Financing12 min read
Mashkanta in Israel — Complete mortgage guide 2026
The 5 tracks explained, minimum down payment, Shpitzer vs Keren Shava, negotiation tips.
Author : Equipe AllBatimPublished : 2026-01-20Updated : 2026-04-10
Table of contents
Introduction: the Mashkanta system
Israel's mortgage system works differently from Europe or the US. You compose your Mashkanta from multiple 'tracks' with different characteristics.
Quick answer: Minimum down payment is 25% for residents (first home) and 50% for non-residents. Max duration: 30 years.
The 5 tracks explained
1. Prime rate — 2. Fixed non-indexed — 3. Fixed CPI-indexed — 4. Variable non-indexed — 5. Variable CPI-indexed. Most borrowers combine 2-4 tracks.
Frequently asked questions
What is the minimum down payment?
25% for residents (first home), 50% for non-residents or additional properties.
Can non-residents get a Mashkanta?
Yes, all major Israeli banks lend to non-residents with 50% minimum down payment.
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