Israeli mortgage rates in November 2025
In November 2025, Prime was 5.75% (Bank of Israel rate 4.25% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.81% and fixed CPI-linked ones (Katz) 3.34%. Inflation over 12 months was 2.40%.
- Prime fell 0.25 points on the month.
- Matz fell 0.12 points on the month.
- Bond 3Y Indexed rose 0.06 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 5.75% | −0.25 | −0.25 |
| Kalatz | 4.81% | −0.04 | −0.07 |
| Katz | 3.34% | −0.03 | +0.16 |
| Matz | 3.32% | −0.12 | −0.09 |
| Zakaut | 2.84% | −0.03 | +0.16 |
| Bond 18M | 4.76% | −0.03 | −0.58 |
| Bond 3Y | 4.69% | −0.01 | −0.76 |
| Bond 3Y Indexed | 3.33% | +0.06 | −0.23 |
| Bond 5Y | 4.70% | −0.02 | −0.79 |
| Bond 5Y Indexed | 3.29% | +0.06 | −0.33 |
| Bond 10Y | 4.92% | 0.00 | −0.76 |
| Bond 10Y Indexed | 3.26% | +0.02 | −0.49 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).