| Bond 5Y | 4.72% | −0.20 | −0.92 |
| Bond 5Y Indexed | 3.23% | −0.19 | −0.36 |
| Bond 10Y | 4.92% | −0.22 | −0.98 |
| Bond 10Y Indexed | 3.24% | −0.22 | −0.56 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).