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Buying Your First Home
On foreign income, with no Israeli credit history
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Learn
How the Israeli market differs from the one you left
Read
Rent or buy, as an oleh
The case for waiting a year against the case for buying now, with the oleh-specific factors on both sides.
Read
How a purchase actually runs here
Offer, zichron devarim, contract and Tabu registration, in the order they happen.
Read
Mortgage tracks explained
Prime, fixed and index-linked, and why Israeli mortgages are built as a mix rather than one rate.
Read
What a bank will lend you
Loan-to-value ceilings and how an oleh with no local credit file is assessed.
Assess
What the numbers say about your own case
Calculator
Size the mortgage
Monthly payment and total cost across the tracks you are considering.
Calculator
Price the purchase tax
Mas rechisha at the oleh rate against the standard one, so you know what the status is worth.
Calculator
Balance the mix
How splitting the loan across tracks changes your exposure and your payment.
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Borrowing on foreign income
What underwriters ask for when your salary arrives in dollars and your credit file is empty.
Compare
The vocabulary and the choices, side by side
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Mortgage Hebrew
The terms the banker will use at the desk, with plain English beside them.
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Off-plan against second-hand
Kablan purchases and resale flats compared on payment schedule, risk and what you can inspect.
Act
The claims and appointments that have deadlines
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Check the government mortgage
The subsidised loan olim can stack on a commercial mortgage, and its limits.
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Lawyer, Tabu and due diligence
What your lawyer must check before you sign, and what registration proves.
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Decide on a mortgage advisor
When a yoetz mashkantaot pays for itself, and what to ask before hiring one.
Book ishur ekroni appointments at two banks in the same week. Bring passport, teudat zehut, teudat oleh, three months of payslips or foreign income evidence, and bank statements. The approval is non-binding and free, so a second one costs you nothing and is the only way to see whether the first was competitive.