israeli-mortgage-comparator
Installation
SKILL.md
Israeli Mortgage Comparator
Snapshot (fetch before quoting)
This skill hard-codes no interest rate and no tax bracket. Both drift, and a stale number here is worse than no number. Fetch them at use time:
| Variable | Where to get it | Note |
|---|---|---|
| Bank of Israel rate | https://boi.org.il/PublicApi/GetInterest returns the current rate and the next decision date as JSON. Human-readable equivalent at boi.org.il |
The single most drift-prone input to every calculation below. Decisions land roughly every 6 weeks |
| Prime rate | BoI rate + 1.5 percentage points. The Bank of Israel's own explanation sheet for the approval in principle (Directive 451, Appendix 6) defines Prime as "Bank of Israel rate + 1.5%". Confirm against the bank's published prime before quoting | Prime is uniform across banks; only each bank's discount or premium TO prime varies |
| Purchase tax (mas rechisha) brackets | mas.gov.il, or the israeli-real-estate skill, which is the authoritative holder of the bracket table |
Do not restate bracket figures from memory |
The regulatory limits in Step 2 are different in kind: they are set by a published Bank of Israel directive and change only when the directive is amended, so they are stated here with their section numbers.