Mortgage calculator · Financial math

Israel Mortgage Payment Calculator

Estimate a level monthly mortgage payment, total interest, and remaining balance. Use the weighted average rate from a real bank offer when comparing mixed mortgage tracks.

Not an approval calculator: Israeli mortgages often combine linked, variable, prime, and fixed tracks. This page models one blended constant rate and does not predict indexation or future rate resets.
Affordability: Compare Bank of Israel LTV limits with a sustainable household payment.
Calculator informationMethodology · Version history
Version2026.07.2
Last checkedJuly 16, 2026
Information typeFinancial model
Source basisStandard amortization formula and user assumptions

Known limits: Mixed tracks, indexation, rate resets, approval rules, insurance and fees are not predicted.

Update policy: Material rule changes and corrections are logged on the version-history page.

Loan amount
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Monthly payment
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Payment + insurance
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Payment / net income
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Total interest
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Balance after selected years
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What this calculation includes

The payment uses standard amortization. It does not include purchase tax, lawyer, agent, appraisal, registration, renovation, early-repayment fees, inflation linkage, changing prime rates, or bank-specific affordability rules. Enter those costs in the rent-vs-buy calculator when comparing scenarios.

See how an Israeli mashkanta differs from a single fixed-rate loan.

A constant-rate amortization model gives an estimated monthly payment of about ₪12,884 and total interest of about ₪2.24 million, before insurance, CPI linkage, rate changes and fees.

Example: ₪2.4 million for 30 years at 5%

Continue planning

Useful next steps

Compare bank offersTest three blended-rate scenarios.Down paymentCheck the maximum-LTV category.Total cash neededAdd purchase tax and transaction costs.