Israeli Mortgage Comparator

Snapshot (verify before quoting)

Variable	Value	Source
BoI rate (May 2026)	3.75% (cut from 4.0% on 2026-05-25; 4.0% was set 2026-01-05 from 4.25% and held Feb/Mar 2026)	bankisrael.gov.il
Prime rate (May 2026)	5.25% (= BoI + 1.5%)	derived from BoI
BoI forecast	gradual decline to ~3.5% by end-2026 / early-2027 per BoI staff forecast	BoI staff forecasts
Purchase tax (mas rechisha) bracket 0%	up to 1,978,745 NIS	mas.gov.il, brackets frozen 2025-2027
Investment-property purchase tax	8% up to 6,055,070 NIS, 10% above	mas.gov.il
Foreign-resident max LTV	50% (regulatory ceiling; banks may offer less, not more)	BoI Banking Supervision
First-time buyer (mathil) max LTV	75%	BoI Banking Supervision
Upgrader (meshaper) max LTV	70%	BoI Banking Supervision
Investor (mashkia) max LTV	50%	BoI Banking Supervision

These figures are time-sensitive; agents should re-verify the BoI rate and purchase-tax brackets on every fresh use.