Israeli mortgage rates in July 2026
In July 2026, Prime was 5.00% (Bank of Israel rate 3.50% plus 1.5), new fixed unindexed mortgages (Kalatz) averaged 4.63% and fixed CPI-linked ones (Katz) 3.22%. Inflation over 12 months was 1.50%.
- Prime fell 0.25 points on the month.
- Bond 10Y Indexed rose 0.15 points on the month.
- Bond 3Y rose 0.12 points on the month.
| Track | Rate | vs. previous month | vs. a year earlier |
|---|---|---|---|
| Prime | 5.00% | −0.25 | −1.00 |
| Kalatz | 4.63% | −0.10 | −0.29 |
| Katz | 3.22% | −0.05 | −0.21 |
| Matz | 3.17% | −0.11 | −0.49 |
| Zakaut | 2.72% | −0.05 | −0.21 |
| Bond 18M | 4.26% | +0.02 | −0.75 |
| Bond 3Y | 4.41% | +0.12 | −0.55 |
| Bond 3Y Indexed | 3.12% | +0.04 | −0.41 |
| Bond 5Y | 4.48% | +0.10 | −0.50 |
| Bond 5Y Indexed | 3.19% | +0.09 | −0.25 |
| Bond 10Y | 4.83% | +0.11 | −0.34 |
| Bond 10Y Indexed | 3.48% | +0.15 | +0.11 |
Sources: Bank of Israel housing-loan interest rates, policy rate and zero-coupon yield curves (SDMX API).