Estimated mortgage amount according to the data
short
The possible mortgage amount is limited by the lower of two calculations: the allowed financing rate in relation to the value of the property, and the ability to repay in relation to disposable income. The calculator shows a regulatory ceiling alongside a more cautious target, but the final approval depends on the bank's underwriting and borrower and property data.
Ability test
How much mortgage can you take without guessing.
Cross between the financing limit and the return that the income can bear, and get a clear planning range.
ceiling according to financing rate
ceiling according to the repayment ratio 50%
Target return by 35%
Refund ceiling at 50%
Three limitations that are important to know
- Financing rate: Up to 75% for a single apartment, up to 70% for a replacement apartment and up to 50% for an investment apartment.
- Payback Ratio: The bank is not allowed to approve a loan whose repayment rate exceeds 50% of disposable income. Above 40% the loan is considered more dangerous.
- period: The final repayment period is limited to 30 years.
The source is Proper Banking Management Instruction 329 of the Bank of Israel and stand The reform of transparency in mortgages.
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