Mortgage calculators for Israel
Four single-purpose calculators for the questions olim ask most before and after buying a home in Israel. Each one gives a direct answer, explains the rule behind it and links to the full simulator.
How much can I borrow in Israel?
Your maximum is the lower of two limits: the loan the bank's rules let your income carry (first payment at most 50% of net income) and the loan your down payment allows (75% of the price for a first home, 70% replacement, 50% additional home or foreign resident).
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Zakaut calculator: how much state mortgage you can get
Zakaut is a state loan counted in points: from 599 points you get ₪54,240, up to ₪161,665 at 2,200. Oleh families get a fixed 730 points, at least 1,700 in year 1 and 1,800 from year 2, for 15 years after aliyah.
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Early repayment fee calculator
The fee is mainly the capitalization fee: your remaining payments discounted at today's Bank of Israel average minus the same payments at the lower of your rate and the average at origination. It is cut 20% after 3 years and 30% after 5. Prime and Zakaut pay none.
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Purchase tax (mas rechisha) calculator for olim and residents
In 2026 an oleh buying an only home pays 0% up to ₪1,978,745 and 0.5% up to ₪6,055,070. A resident's only home pays 0% to ₪1,978,745, then 3.5%, 5%, 8% and 10%. An additional home pays 8%, then 10% above ₪6,055,070.
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