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English
Englishעבריתالعربية
English
Englishעבריתالعربية
Data updated through August 2026
A mortgage is a mix of tracks, terms and risk levels—not one rate. Compare both each track's rate and the overall mix, seeking an affordable payment and a total cost you understand.
For guidance on building a mix, mortgage tracks or other mortgage and real-estate topics, visit the Real Estate and Mortgages category.
For the clearest picture, select a bank and review its mix: fixed versus variable tracks and linked versus unlinked portions.
💡 Smart tip: do not focus only on the lowest rate in one track. Evaluate a mortgage by total cost (IRR) and long-term risk.
4.84%
6.98%
4.51%Choose a bank and metric. The table and chart show the same data, followed by the selected bank's mix details.
Swipe sideways to view every metric in the table.
| System total Benchmark | 5.07% | 4.68% | 4.37% | 4.40% | 3.19% | 3.23% |
|---|---|---|---|---|---|---|
| 4.84% | 4.61% | 4.00% | 4.48% | 2.65% | 2.98% |
| 4.91% | 4.51% | 4.43% | 4.29% | 2.59% | 2.72% |
 | 5.00% | 4.60% | 4.35% | 4.35% | 3.10% | 3.06% |
 | 5.03% | 4.62% | 4.38% | 4.42% | 3.03% | 3.26% |
 | 5.14% | 4.79% | 4.42% | 4.42% | 3.43% | 3.27% |
 | 5.17% | 4.74% | 4.55% | 4.52% | 3.01% | 3.10% |
| 6.98% | 6.24% | 5.99% | 6.19% | 4.96% | 4.92% |
Data updates with the selection at the top of the comparison. Updated: August 2026
Estimated total cost of the mix
5.07%
The data comes from the Bank of Israel comparison tool and is updated in line with its publications.
Your actual rate depends on loan size, loan-to-value ratio, property value, term, credit rating, income, mortgage mix and negotiation with the bank. Open the Bank of Israel comparison tool
A mix is the division of a mortgage among different tracks: fixed, variable, index-linked, non-index-linked, and prime. The purpose of the mix is to spread risk and create a balance that suits your financial capabilities.
IRR is a metric that calculates the projected total cost of the mortgage over the loan term, including future payments and interest. It makes it possible to compare different offers more comprehensively than by looking at the interest rate of just one track.
Not always. You need to check which track has the low interest rate, what its share of the mix is, and what the total cost of the entire mortgage is.
Yes. With a mortgage, even a small difference in interest rates can be significant over the years. It is advisable to review several offers and use the comparison data as a basis for negotiation.
A good mortgage is not necessarily the one with the lowest single-track rate. It has a suitable mix, an affordable monthly payment and a transparent total cost you understand in advance.