Israeli Mortgage (Mashkanta) Calculator
Israeli mortgages are usually a mix (tamhil) of tracks: prime, fixed and CPI-linked. This tool shows how the mix changes your payment over time.
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Book a free intro callHow this calculator works
- Each track is repaid with equal payments (Spitzer schedule) at the rate you enter.
- CPI-linked tracks grow with the inflation you assume, so their payments rise over time.
- Results are checked against the Bank of Israel caps on loan-to-value and payment-to-income.
Questions
Which mix should I choose?
That depends on your situation and risk tolerance. Use this to understand the trade-offs; a licensed mortgage adviser or your bank can advise you personally.
Why does my payment go up?
CPI-linked tracks are indexed to inflation, and prime moves with the Bank of Israel rate.
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