LTV · Shiur mimun
Israel Mortgage Down-Payment Calculator
Estimate minimum equity and maximum mortgage under the Bank of Israel’s standard LTV categories.
A maximum is not an entitlement: the bank may approve less because of income, credit, age, property type, valuation, residency, currency or documentation.
Page informationMethodology · Version history
Version2026.08.7
Last checkedAugust 1, 2026
Information typeRegulatory planning calculator
Source basisBank of Israel maximum-LTV framework
Known limits: Foreign-buyer and bank-specific policies may be stricter; transaction costs are not part of the property equity calculation.
Update policy: Material rule changes and corrections are logged on the version-history page.
Minimum property equity
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Maximum mortgage
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Cash required incl. entered costs
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Cash remaining / shortfall
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Property-price ceiling from cash
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Official maximum-LTV categories
| Purchase type | Maximum mortgage | Minimum equity |
|---|---|---|
| Single dwelling | 75% | 25% |
| Replacement dwelling | 70% | 30% |
| Investment dwelling | 50% | 50% |
The bank uses the property value accepted for LTV purposes. Under the Bank of Israel explanation, the relevant value cannot exceed the lower of the contract price and the accepted appraisal.
Official source: Bank of Israel mortgage transparency and LTV guide.