Israel Mortgage Calculator: How Much Can Foreign Buyers Borrow?
Non-resident mortgages in Israel are generally capped at around 50% loan-to-value (LTV) — so lenders typically expect at least half of the purchase price to come from your own funds. Choose how much you'd like to put down, and this free calculator shows the property price point that puts you in reach of, along with your monthly mortgage payment and potential rental income.
- Choose how much you'd like to put down
- See the property price point you could be looking at
- Get your approximate monthly mortgage payment and potential rental income
Israel Mortgage Calculator: Find Your Property Price Point
Choose your down payment below to see the price point you could be looking at, under Israel's typical non-resident mortgage terms.
Use the rate you've been quoted — or start with our default of 5.5%.
Enter the expected yield for your area — we default to 3%.
Assumes a foreign, non-resident buyer, with loan-to-value generally capped around 50% under typical Israeli mortgage terms.
Choose a down payment above to see the price point you could be looking at.
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Non-Resident Mortgage Terms in Israel: How This Calculator Works
The assumptions behind every figure above.
Loan-to-Value (LTV) Limits for Non-Residents
Israeli banks generally cap mortgages for non-resident foreign buyers at around 50% of the property's value, often up to 75% for Israeli residents buying their only home — though this can vary by lender and individual circumstances. In practice, your down payment often sets the property price point you could be looking at.
Mortgage Interest Rate
Mortgage rates for non-residents vary by bank, loan structure, and market conditions. Enter the rate you've been quoted, or start with our default of 5.5% as an illustrative benchmark.
Rental Yield
Estimated rental income is based on the gross annual rental yield you enter, defaulted to 3%. Actual rental yields vary significantly by city, neighborhood, and property type — adjust it to match your target area.
Loan Term
Longer loan terms lower the monthly payment but increase total interest paid over the life of the loan. Non-resident mortgage terms in Israel commonly range from 15 to 30 years.
Frequently Asked Questions
How much down payment do I need to buy property in Israel as a foreigner?
Generally, at least around 50% of the purchase price, since non-resident buyers are typically capped at roughly 50% loan-to-value by Israeli banks — though this can vary by lender and individual circumstances. Some buyers choose to put down more and borrow less.
What mortgage interest rate can I expect in Israel as a non-resident?
Rates vary by bank and market conditions. Enter the rate you've been quoted, or use our 5.5% default as an illustrative starting point — your actual rate will depend on the lender and loan structure.
What mortgage tracks are available in Israel?
Israeli mortgages are usually structured as a mix of several tracks rather than a single rate — commonly a Prime-rate track, one or more fixed-rate tracks (linked or unlinked to the CPI), and variable-rate tracks that reset periodically. Lenders often combine two or three tracks within a single mortgage to balance rate stability against cost, and the right mix generally depends on your risk tolerance and loan term.
Can rental income cover my mortgage payment in Israel?
It depends on the property price, your down payment, your interest rate, and the rental yield in your target area. At a typical 3% gross yield, rental income often covers only part of the monthly mortgage payment on a leveraged purchase.
All figures are approximations, for illustrative purposes only. Not to be relied upon as financial advice. Actual mortgage terms, rates, and rental income depend on individual circumstances and should be confirmed with your bank and a licensed mortgage advisor.