Off-Plan Payment Modeler

Olim Advice · Tools

The Off-Plan Payment Modeler

Off-plan in Israel hides a second price tag. Most of what you pay is linked to the Madad construction index — so the longer the build, the more the contract price quietly climbs. This models the real schedule, and the premium the index adds before you hold the keys.

The contract

The deal terms

Contract price ₪ nominal

₪

Build time to handover 30 months

Madad (index) rate 4.0%/yr

At signing %

On handover %

Stage payments in between 4

iThe signing payment is paid at today\u2019s price. Every later instalment is linked to the index, so it costs more by the time it falls due.

What you'll really pay

—

contract price

—

index adds

—

true total

The schedule

Payment by payment

Contract amountIndex escalation

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How this works. The tool spreads your contract price across signing, evenly-spaced stage payments, and handover. The signing payment is paid at face value; every later instalment is escalated by the Madad index from contract to payment date, compounding over the build. The premium is the gap between what you pay and the headline price.

A model, not your contract. Real off-plan schedules, which index applies (usually the construction inputs index), and what portion is linked all vary by developer and contract — read yours carefully. Index movements are assumptions, not forecasts. olimadvice.com