עוגן אג"ח צמודה מזרחי

משכנתא צמודה על בסיס ה – אג"ח משתייכת למסלולי הלוואות המשכנתא המוגדרות "ריבית המשתנה". כאשר ה – אג"ח מהווה את עוגן הבסיס לקביעת הריבית. משכנתא בריבית משכנתא על בסיס אג"ח מתייחס לעוגן אג"ח על בסיס גליל.

ה – אג"ח משתנה פעמים בחודש בתאריכים 11 ו 26 בהתאמה. בעמוד זה טבלה עם נתוני ה – אג"ח הצמודות למדד – מזרחי טפחות. באופן כללי, אג"ח ממשלתיות מאופיין בשל יציבות יחסית ואפיק השקעה סולידי.

נקודת השינוי בריבית בהלוואות המשכנתא בריביות המשתנות על בסיס ה – אג"ח יקבעו מראש בין הלווה לגוף המממן. לדוגמא:

  • משתנה כל שנה צמודה על בסיס ה אג"ח
  • משתנה כל שנתיים צמודה על בסיס ה אג"ח
  • משתנה כל שנתיים וחצי צמודה על בסיס ה אג"ח
  • משתנה כל שלוש צמודה על בסיס ה אג"ח
  • משתנה כל ארבע צמודה על בסיס ה אג"ח
  • משתנה כל חמש צמודה על בסיס ה אג"ח
  • משתנה כל שבע צמודה על בסיס ה אג"ח
  • משתנה חצי קבועה צמודה על בסיס ה אג"ח

בנקודת השינוי בריבית, הריבית תשתנה ביחס לעוגן אג"ח באותה נקודת זמן של השינוי בריבית בתוספת למרווח שנקבע מראש.

ריבית % = מרווח (קבועה לתקופה) +/- עוגן אג"ח (משתנה בכל נקודת זמן)

חשוב מאוד

השימוש במידע המופיע בעמוד זה הינו באחריות הגולש בלבד.

טבלת עוגן אג"ח צמודה מזרחי

ריבית משתנה על בסיס האג"ח צמודות
תאריך עדכוןשנה2.5 שנים5 שנים7 שנים10 שנים
11/10/20241.30%1.63%1.87%2.00%2.14%
26/09/20241.30%1.58%1.91%2.07%2.22%
11/09/20241.23%1.51%1.77%1.89%2.04%
26/08/20241.44%1.52%1.73%1.86%2.02%
11/08/20241.32%1.49%1.81%1.95%2.09%
26/07/20241.51%1.60%1.78%1.92%2.05%
11/07/20241.54%1.72%2.00%2.14%2.28%
26/06/20241.45%1.62%1.88%2.02%2.18%
11/06/20241.16%1.46%1.83%1.99%2.17%
26/05/20241.22%1.37%1.64%1.78%1.92%
11/05/20241.15%1.31%1.55%1.71%1.87%
26/04/20241.03%1.25%1.57%1.77%1.92%
11/04/20240.95%1.14%1.42%1.57%1.68%
26/03/20240.98%1.11%1.36%1.50%1.59%
11/03/20240.88%1.02%1.25%1.41%1.50%
26/02/20240.87%0.99%1.29%1.49%1.59%
11/02/20240.33%1.01%1.30%1.49%1.60%
26/01/20240.14%1.11%1.31%1.52%1.64%
11/01/20240.82%1.13%1.20%1.38%1.49%
26/12/20231.10%1.20%1.25%1.37%1.45%
11/12/20231.18%1.36%1.49%1.62%1.68%
26/11/20231.50%1.50%1.60%1.74%1.83%
11/11/20231.16%1.45%1.65%1.81%1.94%
26/10/20231.15%1.33%1.47%1.60%1.68%
11/10/20231.89%1.65%1.51%1.54%1.53%
26/09/20231.69%1.46%1.29%1.31%1.32%
11/09/20231.77%1.37%1.22%1.24%1.27%
26/08/20231.85%1.35%1.26%1.29%1.29%
11/08/20231.80%1.20%1.11%1.14%1.14%
26/07/20231.84%1.31%1.05%1.01%1.00%
11/07/20231.64%1.27%1.08%1.05%1.04%
26/06/20231.58%1.38%1.14%1.10%1.08%
11/06/20231.16%1.19%1.10%1.13%1.14%
26/05/20231.35%1.19%1.02%1.04%1.07%
11/05/20231.20%1.18%1.06%1.07%1.11%
26/04/20231.13%1.18%1.10%1.12%1.15%
11/04/20230.78%1.05%0.96%0.96%1.01%
26/03/20230.67%1.13%1.03%1.04%1.05%
11/03/20230.54%1.20%1.16%1.16%1.13%
26/02/20230.79%0.93%0.86%0.84%0.81%
11/02/20231.03%0.90%0.73%0.70%0.69%
26/01/20231.04%0.87%0.70%0.66%0.63%
11/01/20230.68%0.85%0.86%0.86%0.84%
26/12/20220.62%0.74%0.76%0.74%0.72%
11/12/20220.44%0.63%0.66%0.66%0.65%
26/11/20220.20%0.42%0.52%0.55%0.57%
11/11/2022-0.13%0.29%0.48%0.53%0.57%
26/10/2022-0.30%0.35%0.60%0.68%0.76%
11/10/2022-0.30%0.25%0.51%0.58%0.68%
26/09/2022-0.84%-0.21%0.19%0.36%0.48%
11/09/2022-0.85%-0.130.14%0.22%0.41%
26/08/2022-0.96%-0.45-0.25%-0.13%0.15%
11/08/2022-1.67%-0.78-0.47%-0.24%0.07%
26/07/2022-1.81%-0.76%-0.20%0.05%0.26%
11/07/2022-1.97%-0.81%-0.23%0.02%0.24%
26/06/2022-1.94%-0.70%0.06%0.33%0.56%
11/06/2022-2.16%-1.14%-0.45%-0.13%0.21%
26/05/2022-2.15%-1.41%-0.63%-0.22%0.14%
11/05/2022-2.79%-2.02%-1.10%-0.58%-0.23%
26/04/2022-2.78%-2.12%-1.18%-0.71%-0.38%
11/04/2022-3.21%-2.15%-1.40%-1.93%-0.50%
26/03/2022-3.56%-2.58%-1.66%-1.14%-0.64%
11/03/2022-3.61%-2.58%-1.76%-1.20%-0.69%
26/02/2022-2.73%-2.21%-1.60%-1.19%-0.68%
11/02/2022-2.57%-2.17%-1.58%-1.30%-0.88%
11/01/2022-2.61%-2.51%-2.07%-1.75%-1.30%
11/01/2022-2.61%-2.51%-2.07%-1.75%-1.30%
26/12/2021-2.40%-2.38%-2.03%-1.72%-1.28%
11/12/2021-2.26%-2.29%-1.94%-1.68%-1.30%
26/11/2021-2.52%-2.36%-1.89%-1.62%-1.21%
11/11/2021-2.70%-2.41%-1.89%-1.56%-1.10%
26/10/2021-2.67%-2.49%-1.89%-1.55%-1.05%
11/10/2021-2.43%-2.30%-1.80%-1.46%-0.91%
26/09/2021-2.28%-2.18%-1.79%-1.44%-0.92%
11/09/2021-2.22%-2.05%-1.75%-1.41%-0.92%
26/08/2021-1.96%-1.91%-1.59%-1.26%-0.80%
11/08/2021-2.04%-1.91%-1.56%-1.24%-0.78%
26/07/2021-1.93%-1.80%-1.44%-1.10%-0.68%
11/07/2021-1.90%-1.75%-1.39%-1.05%-0.64%
26/06/2021-1.98%-1.84%-1.39%-1.06%-0.66%
11/06/2021-2.09%-1.92%-1.44%-1.09%-0.69%
26/05/2021-2.04%-1.92%-1.52%-1.18%-0.71%
11/05/2021-1.89%-.1.69%-1.33%-1.01%-0.55%
26/04/2021-1.69%-1.50%-1.17%-0.91%-0.47%
11/04/2021-1.84%-1.60%-1.21%-0.93%-0.50%
26/03/2021-1.62%-1.45%-1.13%-0.88%-0.49%
11/03/2021-1.54%-1.43%-1.18%-0.90%-0.57%
26/02/2021-1.37%-1.32%-1.10%-0.82%-0.53%
11/02/2021-1.06%-0.99%-1.07%-0.91%-0.69%
26/01/2021-0.86%-0.99%-1.07%-0.93%-0.71%
11/01/2021-0.45%-0.77%-0.95%-0.84%-0.64%
26/12/2020-0.08%-0.61%-0.79%-0.73%-0.53%
11/12/20200.21%-0.50%-0.70%-0.67%-0.51%
26/11/20200.33%-0.39%-0.63%-0.61%-0.45%
11/11/20200.43%-0.22%-0.48%-0.49%-0.37%
26/10/20200.47%-0.26%-0.53%-0.53%-0.44%
11/10/20200.64%-0.14%-0.44%-0.48%-0.42%
26/09/20200.35%-0.36%-0.55%-0.60%-0.56%
11/09/2020-0.03%-0.52%-0.70%-0.74%-0.66%
26/08/20200.04%-0.46%-0.62%-0.69%-0.62%
11/08/20200.15%-0.27%-0.44%-0.55%-0.51%
26/07/20200.12%-0.19%-0.38%-0.48%-0.48%
11/07/2020-0.05%-0.22%-0.53%-0.63%-0.61%
26/06/2020-0.29%-0.57%-0.75%-0.74%-0.63%
11/06/2020-0.60%-0.68%-0.75%-0.68%-0.58%
26/05/20200.24%-0.27%-0.52%-0.52%-0.43%
11/05/20201.09%0.08%-0.31%-0.37%-0.34%
26/04/20200.90%-0.08%-0.43%-0.46%-0.42%
11/04/20201.04%0.12%-0.11%-0.09%-0.08%
26/03/20201.37%0.72%0.43%0.32%0.18%
11/03/2020-0.73%-0.87%-0.91%-0.92%-0.81%
26/02/2020-1.09%-1.12%-0.99%-0.89%-0.69%
11/02/2020-0.81%-1.00%-0.87%-0.75%-0.55%
26/01/2020-0.89%-1.07%-0.93%-0.80%-0.60%
11/01/2020-0.87%-1.01%-0.89%-0.75%-0.53%
26/12/2019-0.59%-0.84%-0.79%-0.69%-0.49%
11/12/2019-0.39%-0.79%-0.79%-0.69%-0.45%
26/11/2019-0.67%-0.96%-0.84%-0.69%-0.42%
11/11/2019-0.95%-1.07%-0.93%-0.77%-0.51%
26/10/2019-0.86%-1.03%-0.96%-0.80%-0.54%
11/10/2019-0.61%-0.96%-0.97%-0.82%-0.54%
26/09/2019-0.74%-0.95%-0.85%-0.66%-0.34%
11/09/2019-0.70%-0.88%-0.79%-0.66%-0.39%
26/08/2019-0.77%-0.88%-0.82%-0.76%-0.48%
11/08/2019-0.90%-0.90%-0.84%-0.67%-0.31%
26/07/2019-0.86%-0.84%-0.68%-0.46%-0.05%
11/07/2019-0.76%-0.79%-0.56%-0.32%0.05%
26/06/2019-0.92%-0.89%-0.61%-0.37%-0.03%
11/06/2019-1.07%-0.96%-0.62%-0.34%0.01%
26/05/2019-1.19%-0.93%-0.48%-0.19%0.14%
11/05/2019-1.45%-0.95%-0.52%-0.24%0.11%
26/04/2019-1.51%-0.96%-0.52%-0.22%0.15%
11/04/2019-1.78%-1.10%-0.51%-0.16%0.21%
26/03/2019-1.57%-1.03%-0.46%-0.11%0.26%
11/03/2019-1.41%-0.97%-0.38%0%0.37%
26/02/2019-1.06%-0.80%-0.32%0.05%0.42%
11/02/2019-0.83%-0.67%-0.20%0.16%0.52%
26/01/2019-0.67%-0.58%-0.13%0.23%0.59%
11/01/2019-0.51%-0.41%0.08%0.41%0.74%
26/12/2018-0.59%-0.47%0.09%0.45%0.78%
11/12/2018-0.32%-0.32%0.16%0.49%0.81%
26/11/2018-0.63%-0.48%0%0.36%0.73%
11/11/2018-0.73%-0.53%-0.04%0.34%0.68%
26/10/2018-0.75%-0.58%-0.11%0.25%0.58%
11/10/2018-0.89%-0.64%-0.16%0.2%0.53%
26/09/2018-0.85%-0.61%-0.1%0.22%0.56%
11/09/2018-1.02%-0.75%-0.26%0.1%0.44%
26/08/2018-1.16%-0.85%-0.33%0.05%0.4%
11/08/2018-1.08%-0.75%-0.27%0.1%0.44%
26/07/2018-1.01%-0.75%-0.24%0.13%0.48%
11/07/2018-0.96%-0.7%-0.19%0.18%0.56%
26/06/2018-0.91%-0.74%-0.32%0.04%0.42%
11/06/2018-0.86%-0.71%-0.33%-0.01%0.37%
26/05/2018-1.01%-0.81%-0.36%0.02%0.42%
11/05/2018-1.13%-0.88%-0.38%-0.02%0.34%
26/04/2018-1.03%-0.86%-0.39%-0.04%0.32%
11/04/2018-0.91%-0.77%-0.37%-0.07%0.29%
26/03/2018-0.86%-0.72%-0.33%-0.01%0.35%
11/03/2018-0.93%-0.75%-0.34%-0.01%0.37%
26/02/2018-0.76%-0.64%-0.26%0.08%0.43%
11/02/2018-0.58%-0.56%-0.33%-0.03%0.25%
26/01/2018-0.44%-0.45%-0.37%-0.11%0.19%
11/01/2018-0.45%-0.45%-0.33%-0.06%0.28%
26/12/2017-0.45%-0.45%-0.25%0.04%0.36%
11/12/2017-0.4%-0.44%-0.26%0.05%0.4%
26/11/2017-0.29%-0.34%-0.21%0.08%0.42%
11/11/20170.1%-0.26%-0.15%0.14%0.46%
26/10/20170.79%-0.12%-0.06%0.19%0.47%
11/10/20171.12%-0.05%-0.11%0.15%0.47%
26/09/20170.81%-0.22%-0.18%0.09%0.41%
11/09/20170.6%-0.24%-0.21%0.03%0.36%
26/08/20170.58%-0.24%-0.22%0.05%0.41%
11/08/20170.49%-0.23%-0.12%0.14%0.5%
26/07/20170.44%-0.21%-0.04%0.22%0.5%
11/07/20170.61%-0.09%0.06%0.34%0.66%
26/06/20170.24%-0.24%0.01%0.34%0.64%
11/06/2017-0.14%-0.43%-0.13%0.21%0.55%
26/05/2017-0.16%-0.47%-0.16%0.2%0.55%
11/05/2017-0.15%-0.35%-0.04%0.29%0.63%
26/04/2017-0.05%-0.25%-0.02%0.32%0.68%
11/04/20170.19%-0.11%0.11%0.41%0.73%
26/03/20170.35%-0.05%0.13%0.43%0.76%
11/03/20170.36%-0.07%0.14%0.49%0.81%
26/02/20170.4%-0.06%0.08%0.41%0.7%
11/02/20170.49%-0.01%0.08%0.41%0.69%
26/01/20170.46%0.01%0.09%0.41%0.65%
11/01/20170.3%-0.02%0.08%0.4%0.62%
26/12/20160.17%-0.02%0.15%0.48%0.68%
11/12/20160.38%0.03%0.15%0.46%0.65%
26/11/20160.44%0.01%0.08%0.36%0.57%
11/11/20160.32%-0.03%0.03%0.26%0.46%
26/10/20160.39%0.02%0.08%0.28%0.48%
11/10/20160.5%0.07%0.04%0.24%0.42%
26/09/20160.4%0.01%-0.02%0.21%0.43%
11/09/20160.3%-0.03%-0.1%0.15%0.37%
26/08/20160.48%0.07%-0.03%0.18%0.36%
11/08/20160.33%-0.06%-0.16%0.05%0.27%
26/07/20160.03%-0.19%-0.27%-0.02%0.2%
11/07/2016-0.08%-0.17%-0.23%-0.01%0.23%
26/06/2016-0.15%-0.16%-0.17%0.05%0.31%
11/06/2016-0.17%-0.18%-0.17%0.06%0.32%
26/05/2016-0.24%-0.17%-0.19%0.01%0.26%
11/05/2016-0.6%-0.44%-0.35%-0.09%0.21%
26/04/2016-0.56%-0.4%-0.31%-0.04%0.27%
11/04/2016-0.34%-0.25%-0.17%0.11%0.41%
26/03/2016-0.22%-0.14%-0.13%0.09%0.38%
11/03/20160.13%0.03%-0.07%0.1%0.37%
26/02/20160.47%0.27%0.13%0.29%0.53%
11/02/20160.8%0.39%0.22%0.32%0.57%
26/01/20160.8%0.53%0.34%0.41%0.67%
11/01/20160.5%0.37%0.16%0.3%0.63%
26/12/20150.22%0.23%0.1%0.33%0.71%
11/12/20150.12%0.02%0.03%0.29%0.64%
26/11/20150.11%0.02%0.03%0.28%0.7%
11/11/20150.09%-0.04%-0.05%0.18%0.59%
26/10/20150.15%-0.07%-0.1%0.16%0.62%
11/10/20150.33%0.13%0.09%0.38%0.77%
26/09/20150.32%0.02%0.13%0.49%0.76%
11/09/20150.05%-0.12%-0.02%0.25%0.58%
26/08/2015-0.13%-0.19%-0.07%0.22%0.58%
11/08/2015-0.55%-0.42%-0.13%0.23%0.6%
26/07/2015-0.8%-0.67%-0.26%0.23%0.64%
11/07/2015-1%-0.69%-0.2%0.32%0.72%
26/06/2015-1.11%-0.79%-0.31%0.16%0.55%
11/06/2015-1.15%-0.91%-0.51%-0.04%0.33%
26/05/2015-1.33%-1.07%-0.65%-0.18%0.2%
11/05/2015-1.48%-1.1%-0.8%-0.46%-0.13%
26/04/2015-1.31%-1.06%-0.75%-0.46%-0.14%
11/04/2015-1.13%-0.9%-0.58%-0.29%-0.03%
26/03/2015-1.07%-0.88%-0.63%-0.31%0.02%
11/03/2015-0.93%-0.84%-0.65%-0.35%-0.01%
26/02/2015-0.65%-0.56%-0.46%-0.18%0.18%
11/02/2015-0.24%-0.2%-0.14%0.02%0.3%
26/01/2015-0.26%-0.23%-0.14%0.07%0.4%
11/01/2015-0.23%-0.11%0.03%0.31%0.67%
26/12/2014-0.29%-0.22%-0.01%0.34%0.74%
11/12/2014-0.44%-0.38%-0.24%0.12%0.56%
26/11/2014-0.26%-0.22%-0.15%0.18%0.57%
11/11/20140.04%-0.37%-0.28%0.05%0.46%
26/10/20140.46%-0.6%-0.4%0.03%0.47%
11/10/20140.42%-0.64%-0.34%0.14%0.58%
26/09/20140.22%-0.63%-0.21%0.23%0.66%
11/09/20140.11%-0.69%-0.21%0.21%0.58%
26/08/20140.37%-0.52%-0.05%0.35%0.69%
11/08/20140.24%-0.59%-0.1%0.28%0.67%
26/07/20140.01%-0.63%-0.12%0.29%0.72%
11/07/2014-0.27%-0.72%-0.1%0.29%0.73%
26/06/2014-0.34%-0.78%-0.14%0.28%0.76%
11/06/2014-0.35%-0.81%-0.16%0.3%0.84%
26/05/2014-0.74%-1.13%-0.3%0.27%0.9%
11/05/2014-1.12%-1.24%-0.25%0.37%1.06%
26/04/2014-1.05%-1.25%-0.27%0.36%1.04%
11/04/2014-1.16%-1.14%-0.2%0.4%1.09%
26/03/2014-0.99%-1.13%-0.28%0.35%1.09%
11/03/2014-0.65%-0.88%-0.09%0.52%1.24%
26/02/2014-0.5%-0.67%0.03%0.63%1.38%
11/02/2014-0.43%-0.6%0.11%0.73%1.46%
26/01/2014-0.47%-0.47%0.16%0.78%1.5%
11/01/2014-0.59%-0.42%0.22%0.82%1.55%
26/12/2013-0.64%-0.52%0.06%0.66%1.44%
11/12/2013-0.19%-0.33%0.03%0.64%1.44%
26/11/20130.08%-0.16%0.18%0.75%1.46%
11/11/20130.04%-0.12%0.25%0.82%1.54%
26/10/2013-0.06%-0.14%0.28%0.87%1.61%
11/10/2013-0.05%-0.13%0.33%0.93%1.68%
26/09/2013-0.13%-0.1%0.46%1.07%1.77%
11/09/2013-0.33%-0.06%0.55%1.17%1.82%
26/08/2013-0.37%-0.19%0.32%0.95%1.67%
11/08/2013-0.55%-0.3%0.23%0.84%1.52%
26/07/2013-0.57%-0.28%0.25%0.81%1.52%
11/07/2013-0.61%-0.29%0.3%0.85%1.54%
26/06/2013-0.78%-0.42%0.25%0.85%1.55%
11/06/2013-0.92%-0.52%0.08%0.68%1.32%
26/05/2013-0.63%-0.32%0.06%0.58%1.19%
11/05/2013-0.49%-0.17%0.12%0.62%1.23%
26/04/2013-0.7%-0.2%0.17%0.72%1.35%
11/04/2013-0.87%-0.26%0.28%0.86%1.49%
26/03/2013-1%-0.29%0.31%0.93%1.57%
11/03/2013-0.65%-0.15%0.31%0.86%1.48%
26/02/2013-0.43%-0.08%0.39%0.95%1.57%
11/02/2013-0.28%-0.1%0.45%0.95%1.54%
26/01/2013-0.23%-0.14%0.37%0.88%1.43%
11/01/2013-0.13%-0.14%0.33%0.81%1.34%
26/12/2012-0.07%-0.13%0.33%0.81%1.37%
11/12/20120.06%-0.08%0.45%0.95%1.55%
26/11/2012-0.03%-0.12%0.46%0.98%1.6%
11/11/2012-0.16%-0.18%0.44%1%1.65%
26/10/2012-0.37%-0.22%0.47%1.01%1.74%
11/10/2012-0.46%-0.23%0.53%1.13%1.81%
26/09/2012-0.61%-0.28%0.6%1.2%1.9%
11/09/2012-0.85%-0.35%0.51%1.11%1.81%
26/08/2012-0.7%-0.23%0.58%1.18%1.86%
11/08/2012-0.45%-0.2%0.43%1.01%1.73%
26/07/20120.15%0.16%0.71%1.25%1.89%
11/07/20120.31%0.33%0.97%1.48%2.08%
26/06/20120.01%0.18%0.94%1.47%2.08%
11/06/2012-0.04%0.22%0.93%1.43%2.02%
26/05/2012-0.07%0.32%1.02%1.52%2.1%
11/05/2012-0.5%0.1%0.93%1.44%2.02%
26/04/2012-0.52%0.01%0.84%1.46%2.07%
11/04/2012-0.34%0.15%0.91%1.51%2.08%
26/03/2012-0.25%0.21%0.98%1.59%2.16%
11/03/2012-0.33%0.21%0.96%1.54%2.08%
26/02/2012-0.02%0.37%0.98%1.49%2.02%
11/02/20120.26%0.45%0.99%1.46%1.98%
26/01/20120.58%0.58%1.09%1.54%2.05%
11/01/20120.76%0.63%1.14%1.61%2.11%
26/12/20110.73%0.63%1.19%1.68%2.19%
11/12/20110.73%0.68%1.3%1.8%2.28%
26/11/20110.99%0.91%1.39%1.81%2.22%
11/11/20111.01%1%1.39%1.77%2.1%
26/10/20111.18%1.19%1.54%1.89%2.2%
11/10/20111.25%1.14%1.5%1.86%2.21%
26/09/20111.1%1.16%1.64%2.05%2.4%
11/09/20110.86%0.97%1.43%1.84%2.19%
26/08/20110.93%1.1%1.55%1.93%2.25%
11/08/20110.68%1.09%1.68%2.1%2.42%
26/07/20110.37%0.97%1.59%2.01%2.35%
11/07/20110.38%1.06%1.72%2.17%2.47%
26/06/20110.32%1.05%1.75%2.18%2.48%
11/06/20110.07%0.93%1.64%2.07%2.39%

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