הלוואת זכאות הינה הלוואה מסובסדת ע"י המדינה אשר ניתנת בתמהיל המשכנתא בזמן רכישת דירתנו הראשונה תוך מספר קריטריונים ברורים של מי זכאי ולאיזה סכום כסף.
למעשה על מנת להיות זכאי ישנו צורך לצבור סך של 600 נקודות ומעלה כאשר כל ניקוד מעל 600 מגדיל את הסכום לו אנו זכאים במסלול זה
חלק מהקריטריונים הם דירה ראשונה של הלווים, שנות נישואין, מס' אחים ואחיות המתגוררים בארץ, חודשי שרות צבאי/לאומי וכו'…
כפי שנכתב הלוואת זכאות הינה מסלול במשכנתא, מסלול זה יוגדר קבוע צמוד מדד (על יתרונותיו וחסרונותיו) כאשר הריבית בו תהיה כ- 0.5% פחות מהריבית הממוצעת בכל תקופה ובכל מקרה לא יותר מ 3%
ריבית הלוואות זכאות - במסלול קבועה צמוד מדד
| תאריך | עד 10 | עד 15 | עד 20 | עד 25 | מעל 25 |
|---|---|---|---|---|---|
| 01/03/2025 | 2.06% | 2.25% | 2.36% | 2.41% | 2.62% |
| 01/02/2025 | 2.45% | 2.33% | 2.50% | 2.55% | 2.66% |
| 01/01/2025 | 2.46% | 2.39% | 2.54% | 2.53% | 2.72% |
| 01/12/2024 | 2.29% | 2.32% | 2.46% | 2.485 | 2.62% |
| 01/11/2024 | 2.45% | 2.30% | 2.54% | 2.63% | 2.74% |
| 01/10/2024 | 2.31% | 2.35% | 2.41% | 2.65% | 2.72% |
| 01/09/2024 | 2.20% | 2.34% | 2.48% | 2.53% | 2.73% |
| 01/08/2024 | 2.15% | 2.34% | 2.50% | 2.59% | 2.77% |
| 01/07/2024 | 2.20% | 2.32% | 2.52% | 2.66% | 2.77% |
| 01/06/2024 | 2.17% | 2.26% | 2.46% | 2.51% | 2.64% |
| 01/05/2024 | 2.17% | 2.18% | 2.29% | 2.46% | 2.62% |
| 01/04/2024 | 2.08% | 2.10% | 2.30% | 2.36% | 2.59% |
| 01/03/2024 | 2.15% | 2.16% | 2.35% | 2.43% | 2.61% |
| 01/02/2024 | 2.38% | 2.34% | 2.41% | 2.54% | 2.72% |
| 01/01/2024 | 2.34% | 2.41% | 2.64% | 2.78% | 2.82% |
| 01/12/2023 | 2.56% | 2.54% | 2.59% | 2.82% | 2.89% |
| 01/11/2023 | 2.57% | 2.58% | 2.71% | 2.83% | 2.88% |
| 01/10/2023 | 2.62% | 2.32% | 2.47% | 2.63% | 2.73% |
| 01/09/2023 | 2.68% | 2.40% | 2.62% | 2.68% | 2.80% |
| 01/08/2023 | 2.34% | 2.39% | 2.47% | 2.46% | 2.62% |
| 01/07/2023 | 2.48% | 2.36% | 2.49% | 2.63% | 2.66% |
| 01/06/2023 | 2.46% | 2.37% | 2.57% | 2.69% | 2.77% |
| 01/05/2023 | 2.57% | 2.41% | 2.59% | 2.73% | 2.76% |
| 01/04/2023 | 2.48% | 2.42% | 2.56% | 2.61% | 2.68% |
| 01/03/2023 | 2.45% | 2.37% | 2.51% | 2.54% | 2.60% |
| 01/02/2023 | 2.38 | 2.28 | 2.41 | 2.49 | 2.57 |
| 01/01/2023 | 2.37% | 2.33% | 2.48% | 2.57% | 2.60% |
| 01/12/2022 | 2.20% | 2.24% | 2.41% | 2.45% | 2.56% |
| 01/11/2022 | 2.11% | 2.22% | 2.45% | 2.55% | 2.59% |
| 01/10/2022 | 1.99% | 2.12% | 2.35% | 2.47% | 2.56% |
| 01/09/2022 | 1.80% | 1.94% | 2.25% | 2.27% | 2.47% |
| 01/08/2022 | 1.65% | 1.98% | 2.17% | 2.30% | 2.46% |
| 01/07/2022 | 1.57% | 1.85% | 2.13% | 2.28% | 2.39% |
| 01/06/2022 | 1.40% | 1.62% | 1.96% | 2.12% | 2.31% |
| 01/05/2022 | 1.16% | 1.38% | 1.71% | 1.89% | 2.14% |
| 01/04/2022 | 1.06% | 1.30% | 1.53% | 1.77% | 2.06% |
| 01/03/2022 | 1.01% | 1.27% | 1.48% | 1.71% | 1.95% |
| 01/02/2022 | 0.92% | 1.20% | 1.41% | 1.66% | 1.94% |
| 01/01/2022 | 0.92% | 1.20% | 1.42% | 1.66% | 1.96% |
| 01/12/2021 | 0.89% | 1.25% | 1.44% | 1.65% | 1.92% |
| 01/11/2021 | 1.07% | 1.34% | 1.55% | 1.78% | 2.08% |
| 01/10/2021 | 1.17% | 1.35% | 1.57% | 1.87% | 2.14% |
| 01/09/2021 | 1.14% | 1.38% | 1.55% | 1.80% | 2.10% |
| 01/08/2021 | 1.01% | 1.32% | 1.58% | 1.81% | 2.14% |
| 01/07/2021 | 1.11% | 1.34% | 1.58% | 1.84% | 2.18% |
| 01/06/2021 | 1.14% | 1.36% | 1.61% | 1.85% | 2.16% |
| 01/05/2021 | 1.24% | 1.39% | 1.69% | 1.92% | 2.20% |
| 01/04/2021 | 1.28% | 1.49% | 1.79% | 1.99% | 2.27% |
| 01/03/2021 | 1.25% | 1.55% | 1.74% | 2.02% | 2.29% |
| 01/02/2021 | 1.27% | 1.55% | 1.76% | 2.03% | 2.30% |
| 01/01/2021 | 1.50% | 1.64% | 1.90% | 2.20% | 2.45% |
| 01/12/2020 | 1.58% | 1.66% | 1.91% | 2.24% | 2.60% |
| 01/11/2020 | 1.66% | 1.66% | 1.91% | 2.32% | 2.51% |
| 01/10/2020 | 1.56% | 1.65% | 1.85% | 2.32% | 2.47% |
| 01/09/2020 | 1.59% | 1.68% | 1.90% | 2.24% | 2.45% |
| 01/08/2020 | 1.62% | 1.66% | 1.90% | 2.29% | 2.54% |
| 01/07/2020 | 1.71% | 1.80% | 2.03% | 2.37% | 2.64% |
| 01/06/2020 | 1.76% | 1.86% | 2.11% | 2.58% | 2.70% |
| 01/05/2020 | 1.87% | 1.89% | 2.16% | 2.60% | 2.77% |
| 01/04/2020 | 1.65% | 1.83% | 2.20% | 2.52% | 2.77% |
| 01/03/2020 | 1.29% | 1.49% | 1.78% | 2.29% | 2.55% |
| 01/02/2020 | 1.36% | 1.52% | 1.82% | 2.25% | 2.51% |
| 01/01/2020 | 1.46% | 1.61% | 1.90% | 2.38% | 2.57% |
| 01/12/2019 | 1.35% | 1.60% | 1.91% | 2.40% | 2.67% |
| 01/11/2019 | 1.47% | 1.66% | 2.05% | 2.46% | 2.80% |
| 01/10/2019 | 1.43 | 1.73% | 2.04% | 2.51% | 2.86% |
| 01/09/2019 | 1.44% | 1.76% | 2.13% | 2.58% | 2.78% |
| 01/08/2019 | 1.54% | 1.85% | 2.28% | 2.64% | 2.82% |
| 01/07/2019 | 1.54% | 1.89% | 2.37% | 2.75% | 2.95% |
| 01/06/2019 | 1.54% | 1.97% | 2.39% | 2.81% | 2.93% |
| 01/05/2019 | 1.66% | 2.15% | 2.48% | 2.84% | 3.00% |
| 01/04/2019 | 1.83% | 2.16% | 2.62% | 3.00% | 3.00% |
| 01/03/2019 | 1.93% | 2.26% | 2.77% | 3.00% | 3.00% |
| 01/02/2019 | 2.07% | 2.33% | 2.82% | 3.00% | 3.00% |
| 01/01/2019 | 2.11% | 2.37% | 2.86% | 3.00% | 3.00% |
| 01/12/2018 | 2% | 2.34% | 2.77% | 3.00% | 3.00% |
| 01/11/2018 | 2% | 2.34% | 2.79% | 3.00% | 3.00% |
| 01/10/2018 | 1.94% | 2.28% | 2.81% | 3.00% | 3.00% |
| 01/09/2018 | 1.86% | 2.27% | 2.69% | 3.00% | 3.00% |
| 01/08/2018 | 1.92% | 2.29% | 2.70% | 3.00% | 3.00% |
| 01/07/2018 | 1.90% | 2.18% | 2.67% | 2.97% | 3.00% |
| 01/06/2018 | 1.89% | 2.18% | 2.66% | 3.00% | 3.00% |
| 01/05/2018 | 1.82% | 2.18% | 2.68% | 3.00% | 3.00% |
| 01/04/2018 | 1.85% | 2.25% | 2.65% | 2.96% | 3.00% |
| 01/03/2018 | 1.93% | 2.28% | 2.69% | 3.00% | 3.00% |
| 01/02/2018 | 2.14% | 2.39% | 2.67% | 3.00% | 3.00% |
| 01/01/2018 | 1.96% | 2.26% | 2.85% | 3.00% | 3.00% |
| 01/12/2017 | 2.01% | 2.35% | 2.89% | 3.00% | 3.00% |
| 01/11/2017 | 2.20% | 2.47% | 2.98% | 3.00% | 3.00% |
| 01/10/2017 | 2.30% | 2.60% | 3.00% | 3.00% | 3.00% |
| 01/09/2017 | 2.39% | 2.58% | 3.00% | 3.00% | 3.00% |
| 01/08/2017 | 2.31% | 2.69% | 3.00% | 3.00% | 3.00% |
| 01/07/2017 | 2.32% | 2.71% | 3.00% | 3.00% | 3.00% |
| 01/06/2017 | 2.21% | 2.72% | 3.00% | 3.00% | 3.00% |
| 01/05/2017 | 2.42% | 2.79% | 3.00% | 3.00% | 3.00% |
| 01/04/2017 | 2.54% | 2.84% | 3.00% | 3.00% | 3.00% |
| 01/03/2017 | 2.53% | 2.97% | 3.00% | 3.00% | 3.00% |
| 01/02/2017 | 2.62% | 2.94% | 3.00% | 3.00% | 3.00% |
| 01/01/2017 | 2.52% | 2.91% | 3.00% | 3.00% | 3.00% |
| 01/12/2016 | 2.52% | 2.83% | 3.00% | 3.00% | 3.00% |
| 01/11/2016 | 2.46% | 2.78% | 3.00% | 3.00% | 3.00% |
| 01/10/2016 | 2.33% | 2.63% | 3.00% | 3.00% | 3.00% |
| 01/09/2016 | 2.25% | 2.70% | 3.00% | 3.00% | 3.00% |
| 01/08/2016 | 2.13% | 2.49% | 2.81% | 3.00% | 3.00% |
| 01/07/2016 | 2.09% | 2.40% | 2.74% | 3.00% | 3.00% |
| 01/06/2016 | 2.01% | 2.27% | 2.56% | 2.83% | 3.00% |
| 01/05/2016 | 1.90% | 2.22% | 2.53% | 2.85% | 2.93% |
| 01/03/2016 | 1.96% | 2.32% | 2.59% | 2.78% | 2.85 |
