1The Real Interest Rate Map (2026 Overview)
To make sound financial decisions, you must understand the numbers. Despite alarming headlines, the market has stabilized—but at a significantly higher level than the previous decade.
Prime Rate Anchor
5.5%
What it means: Every Prime-linked loan and every overdraft facility starts from this base.
The impact: Consumer loans are typically priced at Prime + 4% to Prime + 11%. Effective consumer interest rate: 9.5% - 16%.
The Opportunity: This gap is precisely why consolidating loans into a mortgage is the most compelling financial move available.
Mortgage Rates (Indexed & Non-Indexed)
4.5% - 5.2%
Long-term mortgage rates (20-30 years) have stabilized. While not the 3% of 2020, this is still the cheapest money available in the Israeli market.
Therefore, a mortgage is our primary tool for financial rehabilitation and debt consolidation.
Comparison Table: Interest Cost by Loan Type
| Loan Type | Interest Rate | Term | Payment on ₪100,000 |
|---|---|---|---|
| Bank Mortgage | 4.5% - 5.2% | 25 years | ~₪550/month |
| Non-Bank Mortgage | 5% - 7% | 15-20 years | ~₪750/month |
| Bank Consumer Loan | 9% - 14% | 5 years | ~₪2,100/month |
| Credit Card / Overdraft | 12% - 18% | No end date | ~₪1,500/month (interest only!) |
Want to know how much you could save each month?
2The Credit Data Revolution (BDI)
In 2019, the new Credit Data Law came into effect, fundamentally changing the rules of the game. Banks no longer rely on personal relationships—they depend on cold algorithms.
What is BDI (Credit Bureau Score)?
BDI is Israel's equivalent of a FICO score in the United States. It is a numerical representation of your creditworthiness based on your financial behavior. The banking system operates on a "traffic light" system:
Green Light
Client is creditworthy—banks compete for your business
Red Light (Negative BDI)
Automatic rejection by banking computer systems
What Causes a Negative Credit Score?
Bounced Checks
The most common cause. 5 bounced checks per year = "black flag"
Loan Payment Delays
Non-payment of debt beyond a certain period
Enforcement Office Files (Hotza LaPoal)
Even small debts that became open enforcement cases
Restricted Bank Account
Recorded and stored for years
3Company Profile – RealFix Finance Ltd.
In a world of algorithms, we are the professional human factor.
History & Stability
The group's operations began back in 1999, born from a real need for creative financing solutions.
In 2008, operations were incorporated as a limited company. Our extensive track record enables deep familiarity with the banking system.
Business Model: Objective Advisory
Important clarification: RealFix does not provide loans.
We are a financial consulting and strategy firm. Our role is to represent clients to financial institutions. We sit on YOUR side of the table.
4Real Success Story
The Cohen Family: From Negative BDI to ₪1.8 Million Mortgage
Initial Situation:
- • Yossi (45) and Ronit (42), two children
- • Yossi is a small business owner with 3 bounced checks from COVID period
- • BDI Score: 3 (negative)
- • Consumer loans: ₪180,000 at 13% interest
- • Monthly payment: ₪8,500 (crushing burden)
- • 3 banks had already rejected their mortgage application
Result (After 8 Months):
- • Mortgage from Harel Insurance: ₪1.8 million
- • Interest rate: 5.2% (instead of 13%)
- • All consumer loans consolidated
- • New monthly payment: ₪4,200
- • Savings: ₪4,300 per month!
- • After two years: Refinanced to regular bank at 4.5%
"We came to RealFix after we had already given up. Shay and the team built us a precise plan, and today we are saving more than ₪50,000 per year."
— Yossi C., Ashdod