Israeli mortgage rates in January 2026
In January 2026, Prime was 5.50% (Bank of Israel rate 4.00% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.79% and fixed CPI-linked ones (Katz) 3.30%. Inflation over 12 months was 1.80%.
- Prime fell 0.25 points on the month.
- Bond 18M fell 0.24 points on the month.
- Bond 3Y fell 0.23 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 5.50% | −0.25 | −0.50 |
| Kalatz | 4.79% | +0.02 | −0.10 |
| Katz | 3.30% | +0.07 | 0.00 |
| Matz | 3.47% | +0.11 | +0.08 |
| Zakaut | 2.80% | +0.07 | 0.00 |
| Bond 18M | 4.52% | −0.24 | −0.66 |
| Bond 3Y | 4.51% | −0.23 | −0.70 |
| Bond 3Y Indexed | 3.31% | +0.01 | −0.22 |
| Bond 5Y | 4.56% | −0.20 | −0.67 |
| Bond 5Y Indexed | 3.31% | +0.04 | −0.20 |
| Bond 10Y | 4.83% | −0.16 | −0.62 |
| Bond 10Y Indexed | 3.35% | +0.02 | −0.25 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).