ריבית הפריים הינה הריבית הנפוצה ביותר בעולם המימון, שכן ריבית זו מהווה עוגן למרבית המשכנתאות וההלוואות הצרכניות.
ריבית זו הינה נגזרת של ריבית בנק ישראל, אשר יכולה להשתנות כ 8 פעמים בשנה.
לריבית הפריים בדרך כלל תהיה תוספת או הפחתה שנקבעת במעמד החתימה על הסכם המשכנתא.
עם התוספת/ ההפחתה (המרווח) נקבל ריבית לתשלום, כאשר ה"מרווח" קבוע לאורך כל תקופת המשכנתא ואילו ה"עוגן" שהוא למעשה הפריים יכול להשתנות במהלך תקופת ההלוואה ובהתאם לשינוי הריבית לתשלום תעלה או תרד.
מסלול הפריים נחשב אטרקטיבי בהלוואת המשכנתא כיוון שאין בו עמלות פירעון וניתן לשנות או לפרוע בכל זמן נתון מבלי לשלם עמלות היוון, מצד שני פוטנציאל השינוי בריבית הינו גבוה ומכאן הסיכון בעליית החזרים חודשיים לאורך השנים.
דוגמא לחישוב ריבית הפריים:
ריבית בנק ישראל: 3.75%
מרווח לריבית בנק ישראל (קבוע): 1.50%
תוצאה – ריבית הפריים: 5.25%
דוגמא לחישוב ריבית במסלול פריים:
ריבית הפריים: 5.25%
מרווח שנקבל מהבנק – פלוס או מינוס (לדוגמא מינוס): 0.50%-
תוצאה – ריבית לתשלום: 4.75%
ריבית הפריים
| ריבית הפריים | ריבית בנק ישראל נוכחית | תוספת לריבית בנק ישראל | שינוי אחרון בריבית |
| 6.00% | 4.50% | 1.50% | 0% |
| כניסת הריבית לתוקף | ריבית הפריים | תוספת לריבית בנק ישראל | ריבית בנק ישראל | תאריך פרסום הבא |
|---|---|---|---|---|
| 10/04/2025 | 6.00% | 1.50% | 4.50% | 26/05/2025 |
| 27/02/2025 | 6.00% | 1.50% | 4.50% | 07/04/2025 |
| 09/01/2025 | 6.00% | 1.50% | 4.50% | 24/02/2025 |
| 28/11/2024 | 6.00% | 1.50% | 4.50% | 06/01/2025 |
| 10/10/2024 | 6.00% | 1.50% | 4.50% | 25/11/2024 |
| 01/09/2024 | 6.00% | 1.50% | 4.50% | 09/10/2024 |
| 11/07/2024 | 6.00% | 1.50% | 4.50% | 28/08/2024 |
| 30/05/2024 | 6.00% | 1.50% | 4.50% | 08/07/2024 |
| 11/04/2024 | 6.00% | 1.50% | 4.50% | 27/05/2024 |
| 29/02/2024 | 6.00% | 1.50% | 4.50% | 08/04/2024 |
| 04/01/2024 | 6.00% | 1.50% | 4.50% | 26/02/2024 |
| 30/11/2023 | 6.25% | 1.50% | 4.75% | 01/01/2024 |
| 23/10/2023 | 6.25% | 1.50% | 4.75% | 27/11/2023 |
| 07/09/2023 | 6.25% | 1.50% | 4.75% | 23/10/2023 |
| 13/07/2023 | 6.25% | 1.50% | 4.75% | 04/09/2023 |
| 25/05/2023 | 6.25% | 1.50% | 4.75% | 10/07/2023 |
| 07/04/2023 | 6.00% | 1.50% | 4.50% | 22/05/2023 |
| 23/02/2023 | 5.75% | 1.50% | 4.25% | 03/04/2023 |
| 02/01/2023 | 5.25% | 1.50% | 3.75% | 20/02/2023 |
| 24/11/2022 | 4.75% | 1.50% | 3.25% | 02/01/2023 |
| 09/10/2022 | 4.25% | 1.50% | 2.75% | 21/11/2022 |
| 25/08/2022 | 3.50% | 1.50% | 2.00% | 03/10/2022 |
| 07/07/2022 | 2.75% | 1.50% | 1.25% | 22/08/2022 |
| 26/05/2022 | 2.25% | 1.50% | 0.75% | 04/07/2022 |
| 14/04/2022 | 1.85% | 1.50% | 0.35% | 23/05/2022 |
| 22/11/2021 | 1.60% | 1.50% | 0.10% | 31/12/2021 |
| 26/08/2021 | 1.60% | 1.50% | 0.10% | 27/09/2021 |
| 27/05/2021 | 1.60% | 1.50% | 0.10% | 28/06/2021 |
| 25/02/2021 | 1.60% | 1.50% | 0.10% | 29/03/2021 |
| 28/01/2021 | 1.60% | 1.50% | 0.10% | 22/02/2021 |
| 31/12/2020 | 1.60% | 1.50% | 0.10% | 25/01/2021 |
| 26/11/2020 | 1.60% | 1.50% | 0.10% | 28/12/2020 |
| 29/10/2020 | 1.60% | 1.50% | 0.10% | 30/11/2020 |
| 01/10/2020 | 1.60% | 1.50% | 0.10% | 26/10/2020 |
| 03/09/2020 | 1.60% | 1.50% | 0.10% | 28/09/2020 |
| 30/07/2020 | 1.60% | 1.50% | 0.10% | 31/08/2020 |
| 22/06/2020 | 1.60% | 1.50% | 0.10% | 02/07/2020 |
| 28/05/2020 | 1.60% | 1.50% | 0.10% | 29/06/2020 |
| 06/04/2020 | 1.60% | 1.50% | 0.10% | 27/04/2020 |
| 02/04/2020 | 1.75% | 1.50% | 0.25% | 27/04/2020 |
| 27/02/2021 | 1.75% | 1.50% | 0.25% | 30/03/2020 |
| 30/01/2020 | 1.75% | 1.50% | 0.25% | 24/02/2020 |
| 02/01/2020 | 1.75% | 1.50% | 0.25% | 27/01/2020 |
| 28/11/2019 | 1.75% | 1.50% | 0.25% | 30/12/2019 |
| 31/10/2019 | 1.75% | 1.50% | 0.25% | 25/11/2019 |
| 03/10/2019 | 1.75% | 1.50% | 0.25% | 28/10/2019 |
| 29/08/2019 | 1.75% | 1.50% | 0.25% | 30/09/2019 |
| 01/08/2019 | 1.75% | 1.50% | 0.25% | 26/08/2019 |
| 27/06/2019 | 1.75% | 1.50% | 0.25% | 29/07/201 |
| 30/05/2019 | 1.75% | 1.50% | 0.25% | 24/06/2019 |
| 02/05/2019 | 1.75% | 1.50% | 0.25% | 27/05/2019 |
| 28/03/2019 | 1.75% | 1.50% | 0.25% | 29/04/2019 |
| 28/02/2019 | 1.75% | 1.50% | 0.25% | 25/03/2019 |
| 31/01/2019 | 1.75% | 1.50% | 0.25% | 25/02/2019 |
| 10/01/2019 | 1.75% | 1.50% | 0.25% | 28/01/2019 |
| 29/11/2018 | 1.75% | 1.50% | 0.25% | 31/12/2018 |
| 01/11/2018 | 1.60% | 1.50% | 0.10% | 26/11/2018 |
| 27/09/2018 | 1.60% | 1.50% | 0.10% | 29/10/2018 |
| 30/08/2018 | 1.60% | 1.50% | 0.10% | 24/09/2018 |
| 02/08/2018 | 1.60% | 1.50% | 0.10% | 27/08/2018 |
| 28/06/2018 | 1.60% | 1.50% | 0.10% | 30/07/2018 |
| 31/05/2018 | 1.60% | 1.50% | 0.10% | 25/06/2018 |
| 03/05/2018 | 1.60% | 1.50% | 0.10% | 28/05/2018 |
| 29/03/2018 | 1.60% | 1.50% | 0.10% | 30/04/2018 |
| 01/03/2018 | 1.60% | 1.50% | 0.10% | 26/03/2018 |
| 01/02/2018 | 1.60% | 1.50% | 0.10% | 26/02/2018 |
| 28/12/2017 | 1.60% | 1.50% | 0.10% | 29/01/2018 |
| 29/12/2016 | 1.60% | 1.50% | 0.10% | 25/12/2017 |
| 31/12/2015 | 1.60% | 1.50% | 0.10% | 26/12/2016 |
| 03/12/2015 | 1.60% | 1.50% | 0.10% | 28/12/2015 |
| 29/10/2015 | 1.60% | 1.50% | 0.10% | 30/11/2015 |
| 01/10/2015 | 1.60% | 1.50% | 0.10% | 26/10/2015 |
| 03/09/2015 | 1.60% | 1.50% | 0.10% | 28/09/2015 |
| 30/07/2015 | 1.60% | 1.50% | 0.10% | 31/08/2015 |
| 02/07/2015 | 1.60% | 1.50% | 0.10% | 27/07/2015 |
| 28/05/2015 | 1.60% | 1.50% | 0.10% | 29/06/2015 |
| 30/04/2015 | 1.60% | 1.50% | 0.10% | 25/05/2015 |
| 02/04/2015 | 1.60% | 1.50% | 0.10% | 27/04/2015 |
| 26/02/2015 | 1.60% | 1.50% | 0.10% | 30/03/2015 |
| 28/08/2014 | 1.75% | 1.50% | 0.25% | 25/02/2015 |
| 31/07/2014 | 2% | 1.50% | 0.50% | 27/08/2014 |
| 27/02/2014 | 2.25% | 1.50% | 0.75% | 30/07/2014 |
| 26/09/2013 | 2.50% | 1.50% | 1% | 26/02/2014 |
| 30/05/2013 | 2.75% | 1.50% | 1.25% | 25/09/2013 |
| 17/05/2013 | 3% | 1.50% | 1.50% | 29/05/2013 |
| 27/12/2012 | 3.25% | 1.50% | 1.75% | 16/05/2013 |
| 01/11/2012 | 3.50% | 1.50% | 2% | 26/12/2012 |
| 28/06/2012 | 3.75% | 1.50% | 2.25% | 31/10/2012 |
| 26/01/2012 | 4% | 1.50% | 2.50% | 27/06/2012 |
| 01/12/2011 | 4.25% | 1.50% | 2.75% | 25/01/2012 |
| 29/09/2011 | 4.50% | 1.50% | 3% | 30/11/2011 |
| 26/05/2011 | 4.75% | 1.50% | 3.25% | 28/09/2011 |
| 31/03/2011 | 4.50% | 1.50% | 3% | 25/05/2011 |
| 24/02/2011 | 4% | 1.50% | 2.50% | 30/03/2011 |
| 27/01/2011 | 3.75% | 1.50% | 2.25% | 23/02/2011 |
| 30/09/2010 | 3.50% | 1.50% | 2% | 26/01/2011 |
| 29/07/2010 | 3.25% | 1.50% | 1.75% | 29/09/2010 |
| 01/04/2010 | 3% | 1.50% | 1.50% | 28/07/2010 |
| 31/12/2009 | 2.75% | 1.50% | 1.25% | 31/03/2010 |
| 26/11/2009 | 2.50% | 1.50% | 1% | 30/12/2009 |
| 27/08/2009 | 2.25% | 1.50% | 0.75% | 25/11/2009 |
| 26/03/2009 | 2% | 1.50% | 0.50% | 26/08/2009 |
| 26/02/2009 | 2.25% | 1.50% | 0.75% | 25/03/2009 |
| 29/01/2009 | 2.50% | 1.50% | 1% | 25/02/2009 |
| 01/01/2009 | 3.25% | 1.50% | 1.75% | 28/01/2009 |
| 27/11/2008 | 4% | 1.50% | 2.50% | 31/12/2008 |
| 14/11/2008 | 4.50% | 1.50% | 3% | 26/11/2008 |
| 30/10/2008 | 5% | 1.50% | 3.50% | 13/11/2008 |
| 12/10/2008 | 5.25% | 1.50% | 3.75% | 29/10/2008 |
| 28/08/2008 | 5.75% | 1.50% | 4.25% | 11/10/2008 |
| 31/07/2008 | 5.50% | 1.50% | 4% | 27/08/2008 |
| 26/06/2008 | 5.25% | 1.50% | 3.75% | 30/07/2008 |
| 29/05/2008 | 5% | 1.50% | 3.50% | 25/06/2008 |
| 27/03/2008 | 4.75% | 1.50% | 3.25% | 28/05/2008 |
| 28/02/2008 | 5.25% | 1.50% | 3.75% | 26/03/2008 |
| 27/12/2007 | 5.75% | 1.50% | 4.25% | 27/02/2008 |
| 30/08/2007 | 5.50% | 1.50% | 4% | 26/12/2007 |
| 26/07/2007 | 5.25% | 1.50% | 3.75% | 29/08/2007 |
| 31/05/2007 | 5% | 1.50% | 3.50% | 25/07/2007 |
| 26/04/2007 | 5.25% | 1.50% | 3.75% | 30/05/2007 |
| 01/03/2007 | 5.50% | 1.50% | 4% | 25/04/2007 |
| 01/02/2007 | 5.75% | 1.50% | 4.25% | 28/02/2007 |
| 28/12/2006 | 6% | 1.50% | 4.50% | 31/01/2007 |
| 30/11/2006 | 6.50% | 1.50% | 5% | 27/12/2006 |
| 26/10/2006 | 6.75% | 1.50% | 5.25% | 29/11/2006 |
| 27/07/2006 | 7% | 1.50% | 5.50% | 25/10/2006 |
| 27/04/2006 | 6.75% | 1.50% | 5.25% | 26/07/2006 |
| 30/03/2006 | 6.50% | 1.50% | 5% | 26/04/2006 |
| 26/01/2006 | 6.25% | 1.50% | 4.75% | 29/03/2006 |
| 01/12/2005 | 6% | 1.50% | 4.50% | 25/01/2006 |
| 27/10/2005 | 5.50% | 1.50% | 4% | 30/11/2005 |
| 29/09/2005 | 5.25% | 1.50% | 3.75% | 26/10/2005 |
| 27/01/2005 | 5% | 1.50% | 3.50% | 28/09/2005 |
| 30/12/2004 | 5.20% | 1.50% | 3.70% | 26/01/2005 |
| 25/11/2004 | 5.40% | 1.50% | 3.90% | 29/12/2004 |
| 01/04/2004 | 5.60% | 1.50% | 4.10% | 24/11/2004 |
| 26/02/2004 | 5.80% | 1.50% | 4.30% | 31/03/2004 |
| 29/01/2004 | 6% | 1.50% | 4.50% | 25/02/2004 |
| 01/01/2004 | 6.30% | 1.50% | 4.80% | 28/01/2004 |
| 27/11/2003 | 6.70% | 1.50% | 5.20% | 31/12/2003 |
| 30/10/2003 | 7.10% | 1.50% | 5.60% | 26/11/2003 |
| 25/09/2003 | 7.60% | 1.50% | 6.10% | 29/10/2003 |
| 28/08/2003 | 8% | 1.50% | 6.50% | 24/09/2003 |
| 31/07/2003 | 8.50% | 1.50% | 7% | 27/08/2003 |
| 26/06/2003 | 9% | 1.50% | 7.50% | 30/07/2003 |
| 29/05/2003 | 9.50% | 1.50% | 8% | 25/06/2003 |
| 01/05/2003 | 9.90% | 1.50% | 8.40% | 28/05/2003 |
| 27/03/2003 | 10.20% | 1.50% | 8.70% | 30/04/2003 |
| 26/12/2002 | 10.40% | 1.50% | 8.90% | 26/03/2003 |
| 27/06/2002 | 10.60% | 1.50% | 9.10% | 25/12/2002 |
| 11/06/2002 | 8.60% | 1.50% | 7.10% | 26/06/2002 |
| 30/05/2002 | 7.10% | 1.50% | 5.60% | 10/06/2002 |
| 25/04/2002 | 6.10% | 1.50% | 4.60% | 29/05/2002 |
| 28/02/2002 | 5.90% | 1.50% | 4.40% | 24/04/2002 |
| 27/12/2001 | 5.30% | 1.50% | 3.80% | 27/02/2002 |
| 29/11/2001 | 7.30% | 1.50% | 5.80% | 26/12/2001 |
| 01/11/2001 | 7.60% | 1.50% | 6.10% | 28/11/2001 |
| 26/07/2001 | 7.80% | 1.50% | 6.30% | 31/10/2001 |
| 28/06/2001 | 8% | 1.50% | 6.50% | 25/07/2001 |
| 21/06/2001 | 8.30% | 1.50% | 6.80% | 27/06/2001 |
| 31/05/2001 | 8.50% | 1.50% | 7% | 20/06/2001 |
| 29/03/2001 | 8.70% | 1.50% | 7.20% | 30/05/2001 |
| 01/03/2001 | 9% | 1.50% | 7.50% | 28/03/2001 |
| 01/02/2001 | 9.20% | 1.50% | 7.70% | 28/02/2001 |
| 28/12/2000 | 9.50% | 1.50% | 8% | 31/01/2001 |
| 30/11/2000 | 9.70% | 1.50% | 8.20% | 27/12/2000 |
| 26/10/2000 | 9.90% | 1.50% | 8.40% | 29/11/2000 |
| 28/09/2000 | 10.10% | 1.50% | 8.60% | 25/10/2000 |
| 31/08/2000 | 10.40% | 1.50% | 8.90% | 27/09/2000 |
| 27/07/2000 | 10.60% | 1.50% | 9.10% | 30/08/2000 |
| 27/04/2000 | 10.80% | 1.50% | 9.30% | 26/07/2000 |
| 30/03/2000 | 11.10% | 1.50% | 9.60% | 26/04/2000 |
| 24/02/2000 | 11.40% | 1.50% | 9.90% | 29/03/2000 |
| 27/01/2000 | 11.80% | 1.50% | 10.30% | 23/02/2000 |
| 30/12/1999 | 12.20% | 1.50% | 10.70% | 26/01/2000 |
| 25/11/1999 | 12.70% | 1.50% | 11.20% | 29/12/1999 |
| 29/07/1999 | 13% | 1.50% | 11.50% | 24/11/1999 |
| 29/04/1999 | 13.50% | 1.50% | 12% | 28/07/1999 |
| 01/04/1999 | 14% | 1.50% | 12.50% | 28/04/1999 |
| 25/02/1999 | 14.50% | 1.50% | 13% | 31/03/1999 |
| 15/11/1998 | 15% | 1.50% | 13.50% | 24/02/1999 |
| 29/10/1998 | 13% | 1.50% | 11.50% | 14/11/1998 |
| 09/08/1998 | 11% | 1.50% | 9.50% | 28/10/1998 |
| 30/07/1998 | 12.50% | 1.50% | 11% | 08/08/1998 |
| 25/06/1998 | 12.80% | 1.50% | 11.30% | 29/07/1998 |
| 28/05/1998 | 13.10% | 1.50% | 11.60% | 24/06/1998 |
| 30/04/1998 | 13.40% | 1.50% | 11.90% | 27/05/1998 |
| 26/03/1998 | 13.70% | 1.50% | 12.20% | 29/04/1998 |
| 26/03/1998 | 13.70% | 1.50% | 12.20% | 29/04/1998 |
| 29/01/1998 | 14.40% | 1.50% | 12.90% | 25/02/1998 |
| 01/10/1997 | 14.90% | 1.50% | 13.40% | 28/01/1998 |
