Mortgage Calculator
Calculate your mortgage easily - compare tracks, view charts, and get the full picture
Accurate Calculation
Based on current market data, including common interest rates and tracks in Israel
Visual Charts
View payment breakdown, detailed amortization schedule, and clear picture of your mortgage
Scenario Comparison
Compare up to 3 different scenarios and discover the best option for you
Frequently Asked Questions
What is LTV (Loan-to-Value) ratio?
LTV is the ratio between the loan amount and the property value. In Israel, banks won't approve a mortgage with LTV above 75% for a primary residence.
What's the difference between the tracks?
Fixed Rate: Fixed interest rate for the entire term - maximum stability
Variable (5 Years): Interest rate updates every 5 years - medium risk
Prime: Variable with Bank of Israel rate - high risk but potential savings
CPI-Linked: Low interest but principal linked to inflation
What's a recommended mix?
The recommended mix varies by risk tolerance. Generally, it's recommended to spread the loan across multiple tracks. A common mix is one-third fixed, one-third variable, and one-third prime.
Tax Benefits
First-time home buyers may be eligible for certain tax benefits. Consult with a tax advisor for details.
Disclaimer: This calculator provides estimates only and does not constitute financial advice. Actual rates and terms may vary. Consult a licensed mortgage advisor before making decisions.