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.
Zakaut (eligibility) is a loan from the Ministry of Construction and Housing that becomes one slice of your mortgage. The ministry counts points, and each band of points has a fixed base loan: ₪54,240 from 599 points, ₪107,090 from 1,700, ₪117,985 from 1,800, up to ₪161,665 from 2,200. You must also be chasar dira, without a home, in the last 10 years.
For an oleh family the points are the completed years since you received immigrant status (30 points in year 0, 250 after one year, then 300, 350, 400, 450 and 50 more each year), plus points for children, plus a fixed 730. The total can never be below 1,700 in the first year or 1,800 from the second year. Olim keep these terms for 15 years from the date on the teudat oleh, not 10. After that you are assessed like a resident.
Residents get points for years of marriage and children (and siblings, not asked here), and singles for age. For an immigrant single the Ministry page and the Kol Zchut rights guide read the rule differently, so treat that estimate as provisional.
This tool shows the base loan only. Months of army or national service add money on top, and some places and programs add more. The eligibility certificate (te'udat zaka'ut) from the ministry is the only authoritative figure. The loan has a fixed, CPI-linked rate capped at 3% and no early repayment fee.
Questions
- How long are olim eligible for the Zakaut loan?
- 15 years from the date you received immigrant status, as it appears on your teudat oleh. The old limit was 10 years until 2012. After 15 years you are assessed under the resident rules.
- How many points does an oleh family get?
- Points for completed years since aliyah, plus children, plus a fixed 730. The total is never below 1,700 in the first year or 1,800 from the second year, so a typical young oleh family lands at 1,800 or more.
- How much is the Zakaut loan worth?
- The base loan runs from ₪54,240 (599 to 999 points) to ₪161,665 (2,200 points or more). For example 1,800 points gives ₪117,985, before any supplement for army or national service.
- Do I need a certificate before I trust this number?
- Yes. This is an estimate from the ministry tables. The certificate from the Ministry of Housing, issued through your bank, has the exact amount, and you need to be without a home to receive it.
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