Israel Mortgage Calculator
Israeli banks cap how much they lend based on who you are: 50% of the price for foreign residents and investors, up to 75% for a first home. See your monthly payment and the minimum down payment before you talk to a bank.
How much an Israeli bank will lend
1. Israeli resident buying a first home: up to 75% of the price.
2. Israeli resident replacing a home: up to 70%.
3. Investment or second home, and foreign residents: up to 50%.
4. Banks also look at income. Most want the monthly payment at 30% to 40% of household income or less, and Bank of Israel rules cap it at 50%.
Frequently asked questions
Can foreigners get a mortgage in Israel?
Yes. Israeli banks lend to non-residents, usually up to 50% of the price, with proof of income from abroad and an Israeli bank account.
What interest rate should I expect?
It depends on the mix of tracks. Prime is 4.75% as of September 2026, and fixed and CPI-linked tracks are priced differently. A mortgage broker builds the mix that fits you.
Do new olim get better terms?
Olim buying their first home can usually borrow up to 75%, the same as Israeli first-time buyers, and may qualify for a government eligibility loan.
Keep reading: Getting a mortgage in Israel as a foreigner | Israel purchase tax and buying cost calculator | Closing costs when buying in Israel | Talk to us about your purchase