Mortgage Requirements


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Mortgage Banks in Israel can lend up to 75% of the value of a property for Israeli citizens and up to 50% for non-Israelis. 
 
The banks will require the property to be appraised and the LTV (Loan to value) will be according to the appraisal or the purchase price (whichever is lower).
 
Most banks will lend up to age 75 or 80 with a 30 year mortgage being the maximum loan term.
 
In order to receive pre-approval for a mortgage, the banks require copies of the following documentation:
 
Israeli residents:
  • Teudat Zehut (with Sefach)
  • Last 3 months salary slips
  • Last 3 months bank account statements
  • Previous years tax return (if self employed or living outside Israel)
  • Accountants letter stating current years income (if self employed or living outside Israel)
 
Non – Israeli residents:
  • Two forms of ID (passport and drivers license)
  • Previous years tax return
  • Accountants letter stating current years income
  • Last 3 months bank account statements
  • Credit Report
  • Credit score (for US and UK clients only)

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