דילוג לתוכן הראשי
לוגו משכנתא גורו מבית מיקוד משכנתאות מחשבון משכנתא
גורו סוכן משכנתא AI מחשבון משכנתא השוואת ריביות
ריבית בנק ישראל ירדה ל-3.25% בדקו את המשכנתא
גורו סוכן AI השוואת ריביות
ריבית

ריבית משכנתא ממוצעת

רישרד הננפלד יועץ משכנתאות רישרד הננפלד יועץ משכנתאות עודכן לאחרונה: 28 באוקטובר 2026
    ריבית בנק ישראל 3.25% החלטה 21/10/2026 ריבית הפריים 4.75% בנק ישראל + 1.5% ממוצע צמוד למדד 3.49% בתוקף מ-19/10/2026 ממוצע לא צמוד 4.55% בתוקף מ-19/10/2026

    לפני שחותמים על משכנתא חשוב לדעת מה הריביות העדכניות בשוק ואילו מסלולים קיימים. כאן תראו את ריבית משכנתא היום, את ההיסטוריה ואת הנתונים הרשמיים של בנק ישראל והלמ"ס: ריבית בנק ישראל וריבית הפריים, ממוצעי ריביות המשכנתא לפי מסלול ותקופה, מדד המחירים לצרכן ומדד תשומות הבנייה. כל הנתונים מתעדכנים אוטומטית מהמקור.

    קרא עוד על ריביות המשכנתא

    למה הריביות האלה חשובות לכם?

    הריבית היא העלות העיקרית של המשכנתא. הפרש של חצי אחוז בריבית על הלוואה של מיליון שקל ל-25 שנה מתורגם להפרש גדול בעלות הכוללת לאורך תקופת ההלוואה. לכן לפני שסוגרים הצעה מול הבנק כדאי להבין מה הריביות הממוצעות בשוק, ולבדוק את ההצעה שקיבלתם ביחס אליהן.

    מה תמצאו בעמוד?

    • ריבית בנק ישראל וריבית הפריים - הבסיס למסלולי המשכנתא המשתנים. הפריים הוא ריבית בנק ישראל בתוספת 1.5 נקודות האחוז.
    • ממוצעי ריביות משכנתא - פרסום חודשי של בנק ישראל, בהפרדה בין צמוד מדד ללא צמוד, לפי תקופת ההלוואה.
    • מדד המחירים לצרכן - משפיע על כל המסלולים הצמודים למדד.
    • מדד תשומות הבנייה - רלוונטי לרוכשי דירה מקבלן ולהצמדת חוזי בנייה.

    איך משתמשים בעמוד?

    לחצו על אחד הכפתורים בראש העמוד כדי לדלג ישר לטבלה שמעניינת אתכם. לכל טבלה יש אפשרות להוריד את הנתונים כקובץ, להדפיס, לשתף בוואטסאפ או להעתיק קישור ישיר. בלחיצה על הצגת גרף בטבלה הראשית תראו את ההיסטוריה של 12 החודשים האחרונים.

    הנתונים מתעדכנים אוטומטית

    הערכים נמשכים ממקורות רשמיים: בנק ישראל לריבית ולפריים, הלשכה המרכזית לסטטיסטיקה למדדים, וקבצי העדכון החודשיים של בנק ישראל לממוצעי המשכנתאות. תאריך הפרסום מופיע בכל טבלה.

    ריבית בנק ישראל וריבית הפריים

    הערכים הנוכחיים של ריבית בנק ישראל, ריבית הפריים ומועד החלטת הריבית הבאה. מקור: בנק ישראל.

    ריבית בנק ישראל וריבית הפריים, מקור בנק ישראל
    סוג הריבית ערך נוכחי תאריך מגמה פעולה
    ריבית בנק ישראל 3.25% ללא שינוי
    ריבית הפריים 4.75% ללא שינוי
    החלטת ריבית הבאה 23/11/2026 בשעה 16:00 אתר בנק ישראל

    מידע מלא על ריבית הפריים

    הצג טבלת היסטוריה (234 רשומות)

    ריבית בנק ישראל, 234 רשומות. מקור: בנק ישראל.
    תאריך ההחלטה ערך
    3.25%
    3.25%
    3.5%
    3.75%
    4%
    4%
    4%
    4.25%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.5%
    4.75%
    4.75%
    4.75%
    4.75%
    4.75%
    4.5%
    4.25%
    3.75%
    3.25%
    2.75%
    2%
    1.25%
    0.75%
    0.35%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.1%
    0.23%
    0.25%
    0.25%
    0.25%
    0.25%
    0.25%
    0.47%
    0.74%
    0.75%
    0.75%
    0.75%
    0.75%
    0.98%
    1%
    1%
    1%
    1%
    1.22%
    1.25%
    1.25%
    1.25%
    1.61%
    1.75%
    1.75%
    1.75%
    1.75%
    1.96%
    2%
    2.25%
    2.25%
    2.25%
    2.25%
    2.48%
    2.5%
    2.5%
    2.5%
    2.7%
    2.7%
    2.75%
    3%
    3.01%
    3.25%
    3.25%
    3.25%
    3.25%
    3.04%
    3%
    2.5%
    2.29%
    2.03%
    2%
    2%
    1.98%
    1.75%
    1.75%
    1.52%
    1.5%
    1.5%
    1.49%
    1.25%
    1.25%
    1.25%
    1%
    0.77%
    0.75%
    0.75%
    0.53%
    0.5%
    0.5%
    0.5%
    0.5%
    0.7%
    0.97%
    1.68%
    2.5%
    3.15%
    3.91%
    4.25%
    4.02%
    3.75%
    3.53%
    3.27%
    3.25%
    3.67%
    4.22%
    4.25%
    4.03%
    4%
    4%
    4%
    3.76%
    3.52%
    3.5%
    3.74%
    3.96%
    4%
    4.25%
    4.5%
    4.94%
    5.24%
    5.45%
    5.5%
    5.5%
    5.28%
    5.25%
    5.25%
    5.02%
    4.75%
    4.75%
    4.54%
    4.48%
    4%
    3.77%
    3.5%
    3.5%
    3.5%
    3.5%
    3.5%
    3.5%
    3.5%
    3.5%
    3.67%
    3.89%
    4.06%
    4.1%
    4.1%
    4.1%
    4.1%
    4.1%
    4.1%
    4.1%
    4.3%

    ריביות משכנתא ממוצעות צמודות למדד

    ממוצעי הריבית שמפרסם בנק ישראל למסלולים צמודי מדד, לפי תקופת ההלוואה.

    בסמארטפון אפשר לגלול את הטבלה ימינה ושמאלה לצפייה בכל העמודות.

    ריביות משכנתא ממוצעות צמודות למדד, לפי תקופה
    תוקף הריבית החל מ- ריבית ממוצעת עד 5 שנים מעל 5 ועד 10 שנים מעל 10 ועד 15 שנים מעל 15 ועד 20 שנים מעל 20 ועד 25 שנים מעל 25 שנה חודש פירעון
    19/10/20263.49%3.50%3.49%3.24%3.46%3.37%3.53%30/09/2026
    15/09/20263.45%3.41%3.17%3.65%3.50%3.51%3.52%31/08/2026
    13/08/20263.39%3.37%3.16%3.14%3.46%3.49%3.42%31/07/2026
    13/07/20263.45%3.46%3.35%3.49%3.39%3.43%3.46%30/06/2026
    11/06/20263.52%3.57%3.56%3.29%3.54%3.44%3.46%31/05/2026
    14/05/20263.50%3.52%3.58%3.28%3.76%3.55%3.43%30/04/2026
    21/04/20263.40%3.40%3.78%3.36%3.43%3.48%3.34%31/03/2026
    16/03/20263.48%3.52%3.97%3.14%3.60%3.53%3.39%28/02/2026
    11/02/20263.59%3.67%3.73%3.58%3.63%3.76%3.42%31/01/2026
    14/01/20263.49%3.57%3.68%3.61%3.51%3.57%3.30%31/12/2025
    ריביות משכנתא ממוצעות צמודות למדד, לפי תקופה
    תוקף הריבית החל מ- ריבית ממוצעת עד 5 שנים מעל 5 ועד 10 שנים מעל 10 ועד 15 שנים מעל 15 ועד 20 שנים מעל 20 ועד 25 שנים מעל 25 שנה חודש פירעון
    19/10/20263.49%3.50%3.49%3.24%3.46%3.37%3.53%30/09/2026
    15/09/20263.45%3.41%3.17%3.65%3.50%3.51%3.52%31/08/2026
    13/08/20263.39%3.37%3.16%3.14%3.46%3.49%3.42%31/07/2026
    13/07/20263.45%3.46%3.35%3.49%3.39%3.43%3.46%30/06/2026
    11/06/20263.52%3.57%3.56%3.29%3.54%3.44%3.46%31/05/2026
    14/05/20263.50%3.52%3.58%3.28%3.76%3.55%3.43%30/04/2026
    21/04/20263.40%3.40%3.78%3.36%3.43%3.48%3.34%31/03/2026
    16/03/20263.48%3.52%3.97%3.14%3.60%3.53%3.39%28/02/2026
    11/02/20263.59%3.67%3.73%3.58%3.63%3.76%3.42%31/01/2026
    14/01/20263.49%3.57%3.68%3.61%3.51%3.57%3.30%31/12/2025
    11/12/20253.57%3.64%3.67%3.45%3.77%3.65%3.36%30/11/2025
    12/11/20253.59%3.66%3.65%3.33%3.81%3.60%3.44%31/10/2025
    24/10/20253.68%3.77%3.71%3.51%3.63%3.73%3.50%30/09/2025
    11/09/20253.68%3.79%3.80%3.73%3.62%3.80%3.45%31/08/2025
    14/08/20253.74%3.84%4.02%3.53%3.72%3.79%3.53%31/07/2025
    15/07/20253.72%3.83%3.45%3.35%3.67%3.63%3.55%30/06/2025
    16/06/20253.68%3.77%3.29%3.53%3.58%3.50%3.54%31/05/2025
    15/05/20253.55%3.61%3.52%3.26%3.52%3.53%3.47%30/04/2025
    11/04/20253.51%3.53%3.39%3.41%3.74%3.55%3.44%31/03/2025
    12/03/20253.56%3.54%3.82%3.57%3.78%3.75%3.51%28/02/2025
    13/02/20253.62%3.57%3.98%3.66%3.92%3.95%3.66%31/01/2025
    15/01/20253.43%3.44%3.45%3.37%3.58%3.54%3.40%31/12/2024
    11/12/20243.52%3.47%3.99%3.48%3.76%3.71%3.60%30/11/2024
    14/11/20243.45%3.36%3.86%3.43%3.56%3.80%3.59%31/10/2024
    15/10/20243.49%3.43%3.56%3.51%3.73%3.69%3.58%30/09/2024
    11/09/20243.54%3.48%3.55%3.38%3.81%3.77%3.62%31/08/2024
    15/08/20243.55%3.50%3.56%3.40%3.79%3.83%3.63%31/07/2024
    12/07/20243.44%3.38%3.57%3.33%3.66%3.78%3.50%30/06/2024
    17/06/20243.40%3.34%3.60%3.14%3.55%3.58%3.48%31/05/2024
    13/05/20243.46%3.41%3.50%3.28%3.69%3.52%3.51%30/04/2024
    12/04/20243.42%3.31%3.63%3.27%3.85%3.70%3.51%31/03/2024
    13/03/20243.53%3.40%3.94%3.55%4.06%3.80%3.59%29/02/2024
    13/02/20243.63%3.54%3.87%3.49%4.09%4.00%3.62%31/01/2024
    12/01/20243.74%3.76%4.00%3.60%3.99%3.82%3.64%31/12/2023
    13/12/20233.87%3.95%3.99%3.54%4.01%3.90%3.69%30/11/2023
    13/11/20233.78%3.89%3.95%3.47%3.95%3.74%3.52%31/10/2023
    17/10/20233.77%3.85%3.69%3.43%3.94%3.91%3.56%30/09/2023
    13/09/20233.65%3.76%3.65%3.27%3.85%3.64%3.38%31/08/2023
    11/08/20233.71%3.83%3.75%3.46%3.87%3.69%3.45%31/07/2023
    12/07/20233.80%3.92%3.75%3.45%4.00%3.82%3.53%30/06/2023
    12/06/20233.84%3.99%3.78%3.36%3.94%3.81%3.52%31/05/2023
    11/05/20233.84%4.10%3.53%3.27%3.95%3.73%3.42%30/04/2023
    19/04/20233.76%4.02%3.43%3.22%3.69%3.42%3.32%31/03/2023
    14/03/20233.77%4.06%3.45%3.24%3.64%3.43%3.30%28/02/2023
    26/02/20233.75%4.01%3.32%3.24%3.57%3.40%3.34%31/01/2023
    12/01/20233.54%3.73%2.96%3.05%3.40%3.24%3.23%31/12/2022
    13/12/20223.52%3.70%2.93%3.05%3.38%3.34%3.25%30/11/2022
    11/11/20223.43%3.58%2.73%2.96%3.31%3.18%3.21%31/10/2022
    19/10/20223.09%3.14%2.54%2.67%3.07%2.99%3.12%30/09/2022
    13/09/20223.02%3.06%2.33%2.73%2.94%3.01%3.10%31/08/2022
    12/08/20223.04%3.15%2.28%2.57%2.90%2.95%3.03%31/07/2022
    14/07/20222.79%2.83%2.05%2.30%2.71%2.78%2.92%30/06/2022
    14/06/20222.49%2.50%1.79%2.08%2.41%2.53%2.74%31/05/2022
    16/05/20222.28%2.24%1.74%1.97%2.23%2.38%2.65%30/04/2022
    13/04/20222.23%2.20%1.73%1.93%2.21%2.33%2.55%31/03/2022
    14/03/20222.05%1.95%1.60%1.87%2.20%2.28%2.55%28/02/2022
    14/02/20222.01%1.87%1.57%1.89%2.19%2.35%2.61%31/01/2022
    11/01/20221.99%1.88%1.56%1.91%2.20%2.29%2.54%31/12/2021
    13/12/20212.06%1.90%1.72%2.13%2.31%2.46%2.72%30/11/2021
    11/11/20212.13%1.95%1.93%2.07%2.36%2.59%2.80%31/10/2021
    12/10/20212.18%2.05%1.79%2.17%2.34%2.56%2.76%30/09/2021
    20/09/20212.19%2.08%1.82%2.03%2.33%2.52%2.79%31/08/2021
    11/08/20212.19%2.06%1.78%2.08%2.30%2.54%2.81%31/07/2021
    12/07/20212.20%2.05%1.85%2.08%2.35%2.56%2.78%30/06/2021
    11/06/20212.35%2.25%1.94%2.14%2.44%2.63%2.82%31/05/2021
    12/05/20212.41%2.31%2.08%2.20%2.54%2.68%2.90%30/04/2021
    14/04/20212.44%2.35%2.11%2.29%2.50%2.70%2.93%31/03/2021
    11/03/20212.49%2.40%2.15%2.37%2.60%2.77%2.95%28/02/2021
    11/02/20212.68%2.61%2.45%2.45%2.80%2.92%3.12%31/01/2021
    11/01/20212.79%2.73%2.62%2.53%2.77%2.98%3.23%31/12/2020
    11/12/20202.89%2.86%2.74%2.54%2.86%3.07%3.18%30/11/2020
    11/11/20202.84%2.81%2.79%2.51%2.76%3.09%3.13%31/10/2020
    16/10/20202.85%2.81%2.73%2.60%2.85%3.05%3.12%30/09/2020
    11/09/20202.92%2.88%2.79%2.67%2.96%3.07%3.20%31/08/2020
    11/08/20202.85%2.74%2.87%2.68%3.03%3.11%3.32%31/07/2020
    13/07/20202.97%2.86%2.99%2.76%3.13%3.35%3.41%30/06/2020
    11/06/20203.15%3.10%3.01%2.88%3.10%3.40%3.44%30/05/2020
    11/05/20203.20%3.22%2.96%2.71%3.10%3.25%3.40%30/04/2020
    21/04/20202.68%2.63%2.34%2.31%2.58%2.95%3.18%31/03/2020
    13/03/20202.62%2.55%2.22%2.40%2.67%2.93%3.14%29/02/2020
    11/02/20202.71%2.63%2.22%2.50%2.72%3.08%3.20%31/01/2020
    13/01/20202.69%2.60%2.17%2.41%2.81%3.08%3.28%31/12/2019
    11/12/20192.70%2.56%2.26%2.47%2.87%3.13%3.41%30/11/2019
    11/11/20192.74%2.60%2.30%2.59%2.87%3.17%3.48%31/10/2019
    11/10/20192.77%2.65%2.23%2.53%2.96%3.27%3.39%30/09/2019
    11/09/20192.81%2.68%2.27%2.55%3.08%3.34%3.41%31/08/2019
    13/08/20192.97%2.85%2.32%2.68%3.19%3.44%3.58%31/07/2019
    11/07/20193.00%2.90%2.32%2.71%3.22%3.47%3.54%30/06/2019
    11/06/20193.10%3.00%2.44%2.89%3.31%3.50%3.62%31/05/2019
    13/05/20193.22%3.07%2.58%2.94%3.43%3.71%3.81%30/04/2019
    11/04/20193.28%3.13%2.75%3.06%3.61%3.78%3.79%31/03/2019
    11/03/20193.41%3.29%2.89%3.18%3.65%3.86%3.87%28/02/2019
    11/02/20193.53%3.46%2.86%3.22%3.73%3.82%3.89%31/01/2019
    11/01/20193.51%3.49%2.78%3.14%3.63%3.80%3.83%31/12/2018
    11/12/20183.43%3.36%2.76%3.10%3.66%3.76%3.81%30/11/2018
    12/11/20183.46%3.39%2.70%3.07%3.60%3.84%3.86%31/10/2018
    11/10/20183.35%3.26%2.58%2.99%3.54%3.77%3.83%30/09/2018
    14/09/20183.33%3.23%2.69%3.08%3.48%3.71%3.79%31/08/2018
    13/08/20183.29%3.21%2.66%2.95%3.48%3.63%3.72%31/07/2018
    11/07/20183.31%3.23%2.66%2.94%3.51%3.67%3.75%30/06/2018
    11/06/20183.29%3.19%2.63%2.98%3.53%3.72%3.73%31/05/2018
    11/05/20183.28%3.17%2.64%3.01%3.49%3.66%3.70%30/04/2018
    18/04/20183.31%3.19%2.74%3.03%3.54%3.73%3.77%31/03/2018
    12/03/20183.37%3.24%2.95%3.20%3.54%3.80%3.87%28/02/2018
    12/02/20183.38%3.24%2.73%3.10%3.83%3.80%3.89%31/01/2018
    11/01/20183.37%3.23%2.75%3.14%3.75%3.83%3.91%31/12/2017
    11/12/20173.57%3.45%3.02%3.29%3.92%3.97%3.97%30/11/2017
    13/11/20173.60%3.45%3.13%3.39%3.87%4.12%4.04%31/10/2017
    17/10/20173.56%3.40%3.22%3.41%3.89%4.03%4.00%30/09/2017
    11/09/20173.61%3.44%3.08%3.49%3.91%4.08%4.12%31/08/2017
    11/08/20173.71%3.59%3.03%3.51%4.03%4.16%4.16%31/07/2017
    11/07/20173.69%3.56%2.99%3.51%3.97%4.12%4.16%30/06/2017
    12/06/20173.74%3.59%3.24%3.51%4.06%4.22%4.21%31/05/2017
    11/05/20173.87%3.73%3.34%3.57%4.14%4.35%4.31%30/04/2017
    20/04/20173.88%3.72%3.32%3.75%4.25%4.34%4.31%31/03/2017
    15/03/20173.93%3.82%3.49%3.73%4.19%4.23%4.34%28/02/2017
    13/02/20173.85%3.72%3.36%3.66%4.14%4.19%4.30%31/01/2017
    11/01/20173.84%3.71%3.36%3.62%4.11%4.13%4.27%31/12/2016
    12/12/20163.73%3.58%3.27%3.66%3.96%3.99%4.17%30/11/2016
    11/11/20163.67%3.55%3.11%3.35%3.93%4.02%4.19%31/10/2016
    14/10/20163.53%3.36%3.20%3.41%3.81%3.90%4.03%30/09/2016
    12/09/20163.30%3.11%2.92%3.26%3.63%3.76%3.84%31/08/2016
    11/08/20163.19%3.00%2.78%3.17%3.54%3.66%3.76%31/07/2016
    11/07/20163.04%2.86%2.83%3.00%3.32%3.45%3.58%30/06/2016
    13/06/20162.93%2.73%2.73%3.00%3.26%3.48%3.50%31/05/2016
    11/05/20162.97%2.77%2.79%2.97%3.38%3.41%3.51%30/04/2016
    11/04/20163.01%2.82%2.75%3.14%3.35%3.42%3.42%31/03/2016
    11/03/20163.06%2.89%2.80%3.06%3.28%3.42%3.39%29/02/2016
    11/02/20162.85%2.69%2.49%2.73%3.18%3.15%3.22%31/01/2016
    11/01/20162.66%2.48%2.33%2.66%2.93%3.05%3.09%31/12/2015
    11/12/20152.58%2.38%2.22%2.55%2.90%3.01%3.05%30/11/2015
    11/11/20152.58%2.42%2.16%2.54%2.85%3.00%3.06%31/10/2015
    12/10/20152.47%2.31%2.01%2.38%2.75%2.90%2.95%30/09/2015
    11/09/20152.37%2.21%1.87%2.29%2.65%2.92%2.90%31/08/2015
    11/08/20152.21%2.05%1.77%2.16%2.55%2.73%2.77%31/07/2015
    12/07/20152.05%1.90%1.69%2.01%2.29%2.55%2.59%30/06/2015
    11/06/20151.96%1.75%1.77%2.00%2.26%2.45%2.57%31/05/2015
    11/05/20152.06%1.85%1.81%2.14%2.37%2.59%2.67%30/04/2015
    13/04/20152.12%1.86%1.85%2.20%2.47%2.71%2.79%31/03/2015
    11/03/20152.29%2.12%1.85%2.24%2.54%2.79%2.84%28/02/2015
    11/02/20152.44%2.37%1.85%2.24%2.58%2.79%2.87%31/01/2015
    12/01/20152.30%2.17%1.81%2.14%2.54%2.77%2.89%31/12/2014
    11/12/20142.21%2.01%1.61%2.14%2.63%2.79%2.94%30/11/2014
    11/11/20142.24%2.07%1.72%2.18%2.60%2.89%3.02%31/10/2014
    12/10/20142.33%2.17%1.75%2.26%2.73%2.90%3.05%30/09/2014
    11/09/20142.25%2.03%1.67%2.25%2.73%2.94%3.05%31/08/2014
    11/08/20142.22%1.99%1.61%2.24%2.72%2.96%3.08%31/07/2014
    11/07/20142.18%1.92%1.57%2.25%2.71%2.99%3.21%30/06/2014
    11/06/20142.23%1.96%1.65%2.28%2.81%3.08%3.25%31/05/2014
    12/05/20142.26%1.95%1.76%2.38%2.89%3.14%3.32%30/04/2014
    11/04/20142.34%2.04%1.72%2.48%2.97%3.22%3.40%31/03/2014
    11/03/20142.43%2.16%1.79%2.53%3.07%3.31%3.43%28/02/2014
    11/02/20142.42%2.14%1.89%2.47%3.07%3.29%3.46%31/01/2014
    12/01/20142.49%2.18%2.07%2.57%3.17%3.36%3.54%31/12/2013
    11/12/20132.54%2.27%2.03%2.73%3.30%3.46%3.60%30/11/2013
    11/11/20132.43%2.25%2.03%2.67%3.23%3.40%3.66%31/10/2013
    11/10/20132.27%2.21%1.92%2.51%3.03%3.27%3.55%30/09/2013
    11/09/20132.15%2.11%1.74%2.28%2.87%3.15%3.23%31/08/2013
    12/08/20132.17%2.14%1.72%2.30%2.72%3.22%3.28%31/07/2013
    11/07/20132.10%2.07%1.75%2.24%2.75%3.17%3.16%30/06/2013
    11/06/20132.07%2.02%1.79%2.17%2.69%3.23%3.36%31/05/2013
    12/05/20132.20%2.16%1.91%2.26%2.77%3.26%3.45%30/04/2013
    11/04/20132.27%2.22%2.04%2.30%2.80%3.29%3.43%31/03/2013
    11/03/20132.31%2.27%2.01%2.29%2.70%3.26%3.42%28/02/2013
    11/02/20132.34%2.30%2.04%2.31%2.81%3.29%3.48%31/01/2013
    11/01/20132.42%2.37%2.13%2.40%2.96%3.48%3.72%31/12/2012
    11/12/20122.43%2.39%2.13%2.51%3.09%3.44%3.65%30/11/2012
    12/11/20122.44%2.40%2.31%2.41%3.08%3.42%3.61%31/10/2012
    14/10/20122.45%2.42%2.23%2.51%3.05%3.42%3.66%30/09/2012
    11/09/20122.42%2.38%2.26%2.35%3.03%3.46%3.52%31/08/2012
    12/08/20122.56%2.54%2.36%2.40%3.08%3.48%3.62%31/07/2012
    11/07/20122.65%2.64%2.40%2.44%3.17%3.53%3.57%30/06/2012
    11/06/20122.67%2.64%2.46%2.53%3.20%3.57%3.63%31/05/2012
    11/05/20122.77%2.75%2.59%2.66%3.34%3.62%3.71%30/04/2012
    11/04/20122.91%2.90%2.70%2.72%3.37%3.65%3.77%31/03/2012
    12/03/20122.99%2.98%2.81%2.79%3.41%3.73%3.82%29/02/2012
    13/02/20123.08%3.09%2.84%2.84%3.57%3.70%3.89%31/01/2012
    11/01/20123.19%3.17%3.05%3.00%3.53%3.87%3.92%31/12/2011
    12/12/20113.31%3.30%3.23%3.11%3.60%3.87%3.88%30/11/2011
    11/11/20113.31%3.27%3.35%3.07%3.64%3.85%4.02%31/10/2011
    11/10/20113.25%3.20%3.31%3.12%3.66%3.88%3.96%30/09/2011
    12/09/20113.19%3.12%3.22%3.16%3.71%3.87%4.13%31/08/2011
    11/08/20113.08%3.01%3.09%3.12%3.65%3.80%4.13%31/07/2011

    רואים את הטווחים? בדקו מה הבנקים יציעו לכם ספציפית

    ריביות משכנתא ממוצעות לא צמודות למדד

    ממוצעי הריבית שמפרסם בנק ישראל למסלולים שאינם צמודי מדד, לפי תקופת ההלוואה.

    בסמארטפון אפשר לגלול את הטבלה ימינה ושמאלה לצפייה בכל העמודות.

    ריביות משכנתא ממוצעות לא צמודות למדד, לפי תקופה
    תוקף הריבית החל מ- ריבית ממוצעת עד שנה מעל 1 ועד 5 שנים מעל 5 ועד 10 שנים מעל 10 ועד 15 שנים מעל 15 ועד 20 שנים מעל 20 ועד 25 שנים מעל 25 שנה חודש פירעון
    19/10/20264.55%4.35%4.51%4.59%4.61%4.74%4.79%4.89%30/09/2026
    15/09/20264.58%4.54%4.48%4.47%4.55%4.73%4.74%4.85%31/08/2026
    13/08/20264.56%4.57%4.42%4.53%4.53%4.69%4.72%4.83%31/07/2026
    13/07/20264.74%4.77%4.64%4.67%4.68%4.82%4.81%4.92%30/06/2026
    11/06/20264.87%5.00%4.80%4.71%4.73%4.85%4.84%4.97%31/05/2026
    14/05/20264.89%5.05%4.82%4.59%4.70%4.82%4.88%4.97%30/04/2026
    21/04/20264.73%4.99%4.57%4.53%4.61%4.74%4.82%4.89%31/03/2026
    16/03/20264.79%5.04%4.65%4.66%4.66%4.83%4.88%4.93%28/02/2026
    11/02/20264.90%5.10%4.83%4.79%4.77%4.86%4.95%4.95%31/01/2026
    14/01/20264.92%5.30%4.82%4.73%4.78%4.89%4.88%4.89%31/12/2025
    ריביות משכנתא ממוצעות לא צמודות למדד, לפי תקופה
    תוקף הריבית החל מ- ריבית ממוצעת עד שנה מעל 1 ועד 5 שנים מעל 5 ועד 10 שנים מעל 10 ועד 15 שנים מעל 15 ועד 20 שנים מעל 20 ועד 25 שנים מעל 25 שנה חודש פירעון
    19/10/20264.55%4.35%4.51%4.59%4.61%4.74%4.79%4.89%30/09/2026
    15/09/20264.58%4.54%4.48%4.47%4.55%4.73%4.74%4.85%31/08/2026
    13/08/20264.56%4.57%4.42%4.53%4.53%4.69%4.72%4.83%31/07/2026
    13/07/20264.74%4.77%4.64%4.67%4.68%4.82%4.81%4.92%30/06/2026
    11/06/20264.87%5.00%4.80%4.71%4.73%4.85%4.84%4.97%31/05/2026
    14/05/20264.89%5.05%4.82%4.59%4.70%4.82%4.88%4.97%30/04/2026
    21/04/20264.73%4.99%4.57%4.53%4.61%4.74%4.82%4.89%31/03/2026
    16/03/20264.79%5.04%4.65%4.66%4.66%4.83%4.88%4.93%28/02/2026
    11/02/20264.90%5.10%4.83%4.79%4.77%4.86%4.95%4.95%31/01/2026
    14/01/20264.92%5.30%4.82%4.73%4.78%4.89%4.88%4.89%31/12/2025
    11/12/20254.94%5.50%4.80%4.81%4.81%4.94%4.93%4.91%30/11/2025
    12/11/20255.00%5.58%4.87%4.96%4.84%4.95%4.95%4.93%31/10/2025
    24/10/20255.03%5.59%4.91%5.09%4.87%4.97%4.93%4.96%30/09/2025
    11/09/20255.05%5.51%4.94%5.06%4.88%4.99%4.96%4.98%31/08/2025
    14/08/20255.08%5.51%5.00%4.97%4.85%5.01%5.02%5.03%31/07/2025
    11/08/20255.05%5.51%4.94%5.06%4.88%4.99%4.96%4.98%31/08/2025
    15/07/20255.11%5.56%5.04%4.92%4.83%4.96%4.97%5.05%30/06/2025
    16/06/20255.08%5.61%4.96%5.00%4.87%5.01%4.94%5.05%31/05/2025
    15/05/20255.07%5.62%4.98%4.96%4.85%4.98%4.98%5.05%30/04/2025
    11/04/20255.09%5.61%4.98%5.04%4.87%4.97%4.96%5.03%31/03/2025
    12/03/20255.13%5.61%5.04%5.14%4.96%5.01%5.04%5.02%28/02/2025
    13/02/20255.15%5.68%5.06%5.25%4.93%4.96%5.01%4.99%31/01/2025
    15/01/20255.06%5.49%5.00%5.22%4.86%4.95%4.93%4.90%31/12/2024
    11/12/20245.22%5.62%5.21%5.53%4.97%5.04%5.06%4.97%30/11/2024
    14/11/20245.16%5.60%5.15%5.39%4.91%4.91%4.97%4.93%31/10/2024
    15/10/20245.08%5.58%5.02%5.30%4.88%4.83%4.96%4.92%30/09/2024
    11/09/20245.11%5.54%5.05%5.22%4.91%4.93%4.96%4.95%31/08/2024
    15/08/20245.25%5.68%5.20%5.30%4.96%5.08%5.05%5.02%31/07/2024
    12/07/20245.29%5.70%5.23%5.33%5.02%5.09%5.08%5.11%30/06/2024
    17/06/20245.29%5.72%5.19%5.22%5.08%5.10%5.08%5.16%31/05/2024
    13/05/20245.24%5.78%5.06%5.06%5.03%5.08%5.10%5.20%30/04/2024
    12/04/20245.24%5.76%5.03%5.20%4.99%5.22%5.10%5.24%31/03/2024
    13/03/20245.26%5.90%4.99%5.19%5.02%5.21%5.12%5.23%29/02/2024
    13/02/20245.24%5.98%4.91%5.11%5.00%5.22%5.14%5.20%31/01/2024
    12/01/20245.43%6.17%5.09%5.42%5.17%5.34%5.24%5.33%31/12/2023
    13/12/20235.59%6.28%5.37%5.31%5.35%5.39%5.52%5.33%30/11/2023
    13/11/20235.51%6.35%5.35%5.12%5.10%5.30%5.18%5.10%31/10/2023
    17/10/20235.43%6.36%5.25%5.08%5.02%5.15%5.07%5.03%30/09/2023
    13/09/20235.37%6.33%5.17%4.95%4.94%5.06%4.96%4.96%31/08/2023
    11/08/20235.42%6.35%5.14%5.03%4.95%5.10%4.98%4.95%31/07/2023
    12/07/20235.53%6.40%5.29%5.06%5.01%5.10%5.02%4.99%30/06/2023
    12/06/20235.56%6.27%5.26%5.30%5.11%5.09%5.08%4.99%31/05/2023
    11/05/20235.56%6.11%5.33%5.21%5.06%5.05%4.99%4.96%30/04/2023
    23/04/20235.48%5.88%5.52%5.06%4.92%4.90%4.91%4.93%31/03/2023
    14/03/20235.31%5.55%5.63%5.02%4.81%4.92%4.88%4.96%28/02/2023
    26/02/20235.21%5.38%5.65%4.94%4.83%4.87%4.92%4.98%31/01/2023
    12/01/20234.97%4.97%5.65%4.90%4.73%4.86%4.86%4.98%31/12/2022
    13/12/20224.79%4.68%5.51%4.84%4.76%4.81%4.90%5.04%30/11/2022
    11/11/20224.52%4.35%5.30%4.62%4.54%4.65%4.75%4.90%31/10/2022
    19/10/20224.07%3.73%4.90%4.32%4.27%4.39%4.61%4.75%30/09/2022
    13/09/20223.67%3.21%4.65%4.21%4.24%4.39%4.54%4.69%31/08/2022
    12/08/20223.49%2.88%4.67%4.24%4.24%4.44%4.60%4.74%31/07/2022
    14/07/20223.15%2.41%4.23%3.87%3.96%4.17%4.36%4.54%30/06/2022
    14/06/20222.87%2.11%4.08%3.50%3.63%3.86%4.08%4.28%31/05/2022
    16/05/20222.61%1.80%3.75%3.15%3.31%3.57%3.81%3.97%30/04/2022
    13/04/20222.39%1.61%3.43%2.81%2.99%3.22%3.49%3.71%31/03/2022
    14/03/20222.30%1.59%3.23%2.58%2.79%3.05%3.31%3.54%28/02/2022
    14/02/20222.28%1.64%3.07%2.54%2.73%3.03%3.28%3.53%31/01/2022
    11/01/20222.29%1.60%3.10%2.53%2.76%3.08%3.33%3.56%31/12/2021
    13/12/20212.32%1.65%3.17%2.53%2.81%3.11%3.36%3.63%30/11/2021
    11/11/20212.31%1.68%3.12%2.50%2.78%3.08%3.34%3.56%31/10/2021
    12/10/20212.26%1.63%3.09%2.44%2.73%3.06%3.31%3.53%30/09/2021
    20/09/20212.22%1.59%2.99%2.45%2.74%3.04%3.30%3.52%31/08/2021
    11/08/20212.22%1.58%3.12%2.44%2.75%3.08%3.31%3.54%31/07/2021
    12/07/20212.23%1.59%3.19%2.45%2.75%3.07%3.32%3.57%30/06/2021
    11/06/20212.25%1.61%3.05%2.45%2.76%3.06%3.32%3.56%31/05/2021
    12/05/20212.30%1.64%3.24%2.48%2.74%3.06%3.31%3.59%30/04/2021
    14/04/20212.31%1.65%3.19%2.54%2.70%3.03%3.27%3.55%31/03/2021
    11/03/20212.30%1.60%3.21%2.48%2.71%3.04%3.25%3.50%28/02/2021
    11/02/20212.41%1.66%3.31%2.59%2.82%3.11%3.28%3.54%31/01/2021
    11/01/20212.36%1.52%3.26%2.54%2.80%3.08%3.28%3.51%31/12/2020
    11/12/20202.39%1.55%3.28%2.58%2.80%3.12%3.32%3.55%30/11/2020
    11/11/20202.38%1.56%3.31%2.60%2.74%3.05%3.27%3.51%31/10/2020
    16/10/20202.41%1.58%3.31%2.64%2.76%3.08%3.28%3.51%30/09/2020
    11/09/20202.39%1.59%3.25%2.69%2.79%3.11%3.30%3.53%31/08/2020
    11/08/20202.45%1.62%3.26%2.69%2.92%3.18%3.34%3.58%31/07/2020
    13/07/20202.55%1.71%3.42%2.88%3.05%3.34%3.53%3.78%30/06/2020
    11/06/20202.55%1.67%3.51%2.96%3.19%3.43%3.65%3.96%31/05/2020
    11/05/20202.59%1.64%3.62%2.89%3.13%3.35%3.64%3.87%30/04/2020
    21/04/20202.43%1.62%3.29%2.62%2.83%3.08%3.33%3.55%31/03/2020
    13/03/20202.47%1.68%3.34%2.72%2.88%3.17%3.40%3.65%29/02/2020
    11/02/20202.50%1.68%3.40%2.68%2.94%3.26%3.52%3.72%31/01/2020
    13/01/20202.51%1.69%3.37%2.66%2.95%3.26%3.53%3.74%31/12/2019
    11/12/20192.57%1.73%3.36%2.74%3.03%3.36%3.64%3.82%30/11/2019
    11/11/20192.56%1.73%3.39%2.79%3.07%3.42%3.72%3.90%31/10/2019
    11/10/20192.58%1.70%3.40%2.83%3.17%3.49%3.78%3.95%30/09/2019
    11/09/20192.62%1.71%3.60%2.94%3.27%3.64%3.97%4.13%31/08/2019
    13/08/20192.66%1.74%3.75%3.07%3.36%3.77%4.09%4.31%31/07/2019
    11/07/20192.77%1.81%3.81%3.21%3.51%3.85%4.16%4.39%30/06/2019
    11/06/20192.81%1.82%3.98%3.20%3.59%3.97%4.29%4.42%31/05/2019
    13/05/20192.84%1.88%3.96%3.22%3.65%4.04%4.34%4.59%30/04/2019
    11/04/20192.90%1.90%4.06%3.29%3.71%4.14%4.43%4.62%31/03/2019
    11/03/20192.97%1.94%4.09%3.41%3.85%4.22%4.55%4.76%28/02/2019
    11/02/20193.02%1.95%4.27%3.46%3.84%4.27%4.57%4.76%31/01/2019
    11/01/20192.98%1.89%4.15%3.29%3.80%4.23%4.47%4.71%31/12/2018
    11/12/20182.90%1.77%4.14%3.27%3.81%4.21%4.46%4.73%30/11/2018
    12/11/20182.91%1.81%4.13%3.32%3.78%4.17%4.43%4.70%31/10/2018
    11/10/20182.85%1.78%4.09%3.22%3.70%4.16%4.36%4.65%30/09/2018
    14/09/20182.84%1.72%4.16%3.26%3.72%4.10%4.39%4.62%31/08/2018
    13/08/20182.78%1.65%4.03%3.11%3.57%4.06%4.27%4.61%31/07/2018
    11/07/20182.81%1.69%3.96%3.12%3.57%4.01%4.26%4.52%30/06/2018
    11/06/20182.81%1.69%3.94%3.10%3.52%3.97%4.26%4.45%31/05/2018
    11/05/20182.81%1.68%3.89%3.09%3.50%3.93%4.22%4.48%30/04/2018
    18/04/20182.87%1.73%3.88%3.13%3.52%4.01%4.34%4.56%31/03/2018
    12/03/20182.90%1.78%3.86%3.11%3.51%3.98%4.30%4.55%28/02/2018
    12/02/20182.93%1.81%3.79%3.11%3.51%4.06%4.39%4.61%31/01/2018
    11/01/20182.92%1.72%3.84%3.07%3.53%4.06%4.38%4.60%31/12/2017
    11/12/20173.01%1.85%3.86%3.30%3.72%4.19%4.51%4.72%30/11/2017
    13/11/20173.03%1.86%3.93%3.28%3.76%4.24%4.56%4.84%31/10/2017
    17/10/20173.04%1.87%3.88%3.26%3.75%4.31%4.69%4.85%30/09/2017
    11/09/20170.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%31/08/2017
    11/08/20173.09%1.84%4.04%3.38%3.87%4.44%4.74%5.09%31/07/2017
    11/07/20173.17%1.81%4.12%3.54%3.94%4.50%4.83%5.10%30/06/2017
    12/06/20173.23%1.83%4.18%3.61%4.00%4.53%4.90%5.06%31/05/2017
    11/05/20173.29%1.91%4.24%3.66%4.16%4.63%4.94%5.16%30/04/2017
    20/04/20173.32%1.83%4.29%3.79%4.26%4.67%5.00%5.19%31/03/2017
    15/03/20173.36%1.89%4.31%3.81%4.25%4.69%5.01%5.22%28/02/2017
    13/02/20173.33%1.81%4.27%3.75%4.25%4.71%5.01%5.14%31/01/2017
    11/01/20173.37%1.69%4.29%3.77%4.21%4.66%4.91%5.15%31/12/2016
    12/12/20163.28%1.70%4.05%3.65%4.06%4.48%4.78%4.95%30/11/2016
    11/11/20163.19%1.66%3.92%3.60%3.98%4.42%4.66%4.91%31/10/2016
    14/10/20163.13%1.58%3.83%3.54%3.91%4.31%4.59%4.76%30/09/2016
    12/09/20162.94%1.45%3.65%3.34%3.71%4.16%4.43%4.61%31/08/2016
    11/08/20162.89%1.43%3.51%3.25%3.69%4.11%4.35%4.50%31/07/2016
    11/07/20162.78%1.37%3.41%3.13%3.52%3.97%4.17%4.35%30/06/2016
    13/06/20162.75%1.39%3.30%3.06%3.52%3.90%4.11%4.25%31/05/2016
    11/05/20162.75%1.38%3.28%3.00%3.48%3.86%4.07%4.23%30/04/2016
    11/04/20162.68%1.37%3.17%2.99%3.39%3.78%3.97%4.10%31/03/2016
    11/03/20162.64%1.42%3.13%3.01%3.43%3.80%3.97%4.10%29/02/2016
    11/02/20162.60%1.34%3.18%2.94%3.39%3.81%4.04%4.16%31/01/2016
    11/01/20162.54%1.32%3.12%2.83%3.34%3.77%4.01%4.15%31/12/2015
    11/12/20152.48%1.27%3.02%2.76%3.26%3.70%3.97%4.12%30/11/2015
    11/11/20152.46%1.27%3.01%2.84%3.33%3.81%4.02%4.18%31/10/2015
    12/10/20152.50%1.25%3.11%2.83%3.32%3.82%4.01%4.18%30/09/2015
    11/09/20152.46%1.20%3.01%2.81%3.33%3.82%4.02%4.18%31/08/2015
    11/08/20152.43%1.15%2.95%2.74%3.20%3.66%3.90%4.08%31/07/2015
    12/07/20152.33%1.15%2.74%2.43%2.87%3.33%3.56%3.79%30/06/2015
    11/06/20152.22%1.14%2.56%2.30%2.68%3.08%3.36%3.55%31/05/2015
    11/05/20152.23%1.21%2.58%2.35%2.73%3.13%3.39%3.59%30/04/2015
    13/04/20152.26%1.21%2.71%2.39%2.83%3.24%3.49%3.70%31/03/2015
    11/03/20152.35%1.33%2.76%2.52%2.98%3.38%3.66%3.81%28/02/2015
    11/02/20152.45%1.49%3.02%2.55%3.01%3.43%3.82%3.98%31/01/2015
    12/01/20152.41%1.48%2.88%2.52%3.06%3.48%3.88%4.08%31/12/2014
    11/12/20142.36%1.47%2.84%2.72%3.15%3.59%3.98%4.15%30/11/2014
    11/11/20142.43%1.49%3.03%2.74%3.34%3.80%4.16%4.34%31/10/2014
    12/10/20142.45%1.49%3.14%2.92%3.52%3.96%4.34%4.50%30/09/2014
    11/09/20142.56%1.64%3.33%3.03%3.66%4.15%4.49%4.73%31/08/2014
    11/08/20142.73%1.92%3.40%3.07%3.75%4.18%4.61%4.79%31/07/2014
    11/07/20142.78%1.95%3.43%3.17%3.80%4.33%4.75%4.94%30/06/2014
    11/06/20142.83%1.96%3.51%3.31%3.92%4.46%4.84%5.04%31/05/2014
    12/05/20142.86%1.96%3.59%3.31%3.96%4.53%4.87%5.07%30/04/2014
    11/04/20142.85%1.94%3.66%3.35%4.06%4.65%4.90%5.14%31/03/2014
    11/03/20143.03%2.13%3.71%3.48%4.10%4.71%4.98%5.19%28/02/2014
    11/02/20143.05%2.18%3.71%3.43%4.11%4.71%5.01%5.19%31/01/2014
    12/01/20143.06%2.18%3.67%3.54%4.13%4.75%5.03%5.21%31/12/2013
    11/12/20133.08%2.18%3.96%3.60%4.25%4.84%5.09%5.36%30/11/2013
    11/11/20133.04%2.16%4.16%3.69%4.35%4.89%5.13%5.38%31/10/2013
    11/10/20133.17%2.34%4.22%3.62%4.32%4.85%5.04%5.29%30/09/2013
    11/09/20133.11%2.38%4.07%3.54%4.19%4.71%4.93%5.08%31/08/2013
    12/08/20133.11%2.38%4.07%3.59%4.14%4.68%4.91%4.99%31/07/2013
    11/07/20133.15%2.47%4.04%3.69%4.10%4.61%4.87%5.06%30/06/2013
    11/06/20133.22%2.63%4.10%3.77%4.20%4.70%4.97%5.01%31/05/2013
    12/05/20133.47%2.96%4.42%3.86%4.40%4.83%5.07%5.14%30/04/2013
    11/04/20133.50%2.93%4.41%3.84%4.35%4.84%5.07%5.29%31/03/2013

    הנתונים המופיעים בנוגע לריביות שאינן צמודות כוללים את הנתונים ממרץ 2013 ועד היום, וזאת מכיוון שלפני מועד זה שיטת החישוב הייתה שונה.

    רואים את הטווחים? בדקו מה הבנקים יציעו לכם ספציפית

    עוגני אג"ח ממשלתי

    העוגנים שעליהם הבנקים מתמחרים מסלולי ריבית משתנה. מקור: בנק ישראל, עקום אפס.

    עוגני אג"ח ממשלתי לפי תקופה לפדיון, עקום אפס, מקור בנק ישראל, 09/2026
    תקופה לפדיון לא צמוד (נומינלי) צמוד מדד (ריאלי) פעולה
    שנה 3.19% 1.59%
    שנתיים 3.45% 1.59%
    3 שנים 3.60% 1.65%
    4 שנים 3.66% 1.71%
    5 שנים 3.72% 1.78%
    7 שנים 3.85% 1.91%
    10 שנים 4.06% 2.10%
    15 שנים 4.29% 2.26%
    20 שנים - 2.38%
    עוגני אג"ח ממשלתי לפי תקופה לפדיון, עקום אפס, מקור בנק ישראל, 09/2026 מול החודש הקודם ומול לפני שנה
    תקופה לפדיון לא צמוד, 09/2026 לא צמוד, 08/2026 לא צמוד, 09/2025 צמוד, 09/2026 צמוד, 08/2026 צמוד, 09/2025
    שנה 3.19% 3.24% 4.04% 1.59% 2.00% 2.16%
    שנתיים 3.45% 3.39% 3.93% 1.59% 1.80% 2.01%
    3 שנים 3.60% 3.48% 3.95% 1.65% 1.75% 1.99%
    4 שנים 3.66% 3.53% 3.94% 1.71% 1.76% 1.98%
    5 שנים 3.72% 3.58% 3.97% 1.78% 1.80% 1.98%
    7 שנים 3.85% 3.71% 4.07% 1.91% 1.88% 2.00%
    10 שנים 4.06% 3.91% 4.19% 2.10% 2.03% 2.02%
    15 שנים 4.29% 4.12% 4.44% 2.26% 2.20% 2.06%
    20 שנים - - - 2.38% 2.29% 2.12%

    ממוצע חודשי קלנדרי, ספטמבר 2026. מקור: בנק ישראל.
    הממוצע של אוקטובר יתפרסם בתחילת נובמבר.

    הצג טבלת היסטוריה (225 חודשים)

    עוגני אג"ח ממשלתי, לא צמוד (נומינלי), היסטוריה חודשית. מקור: בנק ישראל.
    חודש שנה שנתיים 3 שנים 4 שנים 5 שנים 7 שנים 10 שנים 15 שנים
    09/2026 3.19% 3.45% 3.60% 3.66% 3.72% 3.85% 4.06% 4.29%
    08/2026 3.24% 3.39% 3.48% 3.53% 3.58% 3.71% 3.91% 4.12%
    07/2026 3.24% 3.38% 3.46% 3.49% 3.53% 3.66% 3.88% 4.12%
    06/2026 3.27% 3.31% 3.34% 3.38% 3.43% 3.54% 3.77% 4.03%
    05/2026 3.62% 3.64% 3.67% 3.68% 3.71% 3.79% 3.95% 4.16%
    04/2026 3.70% 3.72% 3.76% 3.76% 3.78% 3.88% 4.03% 4.23%
    03/2026 3.70% 3.73% 3.75% 3.74% 3.76% 3.84% 4.00% 4.20%
    02/2026 3.46% 3.42% 3.44% 3.46% 3.50% 3.63% 3.83% 4.10%
    01/2026 3.60% 3.55% 3.56% 3.57% 3.61% 3.72% 3.88% 4.12%
    12/2025 3.82% 3.80% 3.79% 3.79% 3.81% 3.89% 4.04% 4.26%
    11/2025 3.87% 3.76% 3.74% 3.73% 3.75% 3.83% 3.97% 4.19%
    10/2025 3.90% 3.78% 3.75% 3.74% 3.77% 3.85% 3.97% 4.20%
    09/2025 4.04% 3.93% 3.95% 3.94% 3.97% 4.07% 4.19% 4.44%
    08/2025 4.10% 3.99% 4.00% 4.00% 4.03% 4.09% 4.22% 4.46%
    07/2025 4.10% 4.01% 4.01% 4.00% 4.03% 4.10% 4.22% 4.45%
    עוגני אג"ח ממשלתי, לא צמוד (נומינלי), היסטוריה חודשית. מקור: בנק ישראל.
    חודש שנה שנתיים 3 שנים 4 שנים 5 שנים 7 שנים 10 שנים 15 שנים
    09/20263.19%3.45%3.60%3.66%3.72%3.85%4.06%4.29%
    08/20263.24%3.39%3.48%3.53%3.58%3.71%3.91%4.12%
    07/20263.24%3.38%3.46%3.49%3.53%3.66%3.88%4.12%
    06/20263.27%3.31%3.34%3.38%3.43%3.54%3.77%4.03%
    05/20263.62%3.64%3.67%3.68%3.71%3.79%3.95%4.16%
    04/20263.70%3.72%3.76%3.76%3.78%3.88%4.03%4.23%
    03/20263.70%3.73%3.75%3.74%3.76%3.84%4.00%4.20%
    02/20263.46%3.42%3.44%3.46%3.50%3.63%3.83%4.10%
    01/20263.60%3.55%3.56%3.57%3.61%3.72%3.88%4.12%
    12/20253.82%3.80%3.79%3.79%3.81%3.89%4.04%4.26%
    11/20253.87%3.76%3.74%3.73%3.75%3.83%3.97%4.19%
    10/20253.90%3.78%3.75%3.74%3.77%3.85%3.97%4.20%
    09/20254.04%3.93%3.95%3.94%3.97%4.07%4.19%4.44%
    08/20254.10%3.99%4.00%4.00%4.03%4.09%4.22%4.46%
    07/20254.10%4.01%4.01%4.00%4.03%4.10%4.22%4.45%
    06/20254.23%4.21%4.23%4.24%4.28%4.34%4.47%4.70%
    05/20254.19%4.17%4.21%4.22%4.25%4.33%4.46%4.70%
    04/20254.17%4.09%4.15%4.17%4.20%4.28%4.41%4.65%
    03/20254.19%4.15%4.19%4.19%4.22%4.29%4.42%4.63%
    02/20254.20%4.16%4.17%4.15%4.16%4.21%4.32%4.52%
    01/20254.21%4.25%4.26%4.26%4.28%4.37%4.50%4.70%
    12/20244.26%4.24%4.25%4.25%4.27%4.37%4.49%4.69%
    11/20244.35%4.43%4.50%4.51%4.54%4.62%4.73%4.93%
    10/20244.40%4.52%4.60%4.65%4.69%4.79%4.95%5.21%
    09/20244.21%4.32%4.43%4.51%4.59%4.73%4.94%5.24%
    08/20244.11%4.17%4.28%4.37%4.44%4.56%4.76%5.04%
    07/20244.20%4.29%4.39%4.48%4.56%4.70%4.88%5.18%
    06/20244.29%4.37%4.48%4.56%4.62%4.75%4.92%5.19%
    05/20244.28%4.33%4.40%4.46%4.51%4.63%4.79%5.05%
    04/20244.20%4.19%4.24%4.31%4.37%4.50%4.70%4.97%
    03/20243.99%3.91%3.95%3.99%4.03%4.16%4.38%4.64%
    02/20243.93%3.78%3.80%3.85%3.93%4.11%4.36%4.65%
    01/20243.96%3.78%3.76%3.79%3.88%4.08%4.33%4.63%
    12/20233.96%3.69%3.65%3.67%3.72%3.88%4.07%4.35%
    11/20234.03%3.91%3.92%3.94%4.02%4.18%4.40%4.70%
    10/20234.34%4.24%4.21%4.18%4.20%4.29%4.48%4.74%
    09/20234.67%4.38%4.15%3.99%3.97%3.97%4.02%4.19%
    08/20234.67%4.25%4.04%3.89%3.87%3.88%3.94%4.13%
    07/20234.68%4.20%3.98%3.82%3.79%3.75%3.79%3.95%
    06/20234.64%4.21%3.99%3.82%3.77%3.73%3.77%3.95%
    05/20234.54%4.18%3.95%3.82%3.80%3.75%3.82%4.01%
    04/20234.51%4.16%4.01%3.89%3.84%3.84%3.89%4.07%
    03/20234.57%4.26%4.08%3.96%3.92%3.85%3.86%4.02%
    02/20234.17%3.97%3.82%3.71%3.66%3.58%3.56%3.67%
    01/20233.84%3.65%3.53%3.44%3.39%3.35%3.35%3.45%
    12/20223.49%3.50%3.49%3.47%3.46%3.40%3.38%3.51%
    11/20223.22%3.28%3.30%3.28%3.28%3.25%3.27%3.39%
    10/20223.03%3.18%3.24%3.26%3.30%3.30%3.36%3.53%
    09/20222.66%2.91%2.97%3.01%3.04%3.08%3.12%3.33%
    08/20222.01%2.28%2.36%2.42%2.45%2.49%2.62%2.98%
    07/20221.69%2.11%2.27%2.34%2.38%2.47%2.63%2.98%
    06/20221.48%2.25%2.53%2.66%2.72%2.82%2.99%3.35%
    05/20220.97%1.67%1.94%2.06%2.16%2.36%2.59%3.00%
    04/20220.85%1.48%1.71%1.85%1.97%2.15%2.38%2.76%
    03/20220.56%1.10%1.34%1.52%1.63%1.86%2.13%2.62%
    02/20220.22%0.59%0.84%1.01%1.14%1.42%1.78%2.30%
    01/20220.04%0.23%0.45%0.64%0.77%1.05%1.44%1.99%
    12/20210.01%0.07%0.22%0.39%0.51%0.77%1.20%1.75%
    11/20210.04%0.21%0.39%0.56%0.69%0.95%1.34%1.86%
    10/20210.03%0.17%0.35%0.55%0.70%1.03%1.42%1.96%
    09/20210.02%0.09%0.20%0.36%0.51%0.84%1.30%1.84%
    08/20210.01%0.07%0.16%0.26%0.38%0.72%1.19%1.75%
    07/20210.02%0.09%0.19%0.32%0.45%0.80%1.25%1.79%
    06/20210.03%0.15%0.28%0.42%0.57%0.92%1.38%1.93%
    05/20210.04%0.17%0.29%0.43%0.59%0.92%1.34%1.88%
    04/20210.02%0.15%0.26%0.37%0.50%0.79%1.23%1.75%
    03/20210.02%0.15%0.28%0.40%0.52%0.84%1.28%1.79%
    02/20210.02%0.11%0.19%0.29%0.39%0.70%1.12%1.63%
    01/20210.01%0.07%0.16%0.24%0.32%0.54%0.94%1.45%
    12/20200.06%0.13%0.23%0.29%0.36%0.57%0.93%1.44%
    11/20200.05%0.13%0.24%0.32%0.38%0.58%0.92%1.43%
    10/20200.03%0.07%0.18%0.26%0.34%0.55%0.83%1.29%
    09/20200.06%0.10%0.20%0.27%0.35%0.51%0.75%1.21%
    08/20200.04%0.09%0.18%0.26%0.33%0.48%0.70%1.11%
    07/20200.03%0.08%0.16%0.23%0.30%0.45%0.67%1.10%
    06/20200.04%0.08%0.17%0.25%0.34%0.52%0.73%1.14%
    05/20200.06%0.13%0.25%0.33%0.43%0.61%0.81%1.21%
    04/20200.12%0.20%0.29%0.38%0.47%0.67%0.87%1.29%
    03/20200.22%0.32%0.39%0.48%0.59%0.81%0.96%1.33%
    02/20200.15%0.16%0.21%0.30%0.37%0.56%0.78%1.15%
    01/20200.15%0.18%0.26%0.36%0.45%0.65%0.89%1.27%
    12/20190.14%0.18%0.27%0.36%0.46%0.69%0.95%1.36%
    11/20190.12%0.16%0.27%0.37%0.49%0.73%1.03%1.48%
    10/20190.17%0.20%0.27%0.36%0.47%0.70%1.02%1.48%
    09/20190.18%0.22%0.31%0.40%0.52%0.78%1.15%1.66%
    08/20190.21%0.25%0.34%0.43%0.52%0.73%1.10%1.62%
    07/20190.30%0.41%0.54%0.68%0.83%1.14%1.57%2.09%
    06/20190.31%0.43%0.59%0.76%0.94%1.27%1.73%2.26%
    05/20190.39%0.56%0.76%0.96%1.15%1.48%1.92%2.41%
    04/20190.35%0.57%0.78%1.00%1.20%1.56%2.00%2.51%
    03/20190.30%0.49%0.74%0.99%1.21%1.61%2.08%2.64%
    02/20190.32%0.51%0.76%1.00%1.24%1.66%2.15%2.71%
    01/20190.44%0.66%0.89%1.13%1.39%1.82%2.30%2.84%
    12/20180.47%0.72%1.01%1.30%1.58%2.02%2.44%2.98%
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    10/20180.27%0.53%0.85%1.15%1.42%1.92%2.36%2.85%
    09/20180.23%0.49%0.82%1.12%1.37%1.82%2.26%2.77%
    08/20180.22%0.46%0.75%1.04%1.30%1.76%2.20%2.70%
    07/20180.22%0.49%0.78%1.06%1.33%1.79%2.22%2.73%
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    05/20180.19%0.39%0.61%0.86%1.11%1.57%2.11%2.63%
    04/20180.16%0.31%0.54%0.76%0.99%1.45%1.97%2.50%
    03/20180.14%0.26%0.47%0.69%0.92%1.40%1.95%2.48%
    02/20180.13%0.25%0.46%0.72%0.99%1.51%2.05%2.57%
    01/20180.13%0.20%0.33%0.53%0.77%1.28%1.84%2.41%
    12/20170.12%0.18%0.33%0.55%0.81%1.33%1.93%2.55%
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    10/20170.10%0.17%0.34%0.58%0.85%1.34%1.91%2.55%
    09/20170.09%0.15%0.28%0.50%0.76%1.28%1.86%2.52%
    08/20170.10%0.17%0.33%0.55%0.80%1.29%1.87%2.55%
    07/20170.12%0.23%0.44%0.69%0.97%1.49%2.09%2.77%
    06/20170.12%0.27%0.47%0.73%1.01%1.53%2.14%2.81%
    05/20170.14%0.32%0.54%0.81%1.10%1.64%2.24%2.90%
    04/20170.15%0.35%0.59%0.85%1.13%1.67%2.26%2.93%
    03/20170.16%0.36%0.62%0.89%1.15%1.70%2.33%3.00%
    02/20170.17%0.36%0.65%0.94%1.21%1.76%2.39%3.02%
    01/20170.18%0.37%0.65%0.94%1.20%1.76%2.35%2.93%
    12/20160.19%0.41%0.72%1.00%1.28%1.85%2.41%2.94%
    11/20160.17%0.38%0.66%0.93%1.19%1.72%2.24%2.76%
    10/20160.12%0.31%0.53%0.78%1.01%1.51%1.99%2.51%
    09/20160.11%0.26%0.46%0.70%0.94%1.42%1.91%2.43%
    08/20160.12%0.23%0.43%0.65%0.88%1.35%1.87%2.44%
    07/20160.12%0.19%0.38%0.59%0.81%1.29%1.81%2.38%
    06/20160.11%0.22%0.43%0.63%0.85%1.36%1.87%2.46%
    05/20160.13%0.23%0.48%0.68%0.89%1.41%1.92%2.51%
    04/20160.12%0.22%0.46%0.69%0.90%1.41%1.93%2.52%
    03/20160.11%0.23%0.46%0.72%0.98%1.49%2.01%2.60%
    02/20160.09%0.21%0.41%0.66%0.92%1.41%1.94%2.52%
    01/20160.16%0.33%0.56%0.81%1.05%1.55%2.10%2.72%
    12/20150.18%0.40%0.66%0.93%1.17%1.71%2.26%2.90%
    11/20150.14%0.34%0.57%0.85%1.12%1.66%2.24%2.90%
    10/20150.10%0.22%0.40%0.70%1.01%1.57%2.18%2.83%
    09/20150.09%0.24%0.51%0.84%1.16%1.74%2.37%3.02%
    08/20150.10%0.26%0.52%0.85%1.15%1.73%2.32%2.93%
    07/20150.12%0.33%0.56%0.89%1.23%1.88%2.52%3.12%
    06/20150.11%0.31%0.59%0.92%1.26%1.87%2.48%3.07%
    05/20150.07%0.21%0.39%0.66%0.94%1.47%2.03%2.61%
    04/20150.07%0.16%0.33%0.55%0.77%1.18%1.67%2.14%
    03/20150.10%0.22%0.41%0.64%0.87%1.32%1.84%2.32%
    02/20150.16%0.27%0.49%0.73%0.97%1.45%2.01%2.57%
    01/20150.22%0.36%0.59%0.81%1.08%1.62%2.22%2.91%
    12/20140.27%0.46%0.73%1.01%1.35%1.95%2.62%3.32%
    11/20140.21%0.32%0.56%0.83%1.13%1.71%2.39%3.04%
    10/20140.19%0.30%0.56%0.83%1.13%1.73%2.40%3.04%
    09/20140.26%0.39%0.68%1.03%1.36%1.98%2.67%3.31%
    08/20140.45%0.58%0.90%1.25%1.57%2.16%2.83%3.46%
    07/20140.65%0.79%1.13%1.46%1.76%2.35%3.01%3.68%
    06/20140.63%0.76%1.12%1.45%1.76%2.39%3.07%3.73%
    05/20140.64%0.77%1.14%1.50%1.85%2.55%3.28%3.98%
    04/20140.69%0.88%1.32%1.74%2.11%2.86%3.58%4.31%
    03/20140.67%0.85%1.29%1.70%2.07%2.83%3.58%4.32%
    02/20140.91%1.06%1.48%1.89%2.26%3.06%3.82%4.55%
    01/20140.93%1.14%1.55%1.98%2.37%3.16%3.93%4.67%
    12/20130.89%1.10%1.49%1.90%2.27%3.08%3.93%4.66%
    11/20130.88%1.12%1.49%1.94%2.33%3.14%3.92%4.68%
    10/20130.99%1.22%1.63%2.06%2.45%3.25%3.97%4.76%
    09/20131.21%1.48%1.91%2.37%2.76%3.52%4.22%4.92%
    08/20131.20%1.39%1.77%2.23%2.64%3.41%4.14%4.88%
    07/20131.20%1.40%1.72%2.11%2.51%3.27%4.01%4.76%
    06/20131.28%1.45%1.77%2.19%2.57%3.32%4.04%4.77%
    05/20131.47%1.54%1.75%2.05%2.37%3.03%3.77%4.58%
    04/20131.68%1.75%2.02%2.36%2.64%3.24%3.90%4.68%
    03/20131.67%1.81%2.15%2.49%2.80%3.46%4.15%4.87%
    02/20131.71%1.86%2.19%2.51%2.83%3.50%4.21%4.87%
    01/20131.73%1.87%2.15%2.47%2.79%3.45%4.16%4.81%
    12/20121.82%1.90%2.16%2.48%2.79%3.40%4.10%4.77%
    11/20121.90%1.96%2.26%2.61%2.93%3.56%4.29%4.97%
    10/20122.17%2.25%2.46%2.78%3.13%3.75%4.46%5.11%
    09/20122.16%2.28%2.55%2.91%3.27%3.91%4.61%5.26%
    08/20121.99%2.13%2.42%2.79%3.13%3.78%4.45%5.09%
    07/20122.04%2.19%2.43%2.75%3.07%3.70%4.42%5.10%
    06/20122.24%2.37%2.63%2.98%3.32%3.96%4.66%5.28%
    05/20122.47%2.65%2.90%3.24%3.56%4.14%4.77%5.31%
    04/20122.62%2.81%3.06%3.40%3.73%4.29%4.89%5.40%
    03/20122.58%2.85%3.15%3.51%3.83%4.38%4.93%5.37%
    02/20122.45%2.71%3.01%3.34%3.63%4.18%4.79%5.30%
    01/20122.46%2.69%2.98%3.26%3.54%4.07%4.70%5.29%
    12/20112.63%2.79%3.02%3.33%3.67%4.22%4.81%5.37%
    11/20112.74%2.87%3.14%3.43%3.74%4.25%4.81%5.30%
    10/20112.83%3.00%3.25%3.52%3.80%4.29%4.78%5.25%
    09/20112.97%3.13%3.38%3.64%3.90%4.40%4.86%5.35%
    08/20113.21%3.35%3.63%3.87%4.13%4.57%4.98%5.41%
    07/20113.53%3.83%4.10%4.33%4.55%4.92%5.31%5.67%
    06/20113.55%3.94%4.26%4.47%4.68%5.04%5.37%5.74%
    05/20113.52%4.02%4.34%4.55%4.76%5.09%5.39%5.72%
    04/20113.50%4.04%4.37%4.62%4.85%5.20%5.47%5.79%
    03/20113.21%3.71%4.10%4.41%4.69%5.10%5.47%5.84%
    02/20112.86%3.44%3.82%4.14%4.43%4.89%5.31%5.72%
    01/20112.56%3.10%3.45%3.78%4.06%4.59%5.05%5.49%
    12/20102.51%2.99%3.34%3.67%3.93%4.47%4.95%5.42%
    11/20102.43%2.88%3.20%3.49%3.74%4.25%4.70%5.19%
    10/20102.42%2.80%3.12%3.41%3.64%4.11%4.54%5.04%
    09/20102.30%2.68%3.07%3.40%3.67%4.17%4.61%5.09%
    08/20102.26%2.60%2.93%3.27%3.53%4.05%4.60%5.22%
    07/20102.13%2.57%2.97%3.36%3.67%4.26%4.84%5.48%
    06/20102.17%2.68%3.08%3.47%3.78%4.36%4.94%5.57%
    05/20102.20%2.83%3.25%3.62%3.93%4.53%5.11%5.71%
    04/20102.22%2.91%3.45%3.82%4.11%4.66%5.18%5.78%
    03/20102.08%2.79%3.28%3.66%3.96%4.54%5.11%5.72%
    02/20101.94%2.57%3.11%3.58%3.95%4.54%5.19%5.83%
    01/20102.01%2.80%3.38%3.81%4.16%4.70%5.31%5.87%
    12/20091.89%2.77%3.38%3.82%4.17%4.72%5.32%5.92%
    11/20091.60%2.37%2.90%3.32%3.75%4.46%5.20%5.92%
    10/20091.54%2.25%2.86%3.37%3.86%4.58%5.36%6.06%
    09/20091.79%2.64%3.22%3.65%4.03%4.72%5.45%6.15%
    08/20091.71%2.84%3.47%3.95%4.37%4.99%5.63%6.26%
    07/20091.33%2.25%3.00%3.62%4.18%4.94%5.68%6.32%
    06/20091.39%2.31%3.24%3.99%4.58%5.32%5.85%6.35%
    05/20091.13%1.92%2.91%3.67%4.27%5.02%5.59%6.09%
    04/20090.91%1.59%2.31%3.02%3.66%4.49%5.04%5.63%
    03/20091.08%1.72%2.53%3.18%3.74%4.49%4.96%5.51%
    02/20091.11%1.79%2.61%3.19%3.70%4.41%5.00%5.58%
    01/20091.60%2.13%2.79%3.36%3.85%4.72%5.34%5.90%
    12/20082.14%2.73%3.24%3.79%4.20%4.92%5.51%5.96%
    11/20083.10%3.90%4.36%4.90%5.28%5.84%6.63%7.05%
    10/20083.58%4.33%4.62%5.01%5.29%5.74%6.31%6.70%
    09/20084.39%4.79%4.93%5.13%5.32%5.66%6.09%6.39%
    08/20084.48%4.73%4.86%5.08%5.31%5.66%6.06%6.33%
    07/20084.43%4.66%4.85%5.14%5.45%5.90%6.30%6.55%
    06/20084.39%4.72%4.95%5.26%5.52%5.90%6.22%6.44%
    05/20084.19%4.63%4.90%5.21%5.45%5.82%6.15%6.41%
    04/20083.81%4.38%4.63%4.93%5.19%5.64%6.06%6.36%
    03/20083.82%4.12%4.38%4.74%5.06%5.52%5.94%6.24%
    02/20084.43%4.63%4.80%5.07%5.30%5.62%5.93%6.20%
    01/20084.81%5.11%5.28%5.52%5.69%5.92%6.15%6.39%
    עוגני אג"ח ממשלתי, צמוד מדד (ריאלי), היסטוריה חודשית. מקור: בנק ישראל.
    חודש שנה שנתיים 3 שנים 4 שנים 5 שנים 7 שנים 10 שנים 15 שנים 20 שנים
    09/20261.59%1.59%1.65%1.71%1.78%1.91%2.10%2.26%2.38%
    08/20262.00%1.80%1.75%1.76%1.80%1.88%2.03%2.20%2.29%
    07/20261.69%1.63%1.63%1.66%1.70%1.81%1.99%2.16%2.25%
    06/20261.73%1.67%1.64%1.64%1.66%1.72%1.89%2.07%2.15%
    05/20261.83%1.82%1.81%1.80%1.81%1.87%2.05%2.23%2.29%
    04/20262.11%2.10%2.08%2.05%2.04%2.08%2.20%2.27%2.29%
    03/20262.01%1.95%1.91%1.89%1.89%1.93%2.02%2.14%2.25%
    02/20261.91%1.75%1.71%1.71%1.73%1.78%1.84%1.96%2.08%
    01/20262.17%1.83%1.77%1.76%1.77%1.78%1.81%1.91%2.00%
    12/20252.35%1.98%1.88%1.85%1.85%1.86%1.91%1.98%2.07%
    11/20252.25%1.92%1.83%1.81%1.79%1.77%1.76%1.81%1.91%
    10/20252.21%1.92%1.80%1.77%1.76%1.76%1.77%1.84%1.95%
    09/20252.16%2.01%1.99%1.98%1.98%2.00%2.02%2.06%2.12%
    08/20252.51%2.20%2.09%2.05%2.03%2.01%2.01%2.08%2.13%
    07/20252.44%2.25%2.13%2.07%2.04%2.00%1.97%2.00%2.06%
    06/20252.30%2.29%2.26%2.25%2.25%2.26%2.26%2.29%2.37%
    05/20252.27%2.26%2.23%2.21%2.20%2.22%2.26%2.32%2.34%
    04/20252.40%2.28%2.22%2.19%2.18%2.19%2.22%2.23%2.25%
    03/20252.16%2.10%2.03%1.98%1.97%1.99%2.05%2.09%2.12%
    02/20252.14%2.09%2.00%1.93%1.90%1.91%1.97%1.99%2.01%
    01/20252.08%2.02%1.97%1.95%1.95%2.00%2.04%2.03%2.06%
    12/20241.79%1.86%1.84%1.85%1.87%1.93%1.97%1.96%2.00%
    11/20241.78%1.91%1.96%1.99%2.02%2.08%2.15%2.16%2.18%
    10/20241.33%1.67%1.83%1.92%2.00%2.11%2.21%2.27%2.31%
    09/20241.18%1.50%1.68%1.81%1.90%2.04%2.20%2.27%2.29%
    08/20241.48%1.60%1.68%1.75%1.82%1.94%2.07%2.13%2.15%
    07/20241.48%1.66%1.78%1.87%1.94%2.07%2.20%2.29%2.33%
    06/20241.15%1.52%1.71%1.82%1.90%2.05%2.22%2.31%2.36%
    05/20241.23%1.44%1.55%1.64%1.73%1.88%2.03%2.11%2.15%
    04/20241.09%1.33%1.44%1.54%1.62%1.77%1.90%1.98%2.04%
    03/20241.18%1.29%1.35%1.41%1.47%1.58%1.66%1.76%1.85%
    02/20241.04%1.11%1.18%1.27%1.39%1.57%1.66%1.75%1.87%
    01/20240.75%1.18%1.23%1.28%1.36%1.55%1.67%1.78%1.87%
    12/20231.11%1.23%1.24%1.26%1.32%1.45%1.54%1.62%1.72%
    11/20231.57%1.51%1.54%1.57%1.63%1.76%1.86%1.89%2.01%
    10/20231.62%1.57%1.57%1.58%1.62%1.72%1.76%1.78%1.90%
    09/20231.91%1.62%1.46%1.38%1.36%1.37%1.36%1.38%1.47%
    08/20231.95%1.51%1.31%1.25%1.25%1.27%1.25%1.25%1.32%
    07/20231.84%1.39%1.22%1.14%1.11%1.07%1.04%1.08%1.16%
    06/20231.67%1.42%1.28%1.20%1.16%1.11%1.09%1.14%1.22%
    05/20231.61%1.36%1.23%1.16%1.13%1.12%1.13%1.19%1.26%
    04/20231.36%1.27%1.20%1.16%1.13%1.12%1.15%1.20%1.22%
    03/20231.31%1.37%1.26%1.19%1.16%1.14%1.11%1.11%1.14%
    02/20231.23%1.11%1.00%0.94%0.91%0.87%0.83%0.86%0.92%
    01/20231.44%1.11%0.97%0.89%0.85%0.80%0.75%0.76%0.84%
    12/20220.99%0.87%0.84%0.83%0.82%0.79%0.77%0.85%0.93%
    11/20220.46%0.48%0.52%0.56%0.58%0.60%0.61%0.66%0.79%
    10/2022-0.02%0.29%0.44%0.53%0.58%0.65%0.72%0.84%1.01%
    09/2022-1.03%-0.43%-0.11%0.06%0.16%0.30%0.47%0.71%0.87%
    08/2022-1.14%-0.59%-0.41%-0.34%-0.28%-0.11%0.18%0.55%0.76%
    07/2022-1.60%-0.79%-0.47%-0.29%-0.16%0.03%0.27%0.62%0.74%
    06/2022-1.99%-0.94%-0.44%-0.18%-0.02%0.21%0.49%0.80%0.90%
    05/2022-2.14%-1.51%-1.11%-0.81%-0.57%-0.21%0.16%0.58%0.73%
    04/2022-2.49%-2.01%-1.63%-1.32%-1.05%-0.66%-0.33%0.11%0.39%
    03/2022-2.73%-2.41%-2.13%-1.81%-1.50%-1.00%-0.51%0.07%0.37%
    02/2022-2.22%-2.12%-1.92%-1.69%-1.46%-1.09%-0.63%-0.08%0.22%
    01/2022-2.54%-2.47%-2.27%-2.08%-1.91%-1.61%-1.17%-0.61%-0.26%
    12/2021-2.41%-2.43%-2.32%-2.16%-2.01%-1.71%-1.25%-0.67%-0.30%
    11/2021-2.59%-2.47%-2.27%-2.08%-1.91%-1.59%-1.18%-0.67%-0.25%
    10/2021-2.70%-2.57%-2.35%-2.11%-1.90%-1.52%-1.01%-0.37%0.05%
    09/2021-2.24%-2.22%-2.12%-1.97%-1.80%-1.42%-0.90%-0.23%0.13%
    08/2021-1.94%-1.92%-1.85%-1.74%-1.60%-1.26%-0.81%-0.23%0.13%
    07/2021-1.95%-1.86%-1.74%-1.60%-1.44%-1.11%-0.67%-0.16%0.15%
    06/2021-2.10%-1.95%-1.78%-1.59%-1.40%-1.06%-0.63%-0.15%0.19%
    05/2021-1.86%-1.81%-1.70%-1.56%-1.40%-1.08%-0.62%-0.03%0.26%
    04/2021-1.48%-1.40%-1.33%-1.23%-1.12%-0.85%-0.42%-0.04%0.15%
    03/2021-1.35%-1.31%-1.25%-1.18%-1.09%-0.84%-0.44%-0.06%0.13%
    02/2021-1.14%-1.19%-1.19%-1.14%-1.06%-0.83%-0.51%-0.15%0.09%
    01/2021-0.88%-0.97%-1.05%-1.09%-1.08%-0.95%-0.68%-0.27%-0.02%
    12/2020-0.24%-0.60%-0.75%-0.82%-0.84%-0.77%-0.53%-0.17%0.05%
    11/20200.15%-0.33%-0.52%-0.61%-0.65%-0.62%-0.44%-0.09%0.15%
    10/20200.41%-0.13%-0.37%-0.49%-0.55%-0.57%-0.46%-0.17%0.08%
    09/20200.13%-0.28%-0.49%-0.59%-0.63%-0.67%-0.60%-0.33%-0.05%
    08/20200.01%-0.32%-0.49%-0.58%-0.63%-0.69%-0.63%-0.33%-0.04%
    07/20200.08%-0.15%-0.30%-0.41%-0.48%-0.56%-0.55%-0.34%-0.07%
    06/2020-0.34%-0.51%-0.64%-0.72%-0.76%-0.74%-0.64%-0.37%-0.05%
    05/20200.23%-0.24%-0.46%-0.55%-0.58%-0.56%-0.47%-0.25%0.04%
    04/20200.97%0.16%-0.17%-0.32%-0.39%-0.42%-0.36%-0.13%0.18%
    03/20201.34%0.56%0.24%0.10%0.02%-0.09%-0.12%0.06%0.24%
    02/2020-0.81%-0.96%-0.97%-0.94%-0.91%-0.83%-0.64%-0.28%0.07%
    01/2020-0.83%-0.98%-0.97%-0.94%-0.90%-0.78%-0.57%-0.19%0.18%
    12/2019-0.68%-0.83%-0.84%-0.83%-0.80%-0.70%-0.48%-0.07%0.33%
    11/2019-0.81%-0.96%-0.95%-0.92%-0.87%-0.73%-0.45%0.04%0.48%
    10/2019-0.81%-0.99%-1.02%-1.00%-0.95%-0.81%-0.54%-0.07%0.41%
    09/2019-0.87%-0.99%-0.98%-0.93%-0.86%-0.69%-0.37%0.21%0.68%
    08/2019-0.82%-0.88%-0.89%-0.88%-0.85%-0.75%-0.46%0.11%0.61%
    07/2019-0.99%-0.95%-0.90%-0.82%-0.71%-0.48%-0.08%0.50%0.98%
    06/2019-1.04%-1.00%-0.91%-0.78%-0.64%-0.39%0.01%0.66%1.14%
    05/2019-0.87%-0.78%-0.66%-0.53%-0.40%-0.15%0.22%0.79%1.24%
    04/2019-0.70%-0.75%-0.64%-0.49%-0.34%-0.09%0.33%0.91%1.32%
    03/2019-0.82%-0.83%-0.69%-0.50%-0.32%-0.01%0.40%0.97%1.36%
    02/2019-0.77%-0.75%-0.62%-0.43%-0.23%0.11%0.52%1.04%1.39%
    01/2019-0.60%-0.59%-0.47%-0.27%-0.06%0.29%0.69%1.18%1.52%
    12/2018-0.68%-0.57%-0.37%-0.12%0.11%0.46%0.83%1.27%1.57%
    11/2018-0.70%-0.59%-0.41%-0.20%0.02%0.38%0.79%1.26%1.54%
    10/2018-0.92%-0.75%-0.56%-0.34%-0.12%0.23%0.63%1.08%1.37%
    09/2018-1.02%-0.80%-0.58%-0.36%-0.15%0.19%0.57%1.04%1.34%
    08/2018-1.12%-0.91%-0.70%-0.48%-0.27%0.07%0.47%0.97%1.28%
    07/2018-1.22%-0.93%-0.68%-0.44%-0.22%0.13%0.53%1.03%1.36%
    06/2018-0.96%-0.82%-0.65%-0.46%-0.27%0.06%0.45%0.93%1.28%
    05/2018-0.65%-0.65%-0.55%-0.39%-0.23%0.08%0.46%0.93%1.26%
    04/2018-0.57%-0.63%-0.54%-0.39%-0.22%0.06%0.38%0.86%1.19%
    03/2018-0.46%-0.52%-0.47%-0.34%-0.19%0.07%0.39%0.83%1.15%
    02/2018-0.64%-0.62%-0.53%-0.38%-0.21%0.08%0.40%0.81%1.14%
    01/2018-0.39%-0.48%-0.49%-0.43%-0.32%-0.09%0.21%0.68%1.07%
    12/2017-0.34%-0.47%-0.48%-0.39%-0.26%0.01%0.35%0.83%1.21%
    11/2017-0.16%-0.38%-0.43%-0.34%-0.20%0.07%0.39%0.80%1.17%
    10/20170.00%-0.19%-0.24%-0.18%-0.08%0.15%0.42%0.77%1.10%
    09/2017-0.02%-0.24%-0.30%-0.26%-0.16%0.06%0.35%0.74%1.10%
    08/2017-0.07%-0.22%-0.28%-0.25%-0.18%0.05%0.36%0.78%1.14%
    07/2017-0.43%-0.34%-0.26%-0.16%-0.04%0.22%0.55%0.98%1.34%
    06/2017-0.41%-0.33%-0.24%-0.12%0.02%0.33%0.67%1.07%1.42%
    05/2017-0.32%-0.29%-0.22%-0.12%0.02%0.33%0.68%1.06%1.41%
    04/2017-0.10%-0.04%-0.01%0.05%0.16%0.44%0.79%1.17%1.50%
    03/20170.28%0.13%0.11%0.18%0.29%0.57%0.88%1.21%1.53%
    02/20170.13%-0.02%-0.05%0.03%0.18%0.48%0.76%1.09%1.42%
    01/20170.08%-0.05%-0.07%0.01%0.15%0.44%0.69%0.99%1.36%
    12/2016-0.35%-0.21%-0.10%0.04%0.21%0.49%0.68%0.93%1.30%
    11/2016-0.25%-0.27%-0.19%-0.05%0.10%0.36%0.55%0.82%1.19%
    10/2016-0.30%-0.30%-0.20%-0.07%0.07%0.28%0.46%0.73%1.08%
    09/2016-0.36%-0.35%-0.29%-0.19%-0.06%0.18%0.38%0.65%1.00%
    08/2016-0.29%-0.32%-0.29%-0.21%-0.10%0.11%0.31%0.59%0.95%
    07/2016-0.38%-0.43%-0.40%-0.33%-0.23%-0.01%0.20%0.49%0.84%
    06/2016-0.30%-0.34%-0.29%-0.21%-0.11%0.10%0.33%0.60%0.95%
    05/2016-0.19%-0.31%-0.29%-0.22%-0.12%0.09%0.31%0.61%0.91%
    04/20160.05%-0.32%-0.33%-0.24%-0.12%0.12%0.37%0.69%0.97%
    03/20160.09%-0.21%-0.22%-0.14%-0.03%0.19%0.44%0.75%1.04%
    02/20160.44%0.08%0.02%0.05%0.12%0.28%0.50%0.81%1.09%
    01/20160.41%0.14%0.11%0.16%0.22%0.36%0.60%0.96%1.29%
    12/20150.06%-0.13%-0.13%-0.05%0.05%0.32%0.68%1.06%1.39%
    11/2015-0.18%-0.36%-0.31%-0.18%-0.03%0.28%0.65%1.06%1.40%
    10/2015-0.38%-0.53%-0.47%-0.35%-0.20%0.12%0.56%1.02%1.31%
    09/2015-0.33%-0.55%-0.47%-0.27%-0.05%0.32%0.72%1.11%1.40%
    08/2015-0.43%-0.62%-0.51%-0.32%-0.12%0.24%0.68%1.14%1.46%
    07/2015-0.83%-0.96%-0.78%-0.51%-0.21%0.29%0.79%1.21%1.50%
    06/2015-0.96%-1.01%-0.80%-0.50%-0.21%0.27%0.71%1.04%1.31%
    05/2015-0.84%-1.08%-1.01%-0.80%-0.55%-0.11%0.29%0.59%0.82%
    04/2015-0.56%-0.86%-0.85%-0.70%-0.53%-0.25%0.02%0.22%0.44%
    03/2015-0.56%-0.81%-0.79%-0.66%-0.49%-0.18%0.14%0.40%0.65%
    02/2015-0.63%-0.71%-0.66%-0.55%-0.41%-0.12%0.27%0.67%0.95%
    01/2015-0.32%-0.43%-0.40%-0.30%-0.18%0.09%0.47%0.92%1.22%
    12/2014-0.32%-0.41%-0.38%-0.26%-0.09%0.30%0.77%1.16%1.38%
    11/2014-0.14%-0.38%-0.45%-0.37%-0.21%0.17%0.63%1.05%1.30%
    10/2014-0.37%-0.67%-0.71%-0.58%-0.37%0.09%0.59%1.06%1.37%
    09/2014-0.82%-0.89%-0.77%-0.53%-0.26%0.22%0.70%1.20%1.53%
    08/2014-0.61%-0.73%-0.62%-0.37%-0.10%0.32%0.73%1.23%1.60%
    07/2014-0.66%-0.72%-0.59%-0.36%-0.11%0.34%0.81%1.33%1.72%
    06/2014-0.77%-0.81%-0.66%-0.40%-0.12%0.38%0.90%1.42%1.79%
    05/2014-0.84%-0.97%-0.82%-0.52%-0.16%0.46%1.11%1.66%1.96%
    04/2014-0.94%-1.04%-0.83%-0.47%-0.07%0.62%1.31%1.87%2.17%
    03/2014-0.90%-1.05%-0.87%-0.52%-0.12%0.61%1.34%1.88%2.18%
    02/2014-0.79%-0.85%-0.67%-0.34%0.05%0.80%1.55%2.08%2.34%
    01/2014-0.72%-0.83%-0.61%-0.23%0.19%0.94%1.66%2.13%2.36%
    12/2013-0.75%-0.87%-0.69%-0.34%0.06%0.80%1.57%2.11%2.31%
    11/2013-0.45%-0.71%-0.59%-0.27%0.12%0.84%1.56%2.12%2.40%
    10/2013-0.55%-0.72%-0.54%-0.19%0.21%0.95%1.69%2.24%2.49%
    09/2013-0.46%-0.61%-0.36%0.03%0.46%1.20%1.87%2.36%2.57%
    08/2013-0.51%-0.67%-0.49%-0.11%0.31%1.06%1.76%2.28%2.52%
    07/2013-0.31%-0.56%-0.42%-0.10%0.28%0.96%1.65%2.23%2.54%
    06/2013-0.23%-0.50%-0.35%-0.03%0.34%1.02%1.70%2.24%2.55%
    05/2013-0.25%-0.48%-0.41%-0.19%0.09%0.69%1.40%2.08%2.41%
    04/2013-0.06%-0.28%-0.20%0.00%0.28%0.88%1.60%2.20%2.48%
    03/2013-0.32%-0.41%-0.24%0.04%0.37%1.02%1.73%2.30%2.58%
    02/2013-0.04%-0.29%-0.16%0.10%0.41%1.04%1.72%2.25%2.51%
    01/20130.03%-0.33%-0.25%0.03%0.36%0.96%1.56%2.00%2.31%
    12/20120.02%-0.33%-0.26%-0.01%0.29%0.88%1.53%2.05%2.36%
    11/2012-0.11%-0.40%-0.29%0.01%0.36%1.01%1.72%2.32%2.63%
    10/2012-0.23%-0.38%-0.25%0.06%0.45%1.16%1.90%2.45%2.74%
    09/2012-0.26%-0.38%-0.20%0.17%0.58%1.31%2.06%2.59%2.83%
    08/2012-0.49%-0.46%-0.27%0.07%0.47%1.20%1.96%2.52%2.78%
    07/20120.04%-0.11%-0.06%0.22%0.59%1.30%2.04%2.56%2.78%
    06/20120.25%0.09%0.17%0.48%0.87%1.55%2.23%2.71%2.94%
    05/20120.44%0.34%0.41%0.67%0.99%1.60%2.26%2.72%2.94%
    04/20120.43%0.33%0.38%0.64%1.00%1.66%2.32%2.77%2.97%
    03/20120.39%0.37%0.43%0.70%1.06%1.74%2.38%2.75%2.94%
    02/20120.59%0.41%0.42%0.63%0.94%1.57%2.21%2.64%2.85%
    01/20120.83%0.56%0.52%0.69%0.98%1.59%2.22%2.62%2.82%
    12/20111.14%0.73%0.66%0.84%1.13%1.75%2.37%2.73%2.87%
    11/20111.23%0.93%0.88%1.05%1.31%1.84%2.36%2.67%2.82%
    10/20111.16%1.05%0.99%1.11%1.34%1.82%2.28%2.55%2.72%
    09/20110.93%0.97%1.00%1.17%1.43%1.95%2.44%2.69%2.83%
    08/20110.84%0.99%1.06%1.24%1.48%1.95%2.44%2.77%2.96%
    07/20110.47%0.89%1.09%1.33%1.59%2.07%2.55%2.89%3.08%
    06/20110.69%1.09%1.31%1.54%1.78%2.21%2.64%2.95%3.14%
    05/20110.34%0.98%1.31%1.59%1.84%2.28%2.70%2.99%3.16%
    04/20110.55%1.09%1.39%1.63%1.86%2.33%2.78%3.02%3.15%
    03/20110.10%0.63%0.90%1.13%1.39%1.98%2.60%2.94%3.10%
    02/2011-0.11%0.34%0.62%0.88%1.15%1.77%2.44%2.86%3.04%
    01/2011-0.11%0.20%0.45%0.69%0.97%1.57%2.23%2.70%2.92%
    12/2010-0.15%0.17%0.42%0.65%0.91%1.50%2.16%2.64%2.88%
    11/2010-0.53%-0.17%0.09%0.33%0.59%1.18%1.84%2.35%2.62%
    10/2010-0.57%-0.14%0.14%0.35%0.57%1.09%1.72%2.26%2.57%
    09/2010-0.62%-0.16%0.17%0.41%0.65%1.16%1.80%2.36%2.67%
    08/2010-0.74%-0.30%0.01%0.27%0.53%1.12%1.85%2.44%2.72%
    07/2010-0.89%-0.36%0.05%0.39%0.72%1.35%2.08%2.61%2.84%
    06/2010-0.56%-0.12%0.25%0.55%0.84%1.46%2.20%2.72%2.96%
    05/2010-0.29%0.26%0.63%0.87%1.10%1.67%2.40%2.86%3.05%
    04/2010-0.02%0.45%0.82%1.05%1.26%1.81%2.50%2.88%3.00%
    03/20100.02%0.32%0.71%0.98%1.22%1.79%2.48%2.88%3.02%
    02/20100.11%0.38%0.80%1.13%1.41%1.97%2.62%3.00%3.12%
    01/2010-0.11%0.33%0.87%1.24%1.51%2.05%2.68%3.07%3.18%
    12/2009-0.35%0.13%0.63%1.01%1.32%1.92%2.60%3.05%3.20%
    11/2009-0.59%-0.24%0.21%0.58%0.92%1.61%2.46%3.07%3.22%
    10/2009-0.56%-0.18%0.28%0.69%1.06%1.76%2.62%3.26%3.39%
    09/2009-0.77%-0.01%0.56%0.99%1.36%2.02%2.82%3.40%3.50%
    08/2009-1.41%-0.26%0.43%0.97%1.42%2.10%2.83%3.41%3.56%
    07/2009-1.45%-0.52%0.18%0.81%1.36%2.17%2.95%3.50%3.68%
    06/2009-1.13%-0.16%0.62%1.27%1.78%2.47%3.13%3.65%3.77%
    05/2009-0.80%-0.20%0.44%1.02%1.52%2.25%3.02%3.55%3.65%
    04/20090.60%0.60%0.81%1.07%1.32%1.85%2.66%3.26%3.35%
    03/20091.22%1.11%1.23%1.41%1.60%2.08%2.80%3.25%3.31%
    02/20091.61%1.50%1.61%1.73%1.86%2.21%2.82%3.29%3.36%
    01/20092.33%2.08%2.16%2.25%2.33%2.60%3.14%3.57%3.62%
    12/20083.94%3.19%3.05%3.02%3.02%3.12%3.42%3.70%3.78%
    11/20083.80%3.57%3.66%3.71%3.74%3.84%4.09%4.32%4.34%
    10/20083.03%3.36%3.58%3.66%3.68%3.70%3.88%4.06%4.04%
    09/20081.93%2.50%2.75%2.87%2.93%3.05%3.34%3.62%3.63%
    08/20081.43%1.96%2.24%2.42%2.56%2.82%3.20%3.52%3.54%
    07/20080.93%1.41%1.83%2.17%2.42%2.79%3.21%3.53%3.54%
    06/20081.19%1.68%2.09%2.36%2.54%2.78%3.13%3.48%3.51%
    05/20080.48%1.71%2.30%2.55%2.66%2.81%3.17%3.57%3.57%
    04/20080.77%1.52%1.98%2.25%2.43%2.70%3.17%3.56%3.57%
    03/20081.49%1.76%2.12%2.38%2.54%2.76%3.14%3.51%3.56%
    02/20082.49%2.55%2.77%2.92%2.99%3.04%3.23%3.49%3.52%
    01/20082.39%2.77%3.11%3.29%3.35%3.39%3.53%3.72%3.74%

    תשואות מק"ם

    מלווה קצר מועד של בנק ישראל. עוגן למסלולי משתנה כל שנה. מקור: בנק ישראל.

    תשואות מק"ם לפי תקופה לפדיון, מקור בנק ישראל, 09/2026
    תקופה לפדיון תשואה פעולה
    חודש אחד 3.17%
    חודשיים 3.13%
    3 חודשים 3.12%
    4 חודשים 3.13%
    5 חודשים 3.16%
    6 חודשים 3.13%
    7 חודשים 3.13%
    8 חודשים 3.19%
    9 חודשים 3.19%
    10 חודשים 3.18%
    11 חודשים 3.19%
    12 חודשים 3.19%
    תשואות מק"ם לפי תקופה לפדיון, מקור בנק ישראל, 09/2026 מול החודש הקודם ומול לפני שנה
    תקופה לפדיון 09/2026 08/2026 09/2025
    חודש אחד 3.17% 3.48% 4.38%
    חודשיים 3.13% 3.32% 4.29%
    3 חודשים 3.12% 3.31% 4.27%
    4 חודשים 3.13% 3.27% 4.27%
    5 חודשים 3.16% 3.27% 4.25%
    6 חודשים 3.13% 3.26% 4.20%
    7 חודשים 3.13% 3.25% 4.20%
    8 חודשים 3.19% 3.25% 4.20%
    9 חודשים 3.19% 3.28% 4.19%
    10 חודשים 3.18% 3.26% 4.14%
    11 חודשים 3.19% 3.25% 4.12%
    12 חודשים 3.19% 3.24% 4.10%

    ממוצע חודשי קלנדרי, ספטמבר 2026. מקור: בנק ישראל.
    הממוצע של אוקטובר יתפרסם בתחילת נובמבר.

    הצג טבלת היסטוריה (417 חודשים)

    תשואות מק"ם, תשואה, היסטוריה חודשית. מקור: בנק ישראל.
    חודש חודש אחד חודשיים 3 חודשים 4 חודשים 5 חודשים 6 חודשים 7 חודשים 8 חודשים 9 חודשים 10 חודשים 11 חודשים 12 חודשים
    09/2026 3.17% 3.13% 3.12% 3.13% 3.16% 3.13% 3.13% 3.19% 3.19% 3.18% 3.19% 3.19%
    08/2026 3.48% 3.32% 3.31% 3.27% 3.27% 3.26% 3.25% 3.25% 3.28% 3.26% 3.25% 3.24%
    07/2026 3.50% 3.32% 3.28% 3.26% 3.26% 3.26% 3.26% 3.24% 3.25% 3.27% 3.26% 3.25%
    06/2026 3.66% 3.50% 3.45% 3.37% 3.36% 3.34% 3.32% 3.32% 3.30% 3.28% 3.29% 3.26%
    05/2026 3.98% 3.78% 3.77% 3.74% 3.72% 3.70% 3.70% 3.67% 3.67% 3.66% 3.63% 3.63%
    04/2026 4.01% 3.83% 3.81% 3.79% 3.75% 3.77% 3.77% 3.76% 3.72% 3.73% 3.73% 3.72%
    03/2026 4.00% 3.87% 3.83% 3.81% 3.79% 3.76% 3.76% 3.73% 3.74% 3.73% 3.72% 3.71%
    02/2026 3.96% 3.75% 3.67% 3.66% 3.60% 3.55% 3.55% 3.53% 3.51% 3.51% 3.49% 3.47%
    01/2026 4.05% 3.88% 3.83% 3.76% 3.76% 3.73% 3.72% 3.70% 3.67% 3.66% 3.62% 3.60%
    12/2025 4.27% 4.07% 4.04% 4.01% 3.97% 4.00% 3.96% 3.91% 3.89% 3.86% 3.85% 3.84%
    11/2025 4.44% 4.19% 4.16% 4.12% 4.09% 4.10% 4.05% 4.00% 3.99% 3.96% 3.93% 3.92%
    10/2025 4.50% 4.27% 4.22% 4.16% 4.11% 4.11% 4.09% 4.07% 4.05% 4.04% 3.98% 3.98%
    09/2025 4.38% 4.29% 4.27% 4.27% 4.25% 4.20% 4.20% 4.20% 4.19% 4.14% 4.12% 4.10%
    08/2025 4.43% 4.32% 4.28% 4.27% 4.27% 4.25% 4.22% 4.22% 4.21% 4.22% 4.18% 4.18%
    07/2025 4.52% 4.32% 4.30% 4.31% 4.27% 4.28% 4.23% 4.21% 4.21% 4.19% 4.15% 4.12%
    תשואות מק"ם, תשואה, היסטוריה חודשית. מקור: בנק ישראל.
    חודש חודש אחד חודשיים 3 חודשים 4 חודשים 5 חודשים 6 חודשים 7 חודשים 8 חודשים 9 חודשים 10 חודשים 11 חודשים 12 חודשים
    09/20263.17%3.13%3.12%3.13%3.16%3.13%3.13%3.19%3.19%3.18%3.19%3.19%
    08/20263.48%3.32%3.31%3.27%3.27%3.26%3.25%3.25%3.28%3.26%3.25%3.24%
    07/20263.50%3.32%3.28%3.26%3.26%3.26%3.26%3.24%3.25%3.27%3.26%3.25%
    06/20263.66%3.50%3.45%3.37%3.36%3.34%3.32%3.32%3.30%3.28%3.29%3.26%
    05/20263.98%3.78%3.77%3.74%3.72%3.70%3.70%3.67%3.67%3.66%3.63%3.63%
    04/20264.01%3.83%3.81%3.79%3.75%3.77%3.77%3.76%3.72%3.73%3.73%3.72%
    03/20264.00%3.87%3.83%3.81%3.79%3.76%3.76%3.73%3.74%3.73%3.72%3.71%
    02/20263.96%3.75%3.67%3.66%3.60%3.55%3.55%3.53%3.51%3.51%3.49%3.47%
    01/20264.05%3.88%3.83%3.76%3.76%3.73%3.72%3.70%3.67%3.66%3.62%3.60%
    12/20254.27%4.07%4.04%4.01%3.97%4.00%3.96%3.91%3.89%3.86%3.85%3.84%
    11/20254.44%4.19%4.16%4.12%4.09%4.10%4.05%4.00%3.99%3.96%3.93%3.92%
    10/20254.50%4.27%4.22%4.16%4.11%4.11%4.09%4.07%4.05%4.04%3.98%3.98%
    09/20254.38%4.29%4.27%4.27%4.25%4.20%4.20%4.20%4.19%4.14%4.12%4.10%
    08/20254.43%4.32%4.28%4.27%4.27%4.25%4.22%4.22%4.21%4.22%4.18%4.18%
    07/20254.52%4.32%4.30%4.31%4.27%4.28%4.23%4.21%4.21%4.19%4.15%4.12%
    06/20254.50%4.35%4.36%4.34%4.32%4.32%4.31%4.31%4.30%4.29%4.26%4.25%
    05/20254.47%4.32%4.32%4.28%4.27%4.27%4.26%4.26%4.25%4.26%4.24%4.24%
    04/20254.42%4.37%4.35%4.30%4.29%4.27%4.25%4.28%4.25%4.27%4.26%4.23%
    03/20254.52%4.33%4.32%4.30%4.26%4.26%4.26%4.24%4.24%4.23%4.23%4.23%
    02/20254.46%4.36%4.35%4.30%4.28%4.27%4.27%4.25%4.25%4.24%4.23%4.23%
    01/20254.50%4.32%4.29%4.27%4.26%4.25%4.23%4.24%4.22%4.23%4.21%4.21%
    12/20244.62%4.36%4.36%4.33%4.34%4.32%4.33%4.31%4.30%4.28%4.28%4.25%
    11/20244.55%4.36%4.36%4.33%4.35%4.35%4.34%4.35%4.36%4.36%4.35%4.34%
    10/20244.47%4.35%4.33%4.34%4.36%4.36%4.37%4.36%4.38%4.38%4.39%4.38%
    09/20244.49%4.30%4.29%4.28%4.28%4.29%4.28%4.27%4.24%4.24%4.25%4.21%
    08/20244.46%4.31%4.29%4.26%4.30%4.28%4.26%4.26%4.22%4.20%4.15%4.13%
    07/20244.54%4.33%4.31%4.31%4.32%4.32%4.32%4.32%4.31%4.30%4.27%4.23%
    06/20244.61%4.33%4.34%4.35%4.35%4.34%4.34%4.35%4.35%4.34%4.34%4.30%
    05/20244.55%4.23%4.32%4.33%4.32%4.33%4.33%4.32%4.32%4.32%4.30%4.29%
    04/20244.42%4.25%4.30%4.29%4.29%4.27%4.27%4.25%4.25%4.23%4.21%4.20%
    03/20244.56%4.28%4.22%4.25%4.25%4.23%4.21%4.22%4.19%4.11%4.07%4.02%
    02/20244.56%4.29%4.28%4.25%4.22%4.21%4.20%4.16%4.14%4.09%4.04%3.98%
    01/20244.56%4.36%4.32%4.30%4.27%4.25%4.24%4.20%4.16%4.14%4.09%4.02%
    12/20234.86%4.53%4.49%4.42%4.39%4.35%4.28%4.27%4.22%4.17%4.07%4.05%
    11/20234.79%4.56%4.52%4.52%4.47%4.44%4.39%4.38%4.34%4.30%4.19%4.13%
    10/20234.51%4.54%4.55%4.52%4.56%4.55%4.50%4.54%4.52%4.48%4.48%4.44%
    09/20234.69%4.61%4.64%4.72%4.75%4.74%4.75%4.75%4.75%4.75%4.76%4.75%
    08/20234.54%4.68%4.66%4.71%4.74%4.74%4.74%4.74%4.74%4.74%4.74%4.73%
    07/20234.67%4.55%4.60%4.66%4.74%4.75%4.74%4.75%4.78%4.77%4.78%4.77%
    06/20234.61%4.53%4.56%4.66%4.72%4.75%4.77%4.76%4.77%4.77%4.77%4.77%
    05/20234.29%4.35%4.35%4.44%4.49%4.53%4.55%4.55%4.60%4.59%4.61%4.63%
    04/20234.23%4.23%4.29%4.32%4.43%4.47%4.51%4.55%4.55%4.59%4.61%4.62%
    03/20233.97%4.14%4.24%4.35%4.43%4.50%4.60%4.62%4.66%4.68%4.66%4.67%
    02/20233.71%3.88%3.92%4.01%4.07%4.13%4.19%4.22%4.18%4.19%4.21%4.23%
    01/20233.56%3.55%3.64%3.67%3.68%3.81%3.83%3.87%3.86%3.85%3.86%3.89%
    12/20222.89%3.23%3.25%3.37%3.35%3.47%3.43%3.48%3.53%3.52%3.51%3.55%
    11/20222.65%2.63%2.70%2.83%3.01%2.98%3.11%3.15%3.16%3.19%3.25%3.28%
    10/20221.63%1.77%1.86%2.15%2.40%2.67%2.75%2.84%2.85%2.99%3.05%3.08%
    09/20221.15%1.62%1.78%1.98%2.13%2.23%2.30%2.32%2.48%2.57%2.61%2.68%
    08/20221.21%1.28%1.39%1.49%1.55%1.60%1.67%1.72%1.78%1.89%1.94%1.98%
    07/20220.24%0.78%0.85%1.00%1.20%1.21%1.37%1.44%1.56%1.56%1.53%1.72%
    06/20220.03%0.30%0.36%0.57%0.75%0.86%0.96%1.16%1.20%1.26%1.32%1.38%
    05/20220.03%-0.04%0.02%0.12%0.20%0.39%0.48%0.69%0.73%0.80%0.83%0.91%
    04/2022-0.06%-0.02%0.09%0.17%0.33%0.36%0.42%0.48%0.51%0.63%0.72%0.80%
    03/20220.03%0.07%0.07%0.12%0.20%0.20%0.24%0.26%0.32%0.36%0.47%0.47%
    02/2022-0.04%0.03%0.00%0.01%0.03%0.04%0.07%0.08%0.11%0.17%0.15%0.17%
    01/20220.06%0.02%0.02%0.02%0.02%0.02%0.03%0.03%0.02%0.02%0.02%0.02%
    12/2021-0.16%-0.03%-0.02%0.02%-0.02%-0.01%0.00%-0.01%0.01%-0.01%0.00%-0.01%
    11/2021-0.10%-0.03%-0.01%0.00%0.00%0.00%0.01%0.02%0.02%0.01%0.02%0.02%
    10/20210.19%0.02%0.02%0.03%0.02%0.02%0.02%0.02%0.01%0.02%0.01%0.01%
    09/20210.08%0.01%0.01%0.00%0.02%0.01%0.00%0.01%0.01%0.00%0.01%0.00%
    08/20210.15%0.02%-0.01%-0.01%0.01%0.01%0.01%0.00%0.01%0.01%0.00%0.00%
    07/20210.16%0.00%-0.01%0.00%0.00%0.01%0.00%0.01%0.00%0.01%0.02%0.01%
    06/20210.13%0.04%0.03%0.01%0.02%0.02%0.02%0.03%0.03%0.02%0.02%0.02%
    05/20210.13%0.04%0.03%0.03%0.03%0.03%0.02%0.03%0.02%0.02%0.02%0.03%
    04/20210.06%0.04%0.02%0.03%0.02%0.01%0.02%0.02%0.02%0.01%0.02%0.01%
    03/2021-0.01%-0.03%-0.05%-0.03%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%-0.01%
    02/20210.09%-0.03%-0.03%0.00%0.00%-0.01%0.00%0.01%0.00%-0.01%-0.01%-0.01%
    01/2021-0.26%-0.13%-0.08%-0.03%-0.03%-0.03%-0.02%-0.01%-0.01%0.00%0.00%0.00%
    12/20200.20%0.05%0.05%0.04%0.05%0.04%0.04%0.03%0.04%0.03%0.03%0.03%
    11/20200.06%0.03%0.03%0.02%0.03%0.02%0.03%0.02%0.02%0.03%0.03%0.03%
    10/20200.20%0.06%0.03%0.04%0.02%0.02%0.02%0.03%0.02%0.02%0.03%0.02%
    09/20200.13%0.06%0.06%0.05%0.05%0.03%0.04%0.04%0.05%0.04%0.04%0.05%
    08/20200.33%0.06%0.05%0.04%0.05%0.03%0.03%0.03%0.03%0.03%0.04%0.04%
    07/20200.09%0.05%0.04%0.03%0.03%0.02%0.03%0.02%0.02%0.03%0.02%0.03%
    06/20200.11%0.06%0.05%0.03%0.04%0.04%0.03%0.04%0.03%0.03%0.04%0.03%
    05/20200.21%0.08%0.06%0.05%0.06%0.05%0.05%0.05%0.05%0.05%0.05%0.05%
    04/20200.26%0.08%0.09%0.08%0.09%0.09%0.09%0.09%0.09%0.10%0.10%0.10%
    03/20200.38%0.21%0.19%0.19%0.21%0.22%0.22%0.19%0.23%0.22%0.20%0.18%
    02/20200.39%0.19%0.18%0.16%0.15%0.16%0.17%0.16%0.16%0.16%0.16%0.15%
    01/20200.23%0.22%0.19%0.17%0.17%0.17%0.16%0.17%0.18%0.16%0.16%0.16%
    12/20190.38%0.21%0.18%0.16%0.15%0.14%0.15%0.15%0.15%0.14%0.14%0.14%
    11/20190.38%0.18%0.14%0.14%0.12%0.13%0.12%0.12%0.12%0.13%0.13%0.12%
    10/20190.32%0.24%0.20%0.16%0.18%0.18%0.17%0.17%0.17%0.17%0.17%0.16%
    09/20190.34%0.18%0.17%0.17%0.17%0.17%0.17%0.17%0.17%0.16%0.17%0.18%
    08/20190.36%0.25%0.23%0.24%0.22%0.23%0.22%0.22%0.22%0.21%0.20%0.21%
    07/20190.27%0.28%0.27%0.25%0.27%0.28%0.28%0.30%0.29%0.29%0.29%0.29%
    06/20190.41%0.27%0.28%0.27%0.28%0.27%0.28%0.28%0.29%0.29%0.31%0.31%
    05/20190.35%0.29%0.30%0.30%0.31%0.31%0.32%0.34%0.35%0.37%0.36%0.37%
    04/20190.32%0.29%0.27%0.28%0.30%0.30%0.30%0.29%0.30%0.30%0.32%0.33%
    03/20190.49%0.26%0.25%0.26%0.26%0.27%0.27%0.27%0.28%0.28%0.29%0.29%
    02/20190.43%0.27%0.26%0.24%0.25%0.28%0.29%0.30%0.31%0.31%0.31%0.32%
    01/20190.26%0.21%0.25%0.28%0.28%0.31%0.34%0.37%0.40%0.39%0.42%0.42%
    12/20180.52%0.26%0.28%0.30%0.31%0.31%0.34%0.42%0.42%0.44%0.46%0.46%
    11/20180.32%0.18%0.17%0.16%0.18%0.19%0.21%0.25%0.28%0.28%0.30%0.29%
    10/20180.17%0.15%0.15%0.14%0.17%0.19%0.20%0.22%0.23%0.25%0.26%0.26%
    09/20180.38%0.11%0.12%0.13%0.16%0.15%0.19%0.20%0.21%0.21%0.23%0.22%
    08/20180.31%0.16%0.12%0.13%0.13%0.13%0.14%0.18%0.20%0.19%0.20%0.21%
    07/20180.16%0.13%0.12%0.12%0.11%0.13%0.13%0.18%0.18%0.18%0.21%0.19%
    06/20180.32%0.14%0.11%0.11%0.12%0.13%0.13%0.16%0.16%0.17%0.17%0.18%
    05/20180.28%0.14%0.13%0.12%0.13%0.13%0.13%0.16%0.18%0.16%0.18%0.18%
    04/20180.38%0.15%0.13%0.14%0.13%0.14%0.13%0.14%0.13%0.13%0.14%0.15%
    03/20180.26%0.14%0.13%0.12%0.12%0.12%0.12%0.13%0.12%0.13%0.13%0.13%
    02/20180.32%0.14%0.11%0.13%0.12%0.11%0.12%0.12%0.12%0.13%0.12%0.13%
    01/20180.27%0.14%0.11%0.11%0.11%0.11%0.11%0.12%0.12%0.12%0.12%0.13%
    12/20170.19%0.12%0.13%0.11%0.11%0.11%0.12%0.11%0.12%0.12%0.12%0.12%
    11/20170.31%0.12%0.13%0.12%0.10%0.11%0.11%0.12%0.11%0.11%0.11%0.11%
    10/20170.23%0.12%0.08%0.11%0.10%0.10%0.10%0.09%0.10%0.10%0.09%0.09%
    09/20170.37%0.13%0.10%0.09%0.10%0.10%0.10%0.10%0.09%0.10%0.09%0.09%
    08/20170.27%0.15%0.13%0.10%0.10%0.11%0.11%0.11%0.11%0.11%0.09%0.10%
    07/20170.35%0.13%0.12%0.11%0.11%0.10%0.11%0.11%0.12%0.11%0.11%0.12%
    06/20170.25%0.13%0.11%0.10%0.10%0.10%0.10%0.11%0.12%0.11%0.11%0.12%
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    03/20074.53%4.40%4.39%4.41%4.41%4.41%4.42%4.43%4.43%4.43%4.40%4.38%
    02/20074.76%4.61%4.60%4.58%4.57%4.55%4.55%4.55%4.54%4.54%4.51%4.49%
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    03/20065.25%5.26%5.28%5.37%5.41%5.46%5.48%5.53%5.59%5.61%5.63%5.65%
    02/20065.24%5.18%5.23%5.31%5.35%5.37%5.42%5.43%5.46%5.50%5.51%5.52%
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    10/20054.30%4.23%4.25%4.32%4.39%4.49%4.52%4.59%4.58%4.59%4.62%4.62%
    09/20053.86%3.79%3.84%3.89%3.97%4.02%4.12%4.17%4.23%4.23%4.27%4.29%
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    07/20053.70%3.68%3.68%3.71%3.80%3.82%3.89%3.97%4.05%4.11%4.15%4.18%
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    05/20053.98%3.70%3.67%3.68%3.71%3.74%3.82%3.87%3.92%3.97%3.99%4.01%
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    03/20053.70%3.60%3.53%3.60%3.62%3.66%3.71%3.83%3.90%3.99%4.06%4.10%
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    09/199211.06%10.87%10.88%10.89%10.91%10.89%10.93%10.93%10.89%10.90%10.88%10.92%
    08/199211.30%11.12%11.03%11.07%11.11%11.09%11.08%11.07%11.12%11.02%11.10%11.12%
    07/199211.72%11.32%11.26%11.44%11.48%11.49%11.48%11.56%11.59%11.54%11.56%11.67%
    06/199212.07%12.03%11.98%12.25%12.33%12.35%12.52%12.59%12.70%12.75%12.80%12.99%
    05/199213.12%12.67%12.63%12.78%12.97%13.06%13.27%13.44%13.49%13.52%13.60%13.74%
    04/199212.74%12.27%12.27%12.44%12.53%12.60%12.82%12.84%12.89%12.94%12.96%13.10%
    03/199212.55%12.29%12.26%12.35%12.40%12.41%12.60%12.73%12.70%12.71%12.77%12.87%
    02/199213.68%13.07%12.91%12.83%12.78%12.70%12.63%12.77%12.55%12.70%12.73%12.61%
    01/199215.55%14.77%14.68%14.68%14.70%14.72%14.93%15.00%14.99%14.95%15.00%15.07%

    מדד המחירים לצרכן

    נתוני הלמ"ס, רלוונטי למסלולים הצמודים למדד.

    בסמארטפון אפשר לגלול את הטבלה ימינה ושמאלה לצפייה בכל העמודות.

    מדד המחירים לצרכן לפי חודש, מקור הלמ"ס
    חודש / שנה המדד בנקודות שינוי באחוזים
    09-2026 105.3 -0.5%
    08-2026 105.8 0.7%
    07-2026 105.1 0.3%
    06-2026 104.8 0%
    05-2026 104.8 -0.3%
    04-2026 105.1 1.2%
    03-2026 103.9 0.4%
    02-2026 103.5 0.2%
    01-2026 103.3 -0.3%
    12-2025 103.6 0%
    מדד המחירים לצרכן לפי חודש, מקור הלמ"ס
    חודש / שנה המדד בנקודות שינוי באחוזים
    09-2026105.3-0.5%
    08-2026105.80.7%
    07-2026105.10.3%
    06-2026104.80%
    05-2026104.8-0.3%
    04-2026105.11.2%
    03-2026103.90.4%
    02-2026103.50.2%
    01-2026103.3-0.3%
    12-2025103.60%
    מדד שנתי 2025--4.4%
    11-2025103.6-0.5%
    10-2025104.10.5%
    09-2025103.6-0.6%
    08-2025104.20.7%
    07-2025103.50.4%
    06-2025103.10.3%
    05-2025102.8-0.3%
    04-2025103.11.1%
    03-2025102.00.5%
    02-2025101.50%
    01-2025101.50.6%
    12-2024108.4-0.3%
    מדד שנתי 2024-3.2%
    11-2024108.7-0.4%
    10-2024109.10.5%
    09-2024108.6-0.2%
    08-2024108.80.9%
    07-2024107.80.6%
    06-2024107.20.1%
    05-2024107.10.2%
    04-2024106.90.8%
    03-2024106.00.6%
    02-2024105.40.4%
    01-2024105.00%
    12-2023105.0-0.1%
    מדד שנתי 2023--2.8%
    11-2023105.1-0.3%
    10-2023105.40.5%
    09-2023104.9-0.1%
    08-2023105.00.5%
    07-2023104.50.3%
    06-2023104.20%
    05-2023104.20.2%
    04-2023104.00.8%
    03-2023103.20.4%
    02-2023102.80.5%
    01-2023102.30.3%
    12-2022108.00.3%
    מדד שנתי 2022-5.3%
    11-2022107.70.1%
    10-2022107.60.6%
    09-2022107.00.2%
    08-2022106.8-0.3%
    07-2022107.11.1%
    06-2022105.90.4%
    05-2022105.50.6%
    04-2022104.90.8%
    03-2022104.10.6%
    02-2022103.50.7%
    01-2022102.80.2%
    12-2021102.60.3%
    מדד שנתי 2021-2.5%
    11-2021102.3-0.1%
    10-2021102.40.1%
    09-2021102.30.2%
    08-2021102.10.3%
    07-2021101.80.4%
    06-2021101.40.1%
    05-2021101.30.4%
    04-2021100.90.3%
    03-2021100.60.6%
    02-2021100.00.3%
    01-202199.7-0.1%
    12-2020100.1-0.1%
    מדד שנתי 2020--0.7%
    11-2020100.2-0.2%
    10-2020100.40.3%
    09-2020100.1-0.1%
    08-2020100.20%
    07-2020100.20.2%
    06-2020100.0-0.1%
    05-2020100.1-0.3%
    04-2020100.4-0.3%
    03-2020100.70.4%
    02-2020100.3-0.1%
    01-2020100.4-0.4%
    12-2019100.80%
    מדד שנתי 2019--0.4%
    11-2019100.8-0.4%
    10-2019101.20.4%
    09-2019100.8-0.2%
    08-2019101.00.2%
    07-2019100.8-0.3%
    06-2019101.1-0.6%
    05-2019101.70.7%
    04-2019101.00.3%
    03-2019100.70.5%
    02-2019100.20.1%
    01-2019100.1-0.1%
    12-2018101.2-0.3%
    מדד שנתי 2018-0.8%
    11-2018101.5-0.3%
    10-2018101.80.3%
    09-2018101.50.1%
    08-2018101.40.1%
    07-2018101.30%
    06-2018101.30.1%
    05-2018101.20.5%
    04-2018100.70.4%
    03-2018100.30.3%
    02-2018100.00.1%
    01-201899.9-0.5%
    12-2017100.40.1%
    מדד שנתי 2017-1.5%
    11-2017100.3-0.3%
    10-2017100.60.3%
    09-2017100.30.1%
    08-2017100.20.3%
    07-201799.9-0.1%
    06-2017100.0-0.7%
    05-2017100.70.4%
    04-2017100.30.2%
    03-2017100.10.3%
    02-201799.80%
    01-201799.8-0.2%
    12-201698.90%
    מדד שנתי 2016--0.2%
    11-201698.9-0.4%
    10-201699.30.2%
    09-201699.1-0.1%
    08-201699.2-0.3%
    07-201699.50.4%
    06-201699.10.3%
    05-201698.80.3%
    04-201698.50.4%
    03-201698.1-0.2%
    02-201698.3-0.3%
    01-201698.6-0.5%
    12-201599.1-0.1%
    מדד שנתי 2015--2.9%
    11-201599.2-0.4%
    10-201599.60.1%
    09-201599.5-0.4%
    08-201599.9-0.2%
    07-2015100.10.2%
    06-201599.90.3%
    05-201599.60.2%
    04-201599.40.6%
    03-201598.80.3%
    02-201598.5-0.7%
    01-201599.2-0.9%
    12-2014102.10%
    מדד שנתי 2014--0.2%
    11-2014102.1-0.2%
    10-2014102.30.3%
    09-2014102.0-0.3%
    08-2014102.3-0.1%
    07-2014102.40.1%
    06-2014102.30.3%
    05-2014102.00.1%
    04-2014101.90.1%
    03-2014101.80.3%
    02-2014101.5-0.2%
    01-2014101.7-0.6%
    12-2013102.30.1%
    מדד שנתי 2013--3.2%
    11-2013102.2-0.4%
    10-2013102.60.3%
    09-2013102.30%
    08-2013102.30.2%
    07-2013102.10.3%
    06-2013101.80.8%
    05-2013101.00.1%
    04-2013100.90.4%
    03-2013100.50.2%
    02-2013100.30%
    01-2013100.3-0.2%
    12-2012105.70.2%
    מדד שנתי 2012-1.6%
    11-2012105.5-0.5%
    10-2012106.0-0.2%
    09-2012106.20%
    08-2012106.21%
    07-2012105.10.1%
    06-2012105.0-0.3%
    05-2012105.30%
    04-2012105.30.9%
    03-2012104.40.4%
    02-2012104.00%
    01-2012104.00%
    12-2011104.00%
    מדד שנתי 2011--3.7%
    11-2011104.0-0.1%
    10-2011104.10.1%
    09-2011104.0-0.2%
    08-2011104.20.5%
    07-2011103.7-0.3%
    06-2011104.00.4%
    05-2011103.60.5%
    04-2011103.10.6%
    03-2011102.50.2%
    02-2011102.30.3%
    01-2011102.00.2%
    12-2010108.00.4%
    מדד שנתי 2010-2.7%
    11-2010107.60.1%
    10-2010107.50.3%
    09-2010107.20.3%
    08-2010106.90.5%
    07-2010106.40.5%
    06-2010105.90.3%
    05-2010105.60.4%
    04-2010105.20.9%
    03-2010104.30.1%
    02-2010104.2-0.3%
    01-2010104.5-0.7%
    12-2009105.20%
    מדד שנתי 2009--1.1%
    11-2009105.20.3%
    10-2009104.90.2%
    09-2009104.7-0.3%
    08-2009105.00.5%
    07-2009104.51.1%
    06-2009103.40.9%
    05-2009102.50.4%
    04-2009102.11%
    03-2009101.10.5%
    02-2009100.6-0.1%
    01-2009100.7-0.5%
    12-2008106.4-0.1%
    מדד שנתי 2008-3.8%
    11-2008106.5-0.6%
    10-2008107.10.1%
    09-2008107.00%
    08-2008107.00.8%
    07-2008106.11.1%
    06-2008104.90.1%
    05-2008104.80.7%
    04-2008104.11.5%
    03-2008102.60.3%
    02-2008102.3-0.2%
    01-2008102.50%
    12-2007102.50.6%
    מדד שנתי 2007--0.4%
    11-2007101.90.4%
    10-2007101.50.1%
    09-2007101.4-0.5%
    08-2007101.90.7%
    07-2007101.21.1%
    06-2007100.10.7%
    05-200799.40%
    04-200799.40.5%
    03-200798.90.2%
    02-200798.7-0.3%
    01-200799.0-0.1%
    12-2006102.90%
    מדד שנתי 2006--0.1%
    11-2006102.9-0.2%
    10-2006103.1-0.7%
    09-2006103.8-0.9%
    08-2006104.70%
    07-2006104.70.1%
    06-2006104.60.1%
    05-2006104.50%
    04-2006104.50.9%
    03-2006103.60.3%
    02-2006103.30.6%
    01-2006102.7-0.3%
    12-2005103.0-0.2%
    11-2005103.2-0.1%
    10-2005103.30.8%
    09-2005102.50.1%
    08-2005102.40.2%
    07-2005102.21.1%
    06-2005101.10.1%
    05-2005101.00.3%
    04-2005100.70.7%
    03-2005100.0-0.2%
    02-2005100.20.2%
    01-2005100.0-0.6%

    מידע מלא על מדד המחירים לצרכן

    מדד תשומות הבנייה

    נתוני הלמ"ס, רלוונטי לרוכשי דירה מקבלן ולהצמדת חוזי בנייה.

    בסמארטפון אפשר לגלול את הטבלה ימינה ושמאלה לצפייה בכל העמודות.

    מדד תשומות הבנייה לפי חודש, מקור הלמ"ס
    חודש / שנה המדד בנקודות שינוי באחוזים
    09-2026 104 0.1%
    08-2026 103.9 0.4%
    07-2026 103.5 -0.1%
    06-2026 103.6 0.2%
    05-2026 103.4 0.6%
    04-2026 102.8 1.1%
    03-2026 101.7 0.2%
    02-2026 101.5 0.2%
    01-2026 101.3 0.1%
    12-2025 101.2 0.1%
    מדד תשומות הבנייה לפי חודש, מקור הלמ"ס
    חודש / שנה המדד בנקודות שינוי באחוזים
    09-20261040.1%
    08-2026103.90.4%
    07-2026103.5-0.1%
    06-2026103.60.2%
    05-2026103.40.6%
    04-2026102.81.1%
    03-2026101.70.2%
    02-2026101.50.2%
    01-2026101.30.1%
    12-2025101.20.1%
    מדד שנתי 2025--24.3%
    11-2025101.10.6%
    10-2025100.50.1%
    09-2025100.40%
    08-2025100.40.4%
    07-2025138.70.1%
    06-2025138.60%
    05-2025138.60.1%
    04-2025138.40.1%
    03-2025138.20.4%
    02-2025137.70.4%
    01-2025137.12.6%
    12-2024133.60.3%
    מדד שנתי 2024-2.9%
    11-2024133.20.3%
    10-2024132.80.2%
    09-2024132.50.4%
    08-20241320.2%
    07-2024131.70.4%
    06-2024131.20.4%
    05-2024130.70.5%
    04-2024130.1-0.1%
    03-2024130.20.2%
    02-2024129.9-0.2%
    01-2024130.20.3%
    12-2023129.80%
    מדד שנתי 2023-2%
    11-2023129.80.1%
    10-2023129.70.2%
    09-2023129.50.1%
    08-2023129.40.1%
    07-2023129.3-0.2%
    06-2023129.60.3%
    05-2023129.2-0.1%
    04-2023129.30.3%
    03-2023128.90.2%
    02-2023128.6-0.2%
    01-2023128.81.2%
    12-2022127.30%
    מדד שנתי 2022-4.8%
    11-2022127.3-0.2%
    10-2022127.50%
    09-2022127.50%
    08-2022127.50.1%
    07-2022127.40.5%
    06-2022126.80.6%
    05-2022126.10.5%
    04-2022125.51%
    03-2022124.31%
    02-2022123.10.5%
    01-2022122.50.8%
    12-2021121.50.2%
    מדד שנתי 2021-5.6%
    11-2021121.20.5%
    10-2021120.60.2%
    09-2021120.30.3%
    08-20211200.6%
    07-2021119.30.3%
    06-20211190.6%
    05-2021118.30.7%
    04-2021117.50.8%
    03-2021116.60.5%
    02-20211160.2%
    01-2021115.80.6%
    12-2020115.10.4%
    מדד שנתי 2020-0.5%
    11-2020114.60%
    10-2020114.6-0.1%
    09-2020114.7-0.1%
    08-2020114.80.1%
    07-2020114.70%
    06-2020114.70%
    05-2020114.7-0.1%
    04-2020114.8-0.1%
    03-2020114.90.2%
    02-2020114.70%
    01-2020114.70.2%
    12-2019114.50.2%
    מדד שנתי 2019-1.1%
    11-2019114.30%
    10-2019114.3-0.1%
    09-2019114.40%
    08-2019114.40.1%
    07-2019114.30%
    06-2019114.30%
    05-2019114.30.1%
    04-2019114.20.1%
    03-2019114.10%
    02-2019114.10.1%
    01-20191140.6%
    12-2018113.30.1%
    מדד שנתי 2018-2%
    11-2018113.20%
    10-2018113.20.1%
    09-2018113.10%
    08-2018113.10.2%
    07-2018112.90.3%
    06-2018112.60.1%
    05-2018112.50.1%
    04-2018112.40.3%
    03-2018112.10.1%
    02-20181120.3%
    01-2018111.70.5%
    12-2017111.10.3%
    מדד שנתי 2017-1.9%
    11-2017110.80.1%
    10-2017110.70.2%
    09-2017110.50.2%
    08-2017110.30.5%
    07-2017109.80.2%
    06-2017109.60.2%
    05-2017109.40%
    04-2017109.40.2%
    03-2017109.20%
    02-2017109.20.2%
    01-20171090%
    12-20161090%
    מדד שנתי 2016-1.5%
    11-20161090.2%
    10-2016108.80%
    09-2016108.80.3%
    08-2016108.50%
    07-2016108.50.4%
    06-2016108.10.1%
    05-20161080.2%
    04-2016107.80.3%
    03-2016107.50%
    02-2016107.5-0.2%
    01-2016107.70.3%
    12-2015107.40.4%
    מדד שנתי 2015-0.9%
    11-2015107-0.1%
    10-2015107.10.1%
    09-20151070.1%
    08-2015106.90.2%
    07-2015106.70.1%
    06-2015106.60%
    05-2015106.60%
    04-2015106.60%
    03-2015106.60.2%
    02-2015106.4-0.1%
    01-2015106.50.1%
    12-2014106.40.1%
    מדד שנתי 2014-0.8%
    11-2014106.30.2%
    10-2014106.10.3%
    09-2014105.8-0.1%
    08-2014105.90.1%
    07-2014105.8-0.1%
    06-2014105.9-0.1%
    05-20141060.1%
    04-2014105.90.1%
    03-2014105.8-0.1%
    02-2014105.90%
    01-2014105.90.3%
    12-2013105.60%
    מדד שנתי 2013-1.4%
    11-2013105.60.1%
    10-2013105.50.1%
    09-2013105.40.2%
    08-2013105.20.1%
    07-2013105.10%
    06-2013105.10.2%
    05-2013104.90.3%
    04-2013104.6-0.2%
    03-2013104.80%
    02-2013104.80.2%
    01-2013104.60.5%
    12-2012104.10.1%
    מדד שנתי 2012-3.3%
    11-20121040.3%
    10-2012103.70%
    09-2012103.70%
    08-2012103.70.4%
    07-2012103.30.3%
    06-20121030.3%
    05-2012102.70.1%
    04-2012102.60.7%
    03-2012101.90.3%
    02-2012101.60.5%
    01-2012101.10.3%
    12-2011100.8-0.1%
    מדד שנתי 2011--21.6%
    11-2011100.90.2%
    10-2011100.70.1%
    09-2011100.60.3%
    08-2011100.30.3%
    07-2011132.30.2%
    06-20111320.7%
    05-2011131.10.8%
    04-2011130.10%
    03-2011130.10%
    02-2011130.10.6%
    01-2011129.30.6%
    12-2010128.50.5%
    מדד שנתי 2010-3.9%
    11-2010127.80.3%
    10-2010127.40.1%
    09-2010127.30.2%
    08-2010127.10.5%
    07-2010126.5-0.1%
    06-2010126.6-0.2%
    05-2010126.90.2%
    04-2010126.60.9%
    03-2010125.50.6%
    02-2010124.70.5%
    01-2010124.10.3%
    12-2009123.70.2%
    מדד שנתי 2009-0%
    11-2009123.50.2%
    10-2009123.3-0.2%
    09-2009123.60%
    08-2009123.6-0.1%
    07-2009123.70.3%
    06-2009123.30.1%
    05-2009123.20%
    04-2009123.20.1%
    03-2009123.10%
    02-2009123.10%
    01-2009123.1-0.5%
    12-2008123.7-0.2%
    מדד שנתי 2008-3.3%
    11-2008123.9-0.2%
    10-2008124.2-1.7%
    09-2008126.3-0.6%
    08-2008127.10.2%
    07-2008126.91.6%
    06-2008124.91.1%
    05-2008123.61.6%
    04-2008121.71.3%
    03-2008120.10.3%
    02-2008119.8-0.4%
    01-2008120.30.4%
    12-2007119.80%
    מדד שנתי 2007-3.1%
    11-2007119.8-0.1%
    10-2007119.9-0.2%
    09-2007120.10.1%
    08-20071200.3%
    07-2007119.71.1%
    06-2007118.40.7%
    05-2007117.6-0.2%
    04-2007117.80%
    03-2007117.80.3%
    02-2007117.50.2%
    01-2007117.30.9%
    12-2006116.2-0.3%
    מדד שנתי 2006-5.9%
    11-2006116.50%
    10-2006116.5-0.3%
    09-2006116.90.4%
    08-2006116.40.7%
    07-2006115.60.9%
    06-2006114.61%
    05-2006113.50.6%
    04-2006112.80.7%
    03-20061120.5%
    02-2006111.40.4%
    01-20061111.2%
    12-2005109.7-0.6%
    מדד שנתי 2005-5.9%
    11-2005110.4-0.9%
    10-2005111.4-0.5%
    09-20051120.3%
    08-2005111.72.7%
    07-2005108.82.8%
    06-2005105.80.5%
    05-2005105.30.2%
    04-2005105.10.3%
    03-2005104.80.3%
    02-2005104.50.1%
    01-2005104.40.8%
    12-2004103.60.2%
    מדד שנתי 2004--48.8%
    11-2004103.40.2%
    10-2004103.2-0.7%
    09-2004103.90.1%
    08-2004103.8-0.3%
    07-2004104.10.4%
    06-2004103.70.1%
    05-2004103.60.4%
    04-2004103.20.4%
    03-2004102.81.5%
    02-2004101.31.3%
    01-2004204.81.2%
    12-2003202.3-0.2%
    מדד שנתי 2003-2.4%
    11-2003202.80.5%
    10-2003201.7-1.5%
    09-2003204.80.6%
    08-2003203.60.4%
    07-2003202.81.2%
    06-2003200.30.8%
    05-2003198.7-0.7%
    04-2003200-0.2%
    03-2003200.50.2%
    02-2003200.10.5%
    01-2003199.20.8%
    12-2002197.60.7%
    מדד שנתי 2002-6.6%
    11-2002196.20.5%
    10-2002195.2-0.4%
    09-2002196-1%
    08-20021980.4%
    07-2002197.31.4%
    06-2002194.51.8%
    05-2002191.10.7%
    04-2002189.70.7%
    03-2002188.30.2%
    02-20021880.7%
    01-2002186.70.7%
    12-2001185.40.2%
    מדד שנתי 2001-1%
    11-2001185.10.1%
    10-2001185-1.2%
    09-2001187.2-0.3%
    08-2001187.80.2%
    07-2001187.51.2%
    06-2001185.31.2%
    05-2001183.10.1%
    04-2001182.9-0.1%
    03-2001183.1-0.2%
    02-2001183.4-0.3%
    01-20011840.3%
    12-2000183.50.2%
    מדד שנתי 2000-2.1%
    11-2000183.10.4%
    10-2000182.4-1.8%
    09-2000185.8-0.2%
    08-2000186.2-0.2%
    07-2000186.51.5%
    06-2000183.71.7%
    05-2000180.70.4%
    04-20001800.1%
    03-2000179.90.3%
    02-2000179.40.2%
    01-2000179.1-0.4%
    12-1999179.80.3%
    מדד שנתי 1999-2.2%
    11-1999179.2-0.1%
    10-1999179.3-0.5%
    09-1999180.2-1.2%
    08-1999182.30.2%
    07-1999181.91.4%
    06-1999179.41.4%
    05-1999176.90.3%
    04-1999176.30.1%
    03-1999176.10.4%
    02-1999175.4-0.3%
    01-19991760.1%
    12-1998175.90.3%
    מדד שנתי 1998-6.2%
    11-1998175.31.3%
    10-19981730.6%
    09-1998172-0.6%
    08-19981730.6%
    07-1998171.91.4%
    06-1998169.51.6%
    05-1998166.9-0.3%
    04-1998167.40.7%
    03-1998166.20.2%
    02-1998165.90.1%
    01-1998165.70%
    12-1997165.70.2%
    מדד שנתי 1997-8.3%
    11-1997165.4-0.2%
    10-1997165.7-1.2%
    09-1997167.70.5%
    08-1997166.90.8%
    07-1997165.52.5%
    06-1997161.42.5%
    05-1997157.4-0.3%
    04-1997157.80.9%
    03-1997156.40.3%
    02-1997155.91.4%
    01-1997153.80.5%
    12-19961530.5%
    מדד שנתי 1996-8.1%
    11-1996152.20.7%
    10-1996151.2-1.2%
    09-1996153.1-1.4%
    08-1996155.31%
    07-1996153.72.2%
    06-1996150.42.3%
    05-19961470.5%
    04-1996146.20.6%
    03-1996145.30.3%
    02-1996144.81%
    01-1996143.41.3%
    12-1995141.60.9%
    מדד שנתי 1995-8.9%
    11-1995140.40.1%
    10-1995140.3-2.5%
    09-1995143.9-0.6%
    08-1995144.70.7%
    07-1995143.73%
    06-1995139.52.6%
    05-19951360.6%
    04-1995135.21.2%
    03-1995133.60.8%
    02-1995132.60.7%
    01-1995131.71.3%
    12-19941301.2%
    מדד שנתי 1994-11.5%
    11-1994128.50.6%
    10-1994127.70%
    09-1994127.7-2.7%
    08-1994131.22%
    07-1994128.63.8%
    06-1994123.92.5%
    05-1994120.90.2%
    04-1994120.71.1%
    03-1994119.40.7%
    02-1994118.61.1%
    01-1994117.30.6%
    12-1993116.60.8%
    מדד שנתי 1993-7.9%
    11-1993115.7-0.3%
    10-1993116.1-1.5%
    09-1993117.9-0.6%
    08-1993118.61.3%
    07-1993117.12.2%
    06-1993114.62.7%
    05-1993111.60.2%
    04-1993111.40.5%
    03-1993110.90.5%
    02-1993110.41.5%
    01-1993108.80.6%
    12-1992108.10.5%
    מדד שנתי 1992--97.8%
    11-1992107.60.3%
    10-1992107.3-3.1%
    09-1992110.70%
    08-1992110.71.5%
    07-1992109.13.8%
    06-1992105.12.7%
    05-1992102.30.3%
    04-19921020.7%
    03-1992101.30.7%
    02-1992100.60.6%
    01-19924909.10.5%
    12-19914883.20.5%
    מדד שנתי 1991-14.9%
    11-19914860.80.6%
    10-19914831.5-0.5%
    09-19914856.3-2.6%
    08-19914985.22.2%
    07-199148773.4%
    06-19914717.84.7%
    05-19914507.81%
    04-199144631.2%
    03-19914408.52.6%
    02-19914295.90%
    01-19914296.41.1%
    12-19904251.50.8%
    11-19904218.50.5%
    10-19904197.5-1.5%
    09-19904261.92.3%
    08-199041651%
    07-19904122.53.1%
    06-19903996.93.4%
    05-19903867.11%
    04-199038292%
    03-19903755.51.1%
    02-19903713.71%
    01-19903677.21.2%

    מידע מלא על מדד תשומות הבנייה

    צפו: רישרד הננפלד על ריביות המשכנתא

    הסרטון נטען מיוטיוב רק בלחיצה, כדי לא להאט את טעינת העמוד.

    רישרד הננפלד, יועץ משכנתאות, מסביר

    איך קוראים את טבלת הריביות?

    חשוב להבין: הממוצע שמפרסם בנק ישראל כולל סל רחב של הלוואות, ובהן גם הלוואות לכל מטרה כנגד שעבוד דירה והלוואות זכאות. הוא אינו משקף בהכרח את מה שתקבלו אתם, והוא נועד בראש ובראשונה לשימוש הבנקים.

    רוב האנשים חושבים שהריבית הממוצעת נועדה להשוות את ההצעה שלהם. זו טעות. הנתון הזה נועד בעיקר לחישוב עמלת פירעון מוקדם, מה שמכונה קנס היוון.

    איך זה עובד? כשאתם מסלקים או ממחזרים מסלול בריבית קבועה, הבנק בודק את הריבית שלכם מול הריבית הממוצעת ביום הפירעון. דוגמה: אם יש לכם מסלול בריבית קבועה של 5% ואתם רוצים לסלק אותו, ואם הריבית הממוצעת לתקופה שנותרה עומדת על 4%, יש פער של אחוז אחד לטובת הבנק ותשלמו עמלת פערי ריבית. אם הממוצעת גבוהה מהריבית שלכם, אין פער לרעתכם.

    בתקופה של ירידת ריביות, ככל שהריבית הממוצעת יורדת כך גדל הסיכוי שמסלול קבוע שנלקח בעבר ייכנס לטווח של קנסות היוון. בחלק מהמקרים מדובר בסכומים משמעותיים, וברוב המקרים אפשר להיערך לכך מראש.

    מה משפיע על ריבית המשכנתא שתקבלו מהבנק?

    הבנק הוא עסק לניהול סיכונים. כשאתם נכנסים לסניף, הבנק בוחן אתכם כרמת סיכון. כדי לקבוע את המחיר, הוא בודק כמה אתם מסוכנים מבחינתו.

    1. פרופיל האשראי שלכם

    מערכת נתוני האשראי של בנק ישראל מאפשרת לבנקים לראות את היסטוריית התשלומים שלכם שלוש שנים לאחור. דירוג נמוך מתורגם מיידית לריבית גבוהה יותר כפרמיית סיכון. לפני שפונים לבנק כדאי להוציא דוח נתוני אשראי, לסגור חובות קטנים ולהקפיד שלא יהיו חריגות בחשבון.

    2. שיעור ההון העצמי ואחוז המימון

    יש מדרגות ריבית לפי אחוז מימון. יחס מימון נמוך מ-45% נחשב לרמת הסיכון הנמוכה, ומעל 60% הטריטוריה יקרה יותר. ירידה במדרגת המימון, גם בכמה אחוזים, מוזילה את הריבית על כל סכום ההלוואה.

    3. שווי הנכס ומיקומו

    הדירה היא הבטוחה של הבנק. נכס סחיר שקל למכור נתפס כסיכון נמוך יותר מנכס בעייתי, למשל נכס עם חריגות בנייה, טאבו לא מסודר או דירה בקיבוץ. ככל שהסיכון גבוה יותר, כך הריבית עולה.

    4. תקופת ההלוואה

    משכנתא ל-30 שנה מורידה את ההחזר החודשי אבל מייקרת משמעותית את העלות הכוללת. תקופה ארוכה נתפסת כסיכון גדול יותר, ולכן הריבית ל-30 שנה כמעט תמיד גבוהה מזו שתקבלו ל-15 או ל-20 שנה.

    5. המצב הכלכלי במשק

    הריבית שלכם לא חיה בוואקום. החלטות הריבית של בנק ישראל וסביבת האינפלציה משפיעות ישירות על הריביות בשוק. הנתונים המעודכנים מופיעים בטבלאות שבראש העמוד. בכל מקרה, אל תסתפקו בהצעה הראשונה ובצעו סקר שוק מול כמה בנקים.

    איך נקבעת ריבית המשכנתא?

    הריבית שתקבלו מושפעת בעיקר מריבית בנק ישראל. כשבנק ישראל מעלה את הריבית, הבנקים מעלים את הריבית על המשכנתאות וההחזר החודשי גדל. כשהוא מוריד, יש סיכוי שהריבית תרד.

    בנוסף, הריבית מושפעת מהמצב הכלכלי במדינה: באינפלציה גבוהה או בחוסר יציבות, הריביות בדרך כלל גבוהות יותר.

    הפרמטרים שקובעים את הריבית הסופית כוללים את סוג הריבית במסלול, סכום ההלוואה, אחוז המימון, מספר שנות ההחזר, שינויי המדד במסלולים הצמודים, סביבת הריבית במשק וגובה ריבית הפריים.

    1. ריבית קבועה, צמודה או לא צמודה למדד: ההחזר ידוע מראש, ובפירעון מוקדם עלולה לחול עמלת פערי ריבית.
    2. ריבית משתנה, צמודה או לא צמודה למדד: מתעדכנת בתחנות היציאה לפי עוגן שנקבע בהסכם.
    3. ריבית הפריים: נגזרת מריבית בנק ישראל בתוספת 1.5 נקודות האחוז ומשתנה עם כל החלטת ריבית.

    בשורה התחתונה: הריבית שלכם מורכבת מהחלטות של בנק ישראל, ממצב המשק ומסוג המסלול שתבחרו. לפני שחותמים כדאי לבדוק, להשוות ולהחליט כמה סיכון אתם מוכנים לקחת.

    שאלות נפוצות על ריביות משכנתא

    מהי הריבית הממוצעת שמפרסם בנק ישראל?

    זהו ממוצע של סל רחב של הלוואות משכנתא, ובהן גם הלוואות לכל מטרה בשעבוד דירה והלוואות זכאות. הממוצע אינו משקף בהכרח את הריבית שתקבלו אתם, והוא נועד בראש ובראשונה לשימוש הבנקים.

    למה הריבית הממוצעת חשובה בכלל?

    הנתון משמש בעיקר לחישוב עמלת פירעון מוקדם, מה שמכונה קנס היוון. כשפורעים או ממחזרים מסלול בריבית קבועה, הבנק משווה את הריבית שלכם לריבית הממוצעת ביום הפירעון, ולפי הפער נקבעת עמלת פערי הריבית.

    מה הקשר בין ריבית בנק ישראל לריבית הפריים?

    ריבית הפריים נגזרת מריבית בנק ישראל בתוספת קבועה של 1.5 נקודות האחוז. כששיעור ריבית בנק ישראל משתנה, הפריים משתנה בהתאם, וההחזר החודשי במסלול הפריים מתעדכן.

    מה משפיע על הריבית שאקבל בבנק?

    פרופיל האשראי שלכם, שיעור ההון העצמי ואחוז המימון, שווי הנכס ומיקומו, תקופת ההלוואה והמצב הכלכלי במשק. אחוז מימון נמוך יותר נחשב לסיכון נמוך יותר ומשפיע ישירות על הריבית.

    למה משכנתא ל-30 שנה יוצאת יקרה יותר?

    תקופה ארוכה נתפסת אצל הבנק כסיכון גדול יותר, ולכן הריבית לרוב גבוהה מזו שתקבלו ל-15 או ל-20 שנה. ההחזר החודשי קטן, אבל העלות הכוללת לאורך השנים גדלה.

    כל כמה זמן מתעדכנים הנתונים בעמוד?

    ריבית בנק ישראל מתעדכנת בהחלטות הוועדה המוניטרית. ממוצעי הריבית והמדדים מתעדכנים לפי מועד הפרסום הרשמי של בנק ישראל והלמ"ס, ולרוב מתייחסים לחודש הלוואות קודם.

    איך נקבעת ריבית המשכנתא ומה משפיע על הגובה שלה?

    ישנם לא מעט פרמטרים שקובעים את הריבית הסופית שיציעו לכם בעת לקיחת המשכנתא, וביניהם: סוג הריבית במסלול, סכום ההלוואה שנוטלים, אחוזי המימון, כמות השנים להחזר המשכנתא, עליית או ירידת המדד (אם מדובר בריבית צמודה למדד), גובה הריבית במשק, גובה ריבית הפריים ועוד.

    איזה סוגי ריבית משכנתא קיימים כיום?

    כיום נהוג לחלק משכנתאות על פי מסלולים שמתבססים על ריביות שונות כגון: ריבית הפריים, ריבית קבועה צמודה למדד, ריבית קבועה לא צמודה למדד, ריבית משתנה צמודה למדד, ריבית משתנה לא צמודה למדד, וריבית צמודה למטבע חוץ (מסלול נדיר, שמבוסס היום על ריביות בסיס בינלאומיות ולא על ליבור שבוטל).

    איך להוריד את ריבית המשכנתא?

    הגורם העיקרי שיכול להפחית את ריבית המשכנתא הוא אחוז המימון: ככל שאחוז המימון שהבנק יספק לכם לרכישת הנכס קטן יותר, כך גם הריבית תהיה אטרקטיבית יותר. זאת משום שהון עצמי גבוה שהלקוח מספק לבנק בעת לקיחת ההלוואה מוריד את הסיכון בשביל הבנק בנוגע לכך שהכסף אולי לא יוחזר לו.

    מהי קיבוע ריבית משכנתא?

    קיבוע ריבית משכנתא הוא הליך בו ניתן לעבור ממסלול משכנתא בריבית משתנה למסלול עם ריבית קבועה. במקום שההחזר החודשי ישתנה בהתאם לשינויים בריבית במשק, הריבית נשארת קבועה וידועה מראש לכל אורך התקופה שנותרה למשכנתא. המטרה העיקרית של פעולה זו היא להקנות ודאות ושקט נפשי ללווה, ולהגן עליו מפני עליות אפשריות בריבית בעתיד.

    יתרונות קיבוע הריבית

    • ודאות: ההחזר החודשי לא ישתנה כתוצאה מעליית ריבית. זה מאפשר ללווה לתכנן את התקציב המשפחתי בצורה מדויקת יותר, ללא חשש מהפתעות.
    • הגנה: קיבוע הריבית מגן על הלווה מפני סיכון של עלייה דרמטית בהחזרים החודשיים, כפי שקרה בעבר.
    • עלות: בדרך כלל, מעבר למסלול של ריבית קבועה בתחנת יציאה מוגדרת אינו כרוך בתשלום עמלות נוספות.
    מסלול ריבית קבועה צמודה: מתי הוא בכל זאת משתלם?

    המסלול הזה מטעה בהתחלה. הריבית ההתחלתית נראית אטרקטיבית ונמוכה משמעותית מהלא-צמוד, וזה עוזר לכם לעבור את “מבחן יחס ההחזר” של הבנק.

    • למה אתם רוצים אותו? כי רכיב הריבית נשאר קבוע ונותן שקט מעליות ריבית של בנק ישראל. אם האינפלציה תהיה אפסית – זה משתלם.
    • למה אתם לא רוצים אותו? המדד. אם האינפלציה עולה , הקרן שלכם תופחת. אתם משלמים ומשלמים, והחוב רק גדל.
    מה החסרונות של המסלול הקבוע-צמוד?

    הבעיה היא הגמישות. מסלול כזה כרוך לרוב בקנסות פירעון מוקדם גבוהים מאוד. אם תרצו למכור את הבית או למחזר כשריבית השוק תרד – אתם עלולים לגלות שאתם כבולים לבנק עם קנס של עשרות אלפי שקלים.

    מה הקשר בין הריבית הממוצעת לקנס הפירעון?

    אם הריבית שלכם גבוהה מהממוצע בשוק ביום הפירעון – תשלמו “קנס היוון”. הבנק רוצה פיצוי על זה שהוא מלווה את הכסף לאחרים במחיר זול יותר.

    הבהרה: תאריך העדכון של העמוד אינו מעיד בהכרח על תאריך עדכון נתוני הריבית עצמם. הנתונים המוצגים מתעדכנים בהתאם למועד פרסומם הרשמי, ולרוב חלים על חודש הלוואות קודם.

    הנתונים המוצגים מבוססים על פרסומים סטטיסטיים של בנק ישראל והלשכה המרכזית לסטטיסטיקה, ואינם מהווים הצעה או התחייבות לריבית כלשהי. אין באמור ייעוץ, שיווק או המלצה, והשימוש בנתונים באחריות הגולש בלבד.

    רישרד הננפלד יועץ משכנתאות
    הכותב והסוקר המקצועי

    רישרד הננפלד יועץ משכנתאות

    כלכלן (MBA) מהנדס בוגר נבחרת יועצי מזרחי-טפחות

    כיועץ משכנתאות עם שילוב ייחודי של חשיבה אנליטית כמהנדס, הבנה עסקית ככלכלן (MBA) ולמעלה מ-20 שנות ניסיון, אני מביא לשולחן המו"מ יתרון כפול: דיוק מתמטי וכוח מיקוח. כמנכ"ל "מיקוד משכנתאות" ובוגר "נבחרת היועצים" של בנק מזרחי-טפחות, אני מחזיק בגישה ישירה לדרגים הבכירים ביותר במערכת הבנקאית. את הקשרים והמעמד הללו אני מתעל כיום לטובת הלקוחות שלי, הנהנים מ"מסלול VIP": עמלות מופחתות, טיפול מהיר בתיקים מורכבים וגישה לתנאים שאינם פתוחים לציבור הרחב. אני חבר בהתאחדות יועצי המשכנתאות מיום הקמתה ומוסמך לעבודה מול כל הבנקים בישראל. המטרה שלי ברורה: להשתמש בכל הכלים, הידע והקשרים שלי כדי לבנות עבורכם את המשכנתא המשתלמת ביותר.

    Richard Hanenfeld
    חבר בהתאחדות יועצי המשכנתאות בישראל

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    Chiro Do marzio לפני 10 חודשים

    הגענו לרישרד אחרי שכבר היינו על סף ייאוש. יועצים אחרים פשוט ויתרו עלינו, אבל רישרד? יועץ משכנתא משכמו ומעלה! הוא לקח את התיק שלנו לידיים ועשה קסמים. לא רק שסגר לנו חובות, הוא גם בנה לנו תמהיל חכם שהתאים בול למצב שלנו. התוצאה? חיסכון של מאות אלפי שקלים!

    רינה ממן לפני 11 חודשים

    התקשרתי לרישרד לייעוץ ראשוני אחרי לא מעט נסיונות חיפוש אחרי ייעוץ וליווי בנושא משכנתא חדשה. רישרד היה אדיב, והסביר וענה על כל השאלות בסבלנות רבה ובמקצועיות מוחלטת.

    אמיר אלפנדרי לפני 9 חודשים

    רישרד עשה לנו ייעוץ משכנתא מא עד ת וחסך לנו המון כסף! והצוות שלו פשוט אלופים ממליץ!

    שירה שטרית לפני 9 חודשים

    חיפשנו המון זמן יועץ מקצועי וסבלני, ורישרד גרם לנו להרגיש בטוחים ובידיים טובות. הוא ליווה אותנו מהרגע הראשון, עשה לנו סדר בבלגן, ובנה לנו מסלול מותאם.

    ניר בהרי לפני 9 חודשים

    שירות אשש מספר 1! מקצוענות ללא פשרות.

    משכנתא גורו
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    שנתאם שיחת היכרות?

    בדיקה ראשונית ללא עלות · ייעוץ אישי ומקצועי.

    רישרד הננפלד · יועץ משכנתאות בכיר
    השאירו פרטים ונחזור אליכם

    השירותים של משכנתא גורו

    משכנתא לפושטי רגל

    סיימתם הליך פשיטת רגל וקיבלתם הפטר? המערכת עדיין רואה אתכם כ"מוקצים". אזהרה: אל תאמינו למי שמבטיח "למחוק BDI". אנחנו יודעים להציג לבנק את הסיפור הכלכלי החדש שלכם.

    משכנתא חוץ בנקאית

    כשהבנקים סוגרים את הדלת, הלחץ גורם לאנשים לפנות ל"שוק האפור". זו טעות. יש פתרונות מימון חוץ-בנקאיים מפוקחים והוגנים. אנו נבנה פתרון יצירתי דרך גופים מוסדיים.

    מסורבי משכנתא

    קיבלתם "לא" מהבנק? עצרו מיד. הטעות הקריטית היא לרוץ לבנק הבא ו"לשרוף" את התיק. ככלכלן שטיפל במאות מסורבים, אני יודע איך לנתח את הסירוב ולגרום לבנק להילחם עליכם.

    משכנתא הפוכה

    אתם בני 60+ והבית בבעלותכם? הטעות היא "לשבת על מיליונים" ולחיות בדוחק. משכנתא הפוכה מאפשרת לכם לקבל כסף מהנכס כקצבה או סכום חד-פעמי.

    איחוד הלוואות

    ההחזרים "חונקים" אתכם? אתם לא לבד. הפתרון הוא לאחד את כל ההלוואות היקרות לתוך המשכנתא, לפרוס נכון ולהוריד דרמטית את ההחזר החודשי.

    הלוואה כנגד נכס

    אם אתם צריכים סכום כסף גדול והנכס שלכם "נקי", הטעות היא לקחת הלוואות קטנות ויקרות. הנכס הוא המנוף הפיננסי החזק ביותר שלכם להשגת כסף זול.

    משכנתא לדירה ראשונה

    הטעות הראשונה שלכם תהיה הטעות היקרה ביותר. זוגות צעירים הם "טרף קל". התפקיד שלי הוא להילחם בשבילכם ולבנות לכם תמהיל שלא יחנק אתכם כשהריבית תשתנה.

    משכנתא לשיפוץ

    השיפוץ חרג מהתקציב? עצרו. אל תיקחו "הלוואת אקספרס". הריביות האלה הן רעל פיננסי. אני אראה לכם איך לאחד את עלות השיפוץ לתוך המשכנתא הקיימת.

    מיחזור משכנתא

    התפקיד שלי הוא לבחון את המשכנתא הקיימת שלכם ולבדוק אם היא עדיין מתאימה לתנאים היום. הבנק לא יתקשר אליכם מרצונו להציע להוזיל את הריביות. נבצע ניתוח מעמיק ומחזור מנצח.

    משכנתא לדירה שניה

    קניית דירה להשקעה היא לא משחק. מיסוי, אחוזי מימון, יחס החזר - הכל שונה. ככלכלן, אני מתמחה במינוף נכסים ובניית תוכנית עסקית להשקעה.

    משכנתא מחיר למשתכן

    זכיתם בהגרלה? מזל טוב. אזהרה: הלחץ והבירוקרטיה גורמים לזוכים לחתום על משכנתאות גרועות. אנחנו ננהל עבורכם את המלחמה מול הבנקים.

    משכנתא לכל מטרה

    צריכים כסף גדול? אל תפנו להלוואות מהירות בריבית רצחנית. אם יש לכם נכס, אתם יושבים על כסף זול. אנחנו נבנה לכם משכנתא חכמה בתנאים שמאפשרים לחיות.

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    אנו משתמשים בעוגיות בהתאם לחוק הגנת הפרטיות בישראל (תיקון 13). בלחיצה על "אני מאשר" אתה מסכים לשימוש בעוגיות. לקריאה נוספת - מדיניות פרטיות
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    ריבית בנק ישראל ירדה ל-3.25%!

    רק 37% מרוכשי הדירות משווים בין בנקים. אתם יודעים איפה אתם עומדים?

    הקבועה במשכנתא שלכם לא בהכרח.

    בדיקה ראשונית ללא עלות, ב-50 שניות יועץ מוסמך וחבר לשכה
    זה הזמן לבדוק את המשכנתא

    משכנתא חדשה או מחזור - בדקו איזו הצעה מתאימה לכם.

    0.5% בריבית = 107,000 ₪ לאורך המשכנתא.

    פרטי החישוב

    מיליון ₪ ל-30 שנה, להמחשה בלבד.

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    רישרד הננפלד, חבר התאחדות יועצי המשכנתאות · מיקוד משכנתאות בע"מ
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