Mashkanta Track Optimiser

Olim Advice · Tools

The Mashkanta Track Optimiser

An Israeli mortgage is never one rate — it's a blend of tracks, each with its own exposure to interest rates and inflation. This tool searches every compliant mix, stress-tests it, and finds the one that fits how much risk you can carry.

Step 1

Your loan

Property price ₪

₪

Your equity (cash in) ₪

₪

Term 25 years

Buyer type

First
home Up-
grader Invest-
or Foreign
res.

How much rate & inflation risk can you carry?

Conservative Balanced Aggressive

▸ Today's rates & assumptions

Prime פריים · variable

Fixed unlinked קל״צ · safest

Fixed CPI-linked צמודה קבועה · real

Variable CPI-linked משתנה · resets 5y

Assumed inflation CPI, annual

i Rates are illustrative defaults — replace them with your bank's actual quotes for a real result.

Recommended balanced mix

—

First monthly payment

—

Total cost over term

—

Worst-case cost uplift

The mix

How your loan is split

Stress test

What happens if rates & prices climb

i Each bar is the total cost of this exact mix if the variable and inflation-linked portions move against you. A heavier fixed share shortens these bars — at a higher starting price.

The trade-off

Cost vs exposure

i Every faint point is one compliant mix. Down is cheaper; left is safer. The frontier is the best you can do at each level of risk — your recommendation sits on it, marked in gold.

Olim Advice · Mashkanta Optimiser

Balanced track mix

₪1,700,000 over 25 years

—

PER MONTH

—

TOTAL COST

—

STRESS UPLIFT

olimadvice.comPRIME · KALATZ · LINKED

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How this works. The optimiser amortises each of the four Israeli mortgage tracks separately, then searches thousands of compliant splits in 5% steps. It scores each by base cost and by how far that cost can climb under interest-rate and inflation shocks, and returns the cheapest mix your chosen risk level allows. It respects the Bank of Israel rule that at least one-third of a loan be fixed-rate, and checks your loan-to-value against the cap for your buyer type.

This is a planning tool, not advice. Default rates and CPI are illustrative, Bank of Israel caps and oleh benefits change, and inflation-linked costs are modelled at an assumed CPI. Confirm current rates, LTV limits, and your reduced purchase-tax (mas rechisha) entitlement with a licensed mortgage adviser before committing. olimadvice.com