mortgage routes
Prime vs. CL: the differences that are important to understand before choosing
Comparison between a prime route and a non-linked fixed interest route in terms of interest rate changes, certainty, flexibility and cost.
to the guide →short
Prime, KLC, adjacent tracks, settlement tables and comparing bank offers in a clear way.
Knowledge Center
Interest rates, routes and mixes
Prime, KLC, adjacent tracks, settlement tables and comparing bank offers in a clear way.
2026 mortgage
Mortgage in 2026: interest, limitations and decisions that need to be made correctly
Updated guide to a mortgage in Israel in 2026: Bank of Israel interest rate, prime interest rate, financing rates, repayment ratio, period and mix.
to the guide →mix and interest rates
Prime interest rate in 2026: what it is and how an interest rate change affects the mortgage
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.
to the guide →mix and interest rates
Spitzer or equal Kern: the difference in numbers
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.
to the guide →mortgage routes
Attached versus non-attached mortgage: what changes along the way
Explanation of linking the fund to the index, nominal certainty, initial interest rate and the real cost of mortgage routes.
to the guide →Mortgage planning
Monthly mortgage repayment by amount: what really determines the payment
How to estimate monthly repayment for mortgages in different amounts and why interest rate, period, linkage and mix change the result.
to the guide →interim financing
Balloon loan, outstanding or bridging: the differences and risks
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.
to the guide →Comparing mortgages
Comparing mortgage offers between banks: this is how you really compare
How to read uniform approvals in principle and compare total interest, expected high return, total cost and track conditions.
to the guide →Real estate investments
Leverage in real estate and stress testing: how to check if the deal is durable
A guide for calculating leverage, flow and reserve in the scenario of a decrease in rent, non-occupancy, unusual expenditure or interest rate change.
to the guide →mix and interest rates
Mortgage mix: the complete guide to building the right mix
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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