Mortgage Assistance for Olim Buying a Home

Step-by-Step Instructions

1. 1

   In brief

   Olim who hold a valid Teudat Oleh and are classified as without an apartment may receive a mortgage for a period of 15 years from their date of Aliyah.

   • You can choose whether to receive the assistance under the Olim-specific terms, or under the terms set for veteran families and individuals.
   • For general information on mortgage assistance conditions, see the Receiving a mortgage for eligible applicants guide.
2. 2

   Who is eligible?

   The following people are eligible, provided they hold a valid Teudat Oleh and are classified as without an apartment:

   • Families
   • Single-parent families (families headed by an independent parent)
   • Individuals

   The eligibility period lasts 15 years from the date of Aliyah.

3. 3

   How to claim your entitlement

   To receive housing assistance, you'll need a valid eligibility certificate issued jointly by the Ministry of Construction and Housing and the Ministry of Aliyah and Integration (Misrad HaKlita).

   • The certificate lists all family members registered on the same Teudat Oleh who are jointly applying for housing assistance.
   • The eligibility certificate is issued for a fixed period — usually 1 year only — and is subject to your remaining within the Oleh eligibility period.

   To obtain your eligibility certificate, go to one of the mortgage banks and bring the following documents:

   • Teudat Oleh
   • Identity documents
   • IDF service confirmation
   • Marriage certificate (for married couples)
4. 4

   Mortgage amount

   The mortgage amount depends on the collateral the bank requires and is subject to the Bank of Israel directive requiring a minimum equity contribution of at least 25% of the apartment purchase price. The amount is determined by your points score, as follows:

   • Families in their first year in Israel receive assistance (by automatic scoring) of at least 1,700 points.
   • Families who have been in Israel for more than one year receive assistance (by automatic scoring) of at least 1,800 points.
     • Depending on their situation, families may be entitled to additional assistance on top of their automatic score.
     • For more on assistance for Olim families, see the Ministry of Construction and Housing website.
   • Individual Olim aged 21 and over are entitled to a guaranteed loan (by automatic scoring) of 600 points, plus additional points depending on their situation.
     • Individual Olim over the age of 45 receive an additional 400 points.
     • In all cases, the total points score for an individual cannot exceed 1,690 points.
     • For more on assistance for individual Olim, see the Ministry of Construction and Housing website.
   • A veteran resident and an Oleh living together accumulate points based on the Oleh's length of residence in Israel and their number of children, plus a fixed entitlement of 700 points.
     • If the Oleh is aged 45 or over, an additional 400 points are added.
   • Single-parent families receive an automatic additional score that varies according to their length of residence in Israel and their length of time as a single-parent family. For more information, see the guide on mortgage assistance for single parents.
   • Olim who completed IDF regular service or national service are entitled to an additional supplement based on the number of months served.
   • Olim may join a first-degree relative in purchasing an apartment together. The joining party is entitled to 80% of the total mortgage calculated by their points score.
5. 5

   Olim with disabilities

   An additional 200 points are added if you meet any one of the following:

   • You hold a permanent blindness/visual impairment certificate.
   • You hold a certificate from the National Insurance Institute (Bituach Leumi), Ministry of Defence, or Ministry of Health confirming a permanent disability of 75% or more, a stable incapacity rating of 75% or more, or a mobility impairment of 75% or more.

   In addition, a minimum points threshold applies:

   • For individuals in these cases, the total score will be no less than 1,500 points and no more than 1,890 points.
   • For families in these cases, the total score will be no less than 1,900 points.

   Families will be entitled to 2,200 points in the following cases:

   • The family includes two people with disabilities meeting the definitions above.
   • The family includes a person with a disability who holds a certificate from the District Health Bureau confirming at least 80% disability and permanent wheelchair dependency.

   Individuals who hold a certificate from the District Health Bureau confirming at least 80% disability and permanent wheelchair dependency are entitled to 2,000 points.

6. 6

   Assisting bodies

   Government hotlines:

   Name	Website	Phone
   Ministry of Aliyah and Integration (Misrad HaKlita)	gov.il	*2994
   Rent Assistance Hotline for Olim	gov.il	*2310
   Shall (Citizens' Advice Service)	gov.il	118
   Central Government Response Centre	gov.il	1299

   Support organisations:

   • List of housing support organisations
   • List of organisations helping new Olim

   Government bodies:

   Body	Responsibilities	Relevant rights and topics
   Ministry of Construction and Housing (hotline *5442)	Responsible for housing and residential construction in Israel, with a focus on enabling all population groups to find suitable housing at reasonable prices, with an emphasis on disadvantaged populations.	Provides housing assistance to weaker population groups.
   Ministry of Aliyah and Integration (Misrad HaKlita, *2994)	Responsible for assisting Olim from initial organisation through integration into all areas of Israeli life, including employment promotion, financial assistance, and housing solutions.	Housing solutions for Olim.
   Israel Tax Authority — Real Estate Taxation Office; Ministry of Justice — Land Registration and Settlement Authority; Israel Land Authority	All three bodies manage and supervise state-owned land, and collect taxes and fees for transactions involving such land.	When purchasing land or an apartment, the authority may grant tax concessions to special populations.
   National Insurance Institute (Bituach Leumi, *6050)	Provides an economic safety net for vulnerable populations and families facing temporary or prolonged hardship, through allowances including old age, survivors, maternity, children, work injuries, general disability, nursing care, unemployment, and bankruptcy.	In certain cases, recipients of these allowances may be entitled to housing assistance.