Israeli Mortgage Comparator
Trusted87/100The Problem
Taking a mortgage is the largest financial decision for most Israeli families, yet comparing different mortgage tracks — Prime, fixed unlinked, CPI-linked, and variable — across banks is complex and requires understanding Bank of Israel regulations, LTV limits, and financing rules. Banks offer different mixes and different spreads on each track, and without proper comparison, borrowers can end up paying hundreds of thousands of shekels more over the loan''s lifetime. This skill enables track analysis, interest rate comparison, and understanding the total impact of each mortgage mix.
Compare mortgage tracks (maslulei mashkanta) across Israeli banks, calculate monthly payments for mixed-track portfolios, and understand Bank of Israel regulations including LTV limits and CPI-linked caps. Use when a user needs to evaluate mortgage offers from different banks, calculate refinancing savings, or understand how Prime rate changes affect their payments. Covers Leumi, Hapoalim, Discount, Mizrachi-Tefahot, FIBI, Mercantile, and Yahav. Do NOT use for commercial real estate loans, business credit lines, or non-Israeli mortgage products.
skills-ilnpx skills-il add skills-il/tax-and-finance --skill israeli-mortgage-comparator -a claude-codeInstall on Claude.ai, Claude Desktop, ChatGPT, or other platforms
- 1. Click "Download ZIP" to download the skill files.
- 2. Open Claude Desktop and go to Customize > Skills.
- 3. Click "+" and select "Upload a skill", then upload the ZIP file.
- 4. Start a new conversation. The skill will activate automatically when relevant.
When to Apply
- Comparing interest rates and spreads on mortgage tracks across banks before signing
- Analyzing recommended mortgage mixes based on loan amount, income, and risk tolerance
- Evaluating the value of refinancing an existing mortgage given interest rate changes
- Calculating LTV limits and maximum monthly payments per Bank of Israel guidelines
- Checking eligibility for government housing programs like Mechir Lamishtaken or housing grants
Try These Prompts
Compare Mortgage Interest Rates
Compare current mortgage interest rates across 5 leading Israeli banks for a 1.2M NIS mortgage over 25 years. Show Prime spread, fixed unlinked rate, and CPI-linked rate for each bank.
Recommended Mix Analysis
We are a couple with combined net income of 25,000 NIS, taking a 1.5M NIS mortgage on an apartment worth 2.2M. Suggest 3 possible mixes (conservative, balanced, aggressive) with track breakdown, monthly payments, and total interest cost.
Mortgage Refinancing Analysis
I have a mortgage with 800,000 NIS remaining, 18 years left. Tracks: Prime + 0.9% and fixed at 4.5%. Analyze whether refinancing at today''s rates is worthwhile, including early repayment penalties.
Bank of Israel LTV Limits
Explain Bank of Israel LTV limits by buyer type: first apartment, upgraders, and investors. Calculate required equity for a 1.8M NIS apartment in each category.
Frequently Asked Questions
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