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No jargon and no sales. If after reading you decide to manage on your own, that's also perfectly fine.
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Ailon's guide center is a professional information center on mortgages in Israel: how to build the right mix, what you need to know as a mortgage winner, and when mortgage refinancing really pays off. The guides are written in simple language and updated regularly.
Knowledge centers
Equity, approval in principle, ability to repay, transaction costs and choosing a mortgage for first home buyers.
Guides and tools for the winners, from choosing the apartment and the equity to the approval in principle and the execution of the mortgage.
Feasibility check, repayment fees, alternative mix and comparing the remaining cost against a new offer.
Prime, KLC, adjacent tracks, settlement tables and comparing bank offers in a clear way.
Decision center for real estate investors: financing a second apartment, equity, purchase tax, full costs, yield, flow, stress tests and checking the deal before signing.
What is the difference between a full balloon, outstanding and a bridging loan, how is the final payment calculated and what tests are performed before interim financing.
List of financial checks for the investor before a contract: price, tax, expenses, appraisals, financing, rent, flow and reserve.
A guide to planning financing at the property portfolio level, with reserve, repayment ratio, order of capital use and stress tests before the next transaction.
A guide to checking the price of a mortgage consultant, the scope of support, products, payment terms and the way to compare offers without looking only at the amount.
A guide to mortgage appraisals: how the value affects the financing rate, when it is advisable to perform preliminary appraisals, what the appraiser checks and how to prepare for the gap between the price and the value.
A practical guide to mortgage insurance: the difference between life and structure insurance, choosing insurance amounts, comparing offers, changing companies and costs that should be added to the monthly repayment.
What is mortgage foreclosure, when is it better than repayment and recycling, which securities does the bank examine and how do you plan the time gap between sale and purchase.
This is how you check purchase tax for a single apartment, what is the difference between a first apartment and a single apartment and what data must be checked before signing.
A guide for calculating leverage, flow and reserve in the scenario of a decrease in rent, non-occupancy, unusual expenditure or interest rate change.
A guide to planning equity, purchase tax, financing rate, repayment and cash flow when purchasing an additional apartment or investment property.
How to plan a mortgage for the purchase of a lot and self-construction, what documents are required and how to prevent a flow gap between the construction stages.
A guide to examining an investment apartment according to total cost, financing, tax, rent, maintenance, flow and risk.
How to read uniform approvals in principle and compare total interest, expected high return, total cost and track conditions.
The risks and tests in a contractor deal where a large part of the consideration is deferred until the delivery date, including financing, linkage and collateral.
The legal, banking and taxation steps in purchasing property in Israel remotely or as a foreign resident.
A guide to financing a property in Israel for a foreign resident, including regulatory ceilings, bank policies, income in foreign currency and taxation.
Explanation of linking the fund to the index, nominal certainty, initial interest rate and the real cost of mortgage routes.
A complete list of costs for the investor, including purchase tax, lawyer, brokerage, financing, renovation, maintenance, tax and exit planning.
Updated guide to a mortgage in Israel in 2026: Bank of Israel interest rate, prime interest rate, financing rates, repayment ratio, period and mix.
How to estimate monthly repayment for mortgages in different amounts and why interest rate, period, linkage and mix change the result.
The steps a young couple should take before buying an apartment, including budget, equity, eligibility, approval in principle and comparing banks.
Legal and responsible ways to adjust a mortgage for low income without hiding obligations and without creating a dangerous flow.
What is considered in a mortgage in old age, including period, post-retirement income, insurance, heirs and financing alternatives.
Practical steps after being refused a mortgage, including checking income, liabilities, credit data, assets and application structure.
Comparison between a prime route and a non-linked fixed interest route in terms of interest rate changes, certainty, flexibility and cost.
An explanation of the purchase tax for an apartment that is not a unit, the reporting date, the tax rates and the effect on the investment return.
How to calculate gross return, net return and cash flow after financing an apartment for investment in Israel.
The prime interest rate in August 2026 is 5%. This is how it is determined, how it affects the return and what should be checked before choosing a prime route.
A clear comparison between the Spitzer schedule and an equal fund: first repayment, total interest, rate of decrease of the fund and for whom each method is suitable.
Guide to purchase tax planning, lawyer, brokerage, appraisals, registration, renovation, insurances and reserve before buying an apartment.
What is an early repayment fee, what does it consist of, in which routes does it apply, and how can it be reduced or avoided altogether.
Is a mortgage consultant worth it, how much does it cost, what is the difference between an independent consultant and a bank clerk, and what questions to ask before signing a fee agreement.
How much equity is required for a first apartment, for housing developers and investors, from which sources can it be supplemented, and what is the bank willing to recognize.
What does an in-principle approval for a mortgage include, how long are the conditions maintained, which conditions are still being checked and why is it recommended to get it before signing a contract.
How the bank does an independent review, what documents are required, what to do when the assessment is low, and how to prepare a year in advance to get good terms.
How does the bank calculate how much of a mortgage to approve for you, what is the repayment ratio, what is considered income and what is counted as a liability, and how to increase the amount.
Did you win a price lottery for a tenant? The complete guide: how much equity is needed, how the mortgage is calculated, schedules and what to do at each stage.
The complete guide to mortgage refinancing: when it's worth it, how to calculate worth versus an early repayment fee, and what the process is.
How to build the right mortgage mix, what is the difference between the routes, and why the difference between a standard mix and an optimal mix is worth hundreds of thousands of shekels.
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We will understand where you stand and tell you straight away if you have anything to save. If not, we'll say that too.
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