Israeli Mortgage Comparator
Verified100/100Compare mortgage tracks (maslulei mashkanta) across Israeli banks, calculate monthly payments for mixed-track portfolios, and understand Bank of Israel regulations including LTV limits and CPI-linked caps. Use when a user needs to evaluate mortgage offers from different banks, calculate refinancing savings, or understand how Prime rate changes affect their payments. Covers Leumi, Hapoalim, Discount, Mizrachi-Tefahot, FIBI, Mercantile, and Yahav. Do NOT use for commercial real estate loans, business credit lines, or non-Israeli mortgage products.
There is a quick calculator for this skillWhat is your monthly mortgage payment?Trust score 100/100 (Verified) · 655+ installs · 3 GitHub contributors · MIT license
Taking a mortgage is the largest financial decision for most Israeli families, yet comparing different mortgage tracks — Prime, fixed unlinked, CPI-linked, and variable — across banks is complex and requires understanding Bank of Israel regulations, LTV limits, and financing rules. Banks offer different mixes and different spreads on each track, and without proper comparison, borrowers can end up paying hundreds of thousands of shekels more over the loan''s lifetime. This skill enables track analysis, interest rate comparison, and understanding the total impact of each mortgage mix.
skills-ilHow to use this skill
Not sure how? Read the guide- 1. Click "Download ZIP" to download the skill files.
- 2. Open Claude Desktop and go to Customize > Skills.
- 3. Click "+" and select "Upload a skill", then upload the ZIP file.
- 4. Start a new conversation. The skill will activate automatically when relevant.
Developers? Install via command line (CLI)
npx skills-il add skills-il/tax-and-finance@v1.2.1-israeli-mortgage-comparator --skill israeli-mortgage-comparator -a claude-codeWhen to Apply
- Comparing interest rates and spreads on mortgage tracks across banks before signing
- Analyzing recommended mortgage mixes based on loan amount, income, and risk tolerance
- Evaluating the value of refinancing an existing mortgage given interest rate changes
- Calculating LTV limits and maximum monthly payments per Bank of Israel guidelines
- Checking eligibility for government housing programs like Mechir Lamishtaken or housing grants
Try These Prompts
Compare current mortgage interest rates across 5 leading Israeli banks for a 1.2M NIS mortgage over 25 years. Show Prime spread, fixed unlinked rate, and CPI-linked rate for each bank.
We are a couple with combined net income of 25,000 NIS, taking a 1.5M NIS mortgage on an apartment worth 2.2M. Suggest 3 possible mixes (conservative, balanced, aggressive) with track breakdown, monthly payments, and total interest cost.
I have a mortgage with 800,000 NIS remaining, 18 years left. Tracks: Prime + 0.9% and fixed at 4.5%. Analyze whether refinancing at today''s rates is worthwhile, including early repayment penalties.
Explain Bank of Israel LTV limits by buyer type: first apartment, upgraders, and investors. Calculate required equity for a 1.8M NIS apartment in each category.
Frequently Asked Questions
Changelog
Updated the Bank of Israel rate to 3.50% (cut 2026-07-06) and Prime to 5.00%, refined the one-third fixed-track rule (may be indexed or unindexed), and corrected+sourced the reservist mortgage-deferral protections.
Jul 15, 2026
Updated the BoI rate (cut to 3.75% on 2026-05-25, Prime 5.25%), reframed the Iron Swords relief (verify at boi.org.il, not "expired Jan 2026"), corrected the track-composition rule date (Directive 329, Dec 27 2020), replaced a dead calculator link, added a Mechir LaMishtaken rebrand note, and added a Hebrew snapshot table.
May 31, 2026
Corrected 3-year-stale BoI Banking Supervision rule — fixed-rate floor 33.33% / variable+Prime up to 66.67% (was wrongly stating Prime ≤ 33%, abolished Jan 17 2023). Added 2026 snapshot block (BoI rate 4.0%, Prime 5.5%, purchase-tax brackets frozen 2025-2027). Added Reservist Statutory Mortgage Protections section + note that broader Iron Swords loan-relief framework expired Jan 1, 2026.
Apr 29, 2026
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