Home / Home / Mortgage Calculator

Mortgage Calculator

₪
₪ 30%
₪
%
Monthly payment breakdown
₪ 5,389 /mo
Principal & Interest ₪4,949
Property Tax ₪324
Insurance ₪116
₪
₪
Monthly payment summary
Total mortgage payment: ₪0/mo
Total interest over all loans ₪0
₪
₪
Estimated budget: ₪ 3,200,000

In most cases, the budget can be increased with the right structure.

Do you need help?

Contact me and I will help you with your questions

Sarah Smith
Lendex Consultant
+972-58-444-8882

How the calculator works

  • 01

    Property price

    Your target budget or the total purchase price of the property you're buying. Not sure? Use budget calculator first.

  • 02

    Downpayment

    The amount you're paying upfront out of pocket. In Israel, the minimum is typically 25% for a first home.

  • 03

    Interest rates

    The annual rate your bank charges on the loan. In Israel, mortgages are split across multiple tracks. Not sure? Check the updated rates for 2026.

  • 04

    Loan term

    How many years you'll be paying off the mortgage. Longer term = lower monthly payment, but more interest paid overall. Most Israeli mortgages run 20–30 years.

btn icon

Seems overwhelming?

Don’t deal with the bank on your own

Apply now
button icon

Additional monthly payments

Additional ongoing payments on monthly basis, some are paid even when the property is vacant.

  • Mortgage Insurance

    Life and property insurance required before approving the loan. Average monthly payment is about 150-300 ILS.

  • Property tax (arnona)

    Israel's municipal property tax, paid to your local authority. The amount depends on the city, neighborhood, and property size, with an average of 500 ILS / month for a 100 sqm apartment.

  • Building committee (va’ad Habayit)

    Monthly fee paid by all apartment owners in a building for shared maintenance - elevator, cleaning, garden, lobby. On average 300-400 ILS / month, depending on the facilities.

  • Utility bills

    Monthly costs for electricity, water, gas, and internet, with an average of 500 ILS / month for a couple.

Frequently Asked
Questions

Frequently Asked
Questions

Prefer to ask directly?
Contact us via messengers:

  • Can foreign buyers (non-Israelis) get a mortgage in Israel?

    For primary residences, borrowers can often finance up to approximately 75% of the property value.

  • Can foreign buyers (non-Israelis) get a mortgage in Israel?

    For primary residences, borrowers can often finance up to approximately 75% of the property value.

  • Can foreign buyers (non-Israelis) get a mortgage in Israel?

    For primary residences, borrowers can often finance up to approximately 75% of the property value.

  • Can foreign buyers (non-Israelis) get a mortgage in Israel?

    For primary residences, borrowers can often finance up to approximately 75% of the property value.

  • Can foreign buyers (non-Israelis) get a mortgage in Israel?

    For primary residences, borrowers can often finance up to approximately 75% of the property value.

We are here to represent you

While you can do it alone, we can do better together

Apply now
button icon