Israeli mortgage rates in February 2026
In February 2026, Prime was 5.50% (Bank of Israel rate 4.00% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.74% and fixed CPI-linked ones (Katz) 3.25%. Inflation over 12 months was 2.00%.
- Matz fell 0.21 points on the month.
- Bond 3Y Indexed fell 0.15 points on the month.
- Bond 18M fell 0.13 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 5.50% | 0.00 | −0.50 |
| Kalatz | 4.74% | −0.05 | −0.18 |
| Katz | 3.25% | −0.05 | +0.01 |
| Matz | 3.26% | −0.21 | −0.08 |
| Zakaut | 2.75% | −0.05 | +0.01 |
| Bond 18M | 4.39% | −0.13 | −0.74 |
| Bond 3Y | 4.39% | −0.12 | −0.73 |
| Bond 3Y Indexed | 3.16% | −0.15 | −0.33 |
| Bond 5Y | 4.45% | −0.11 | −0.66 |
| Bond 5Y Indexed | 3.18% | −0.13 | −0.21 |
| Bond 10Y | 4.78% | −0.05 | −0.49 |
| Bond 10Y Indexed | 3.29% | −0.06 | −0.17 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).