Mortgage Stress Survival Simulator
The Mortgage Stress Simulator
Israeli mortgages ride the prime rate, and prime moves. Drag the shock and watch your payment climb in real time — then see whether your income could still carry it. Better to feel "what if prime hits 8%" here than in your bank account.
Share of income on the mortgage
Payment as rates climb
How this works. The shock is applied only to your prime-linked share — the part of an Israeli mortgage that moves with the Bank of Israel rate — while any fixed tracks stay put. The tool re-prices the loan at the blended higher rate and compares the new payment, and its share of your income, against today.
A stress test, not a forecast. It assumes the shock holds for the rest of the term and uses a simplified blended rate; real mortgages mix several tracks with their own rules. Use it to pressure-test your comfort, and plan your track mix with the Mashkanta Optimiser and a mortgage adviser. olimadvice.com