israeli-mortgage-comparator
Israeli Mortgage Comparator
Instructions
Step 1: Understand the Israeli Mortgage System
The Israeli mortgage system is unique. Unlike most countries where you take a single loan at one rate, Israeli mortgages are composed of multiple parallel tracks (maslulim), each with different interest rate mechanisms. A typical mortgage combines 3-5 tracks to balance risk and cost.
The 5 main mortgage tracks:
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Prime (ריבית פריים) - Variable rate linked to the Bank of Israel prime rate. Currently prime = Bank of Israel rate + 1.5%. Changes whenever the central bank adjusts its rate. Expressed as "Prime minus X%" (e.g., Prime - 0.5%).
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Fixed Non-Linked (קבועה לא צמודה) - Fixed interest rate, not linked to CPI. The safest track: your payment never changes for the entire loan period. Typically the highest starting interest rate.
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Fixed CPI-Linked (קבועה צמודה למדד) - Fixed interest rate but the principal is linked to the Consumer Price Index (madad). Lower starting rate than fixed non-linked, but your outstanding balance grows with inflation.
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Variable CPI-Linked (משתנה צמודה למדד) - Variable interest rate (resets every 5 years) and principal linked to CPI. Double exposure: both rate changes and inflation adjustments.
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Variable Non-Linked (משתנה לא צמודה) - Variable interest rate (resets every 5 years), not linked to CPI. Rate adjusts periodically but no inflation linkage.
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