Israeli mortgage rates in December 2025
In December 2025, Prime was 5.75% (Bank of Israel rate 4.25% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.77% and fixed CPI-linked ones (Katz) 3.23%. Inflation over 12 months was 2.60%.
- Katz fell 0.11 points on the month.
- Zakaut fell 0.11 points on the month.
- Bond 10Y rose 0.07 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 5.75% | 0.00 | −0.25 |
| Kalatz | 4.77% | −0.04 | −0.04 |
| Katz | 3.23% | −0.11 | +0.12 |
| Matz | 3.36% | +0.04 | −0.07 |
| Zakaut | 2.73% | −0.11 | +0.12 |
| Bond 18M | 4.76% | 0.00 | −0.44 |
| Bond 3Y | 4.74% | +0.05 | −0.46 |
| Bond 3Y Indexed | 3.30% | −0.03 | −0.03 |
| Bond 5Y | 4.76% | +0.06 | −0.46 |
| Bond 5Y Indexed | 3.27% | −0.02 | −0.09 |
| Bond 10Y | 4.99% | +0.07 | −0.45 |
| Bond 10Y Indexed | 3.33% | +0.07 | −0.13 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).