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Mortgage Lending Surges in Israel Despite Housing Market Slump, 2026 Set to Break Records

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דווח לראשונה בBehadrei Haredim · Aug 12, 2026

מה קרה

In July 2026, Israeli mortgage lending reached 11.56 billion shekels, the highest since late 2024, despite a weak housing market. CPI-linked mortgages fell to a historic low amid inflation concerns, with borrowers favoring prime-rate loans. The Mortgage Advisors Association noted that current mortgage volumes reflect past commitments rather than new demand, signaling a complex real estate financing environment.

01July 2026 mortgage lending hit 11.56 billion shekels, the highest since December 2024.
02Mortgage volumes have exceeded 10 billion shekels for two consecutive months.
03CPI-linked mortgages dropped to 10% of total, a historic low compared to two years ago.
042026’s average monthly mortgage volume (9.8 billion shekels) surpasses 2021’s peak despite fewer transactions.
05Borrowers avoid CPI-linked loans due to inflation and economic uncertainty, preferring prime-rate loans.
06High mortgage figures reflect past commitments, not a new surge in housing demand.

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Nofar Yaakov