Bank of Israel rate
Nominal interest rate
3.25%Percent per year
Observation period:
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Official source: Bank of IsraelIsrael Mortgage Data Center
Bank of Israel policy rate, consumer prices and average fixed housing-loan rates, with history and official sources.
Consumer Price Index
All-items CPI, monthly change
0.7%Monthly change, percent
Observation period:
12-month change: 1.5%
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Official source: CBSFixed unlinked mortgage rate
Average new housing loans to households
4.62%Percent per year
Observation period:
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Official source: Bank of IsraelFixed CPI-linked mortgage rate
Average new housing loans to households
3.29%Percent per year
Observation period:
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Official source: Bank of IsraelHistorical observations
| Observation period | Value (%) |
|---|---|
| 3.25% | |
| 3.25% | |
| 3.5% | |
| 3.5% | |
| 3.75% | |
| 3.75% | |
| 4% | |
| 4% | |
| 4% | |
| 4% | |
| 4.25% | |
| 4.25% |
What does it mean for a mortgage?
Bank of Israel rate
The Bank of Israel rate influences financing conditions and prime-based tracks. It is not your personal mortgage rate. Margins, offer terms and the timing of changes are governed by your loan agreement.
MNT_RIB_BOI_D
Consumer Price Index
CPI measures changes in a consumer basket, not house prices. In an index-linked track, the indexation mechanism can change principal and payments under the loan contract. Monthly and 12-month changes are different measures, neither of which forecasts future inflation.
120010
Fixed unlinked mortgage rate
This is a banking-system average for new fixed-rate, unlinked housing loans to households. It covers different borrowers and terms, not an offer from a particular bank. Your rate depends on term, loan-to-value, affordability and negotiation, among other factors.
BNK_99034_LR_BIR_MRTG_467
Fixed CPI-linked mortgage rate
This is a banking-system average for new fixed-rate, CPI-linked housing loans to households. The quoted rate does not include a forecast of additional CPI indexation. A lower stated rate does not by itself make this track cheaper than an unlinked loan.
BNK_99034_LR_BIR_MRTG_1492
Index level: 105.8 · Index base: 2024 ממוצע
Sources, updates and limitations
The source API does not supply a separate publication date; the observation period is not necessarily its publication date.
Rate observations come from the Bank of Israel public statistics API; CPI comes from the CBS API, series 120010. Each indicator includes its exact series code and a link to source data.
The policy rate uses the latest available daily observation. Its chart keeps the final available observation in each month, not a monthly average or the date of a policy decision. Other series are monthly; observation dates follow the source dataset.
Sources are checked whenever the site is rebuilt. This page serves a saved snapshot and does not fetch fresh source data on every visit. After 48 hours without a check, a warning appears; this does not prove the value has changed. Source failures never replace verified data with estimates.
Official figures may be published with a delay or revised. Compare periods, index bases and track definitions carefully. These figures are not personal advice, forecasts, an early-repayment charge calculation or a lender commitment.