In January 2026, Israel's mortgage market experienced a significant drop compared to December 2025, with mortgages totaling 8.68 billion shekels, a 22.3% decrease. However, this figure remains close to the 2025 monthly average of approximately 9 billion shekels. This performance is noteworthy despite the slowdown in the real estate market. The Mortgage Advisors Association noted an increase in variable-rate indexed loans, while fixed-rate non-indexed loans have decreased. Housing prices in cities such as Herzliya, Ramat Hasharon, Tel Aviv, and Givatayim are expected to continue declining over the next five years, presenting buying opportunities at reduced prices for those who can wait.
