עוגן אג"ח לא צמודה מזרחי

הלוואת משכנתא לא 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 גליון.

ה – אג"ח משתנה פעמים בחודש בתאריכים 11 ו 26 בהתאמה. בעמוד זה טבלה עם נתוני ה – אג"ח הלא צמודות 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:

ריבית משתנה כל שנה צמודה על בסיס ה אג"ח
ריבית משתנה כל שנתיים צמודה על בסיס ה אג"ח
ריבית משתנה כל שנתיים וחצי צמודה על בסיס ה אג"ח
ריבית משתנה כל שלוש צמודה על בסיס ה אג"ח
ריבית משתנה כל ארבע צמודה על בסיס ה אג"ח
ריבית משתנה כל חמש צמודה על בסיס ה אג"ח
ריבית משתנה כל שבע צמודה על בסיס ה אג"ח
ריבית 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)

טבלת עוגן אג"ח לא צמודות מזרחי

ריבית משתנה על בסיס האג"ח לא צמודות במזרחי טפחות
תאריך עדכון	שנתיים	5 שנים	7 שנים
26/01/2026	3.49%	3.56%	3.65%
11/01/2026	3.60%	3.62%	3.70%
26/12/2025	3.72%	3.75%	3.83%
11/12/2025	3.73%	3.74%	3.81%
26/11/2025	3.68%	3.68%	3.75%
11/11/2025	3.69%	3.69%	3.76%
26/10/2025	3.70%	3.68%	3.76%
11/10/2025	3.88%	3.87%	3.95%
26/09/2025	3.86%	3.91%	4.00%
11/09/2025	3.86%	3.90%	3.98%
26/08/2025	3.94%	3.95%	4.01%
11/08/2025	4.00%	4.02%	4.08%
26/07/2025	3.95%	3.96%	4.03%
11/07/2025	3.89%	3.90%	3.97%
26/06/2025	4.15%	4.23%	4.31%
11/06/2025	4.19%	4.25%	4.32%
26/05/2025	4.11%	4.17%	4.24%
11/05/2025	3.99%	4.07%	4.16%
26/04/2025	4.01%	4.10%	4.19%
11/04/2025	4.11%	4.18%	4.27%
26/03/2025	4.05%	4.11%	4.19%
11/03/2025	4.07%	4.08%	4.15%
26/02/2025	4.08%	4.07%	4.13%
11/02/2025	4.12%	4.13%	4.21%
26/01/2025	4.19%	4.21%	4.30%
11/01/2025	4.17%	4.19%	4.27%
26/12/2024	4.13%	4.16%	4.24%
11/12/2024	4.18%	4.23%	4.32%
26/11/2024	4.32%	4.45%	4.53%
11/11/2024	4.41%	4.58%	4.66%
26/10/2024	4.41%	4.61%	4.71%
11/10/2024	4.31%	4.53%	4.65%
26/09/2024	4.25%	4.53%	4.68%
11/09/2024	4.17%	4.42%	4.55%
26/08/2024	4.08%	4.34%	4.46%
11/08/2024	4.07%	4.38%	4.52%
26/07/2024	4.14%	4.35%	4.48%
11/07/2024	4.31%	4.60%	4.72%
26/06/2024	4.27%	4.49%	4.61%
11/06/2024	4.32%	4.56%	4.68%
26/05/2024	4.24%	4.38%	4.49%
11/05/2024	4.20%	4.30%	4.41%
26/04/2024	4.20%	4.40%	4.52%
11/04/2024	3.97%	4.09%	4.21%
26/03/2024	3.86%	3.98%	4.10%
11/03/2024	3.77%	3.84%	3.98%
26/02/2024	3.74%	3.89%	4.05%
11/02/2024	3.70%	3.83%	4.01%
26/01/2024	3.75%	3.87%	4.07%
11/01/2024	3.65%	3.64%	3.81%
26/12/2023	3.60%	3.60%	3.75%
11/12/2023	3.75%	3.85%	4.01%
26/11/2023	3.85%	3.94%	4.11%
11/11/2023	4.00%	4.08%	4.23%
26/10/2023	3.97%	3.99%	4.10%
11/10/2023	4.43%	4.18%	4.19%
26/09/2023	4.30%	3.89%	3.87%
11/09/2023	4.18%	3.81%	3.81%
26/08/2023	4.20%	3.85%	3.86%
11/08/2023	4.12%	3.78%	3.78%
26/07/2023	4.07%	3.68%	3.63%
11/07/2023	4.18%	3.75%	3.70%
26/06/2023	4.10%	3.70%	3.65%
11/06/2023	4.25%	3.84%	3.79%
26/05/2023	4.07%	3.71%	3.67%
11/05/2023	4.06%	3.74%	3.68%
26/04/2023	4.10%	3.85%	3.84%
11/04/2023	4.03%	3.71%	3.69%
26/03/2023	4.08%	3.81%	3.74%
11/03/2023	4.47%	4.05%	3.96%
26/02/2023	3.91%	3.67%	3.58%
11/02/2023	3.59%	3.34%	3.26%
26/01/2023	3.55%	3.24%	3.20%
11/01/2023	3.62%	3.54%	3.49%
26/12/2022	3.43%	3.37%	3.31%
11/12/2022	3.36%	3.29%	3.24%
26/11/2022	3.14%	3.15%	3.15%
11/11/2022	3.26%	3.26%	3.26%
26/10/2022	3.13%	3.28%	3.30%
11/10/2022	3.09%	3.22%	3.27%
26/09/2022	2.91%	2.99%	3.04%
11/09/2022	2.68%	2.84%	2.86%
26/08/2022	2.24%	2.39%	2.43%
11/08/2022	2.05%	2.22%	2.32%
26/07/2022	2.14%	2.38%	2.46%
11/07/2022	2.06%	2.41%	2.53%
26/06/2022	2.48%	2.89%	2.98%
11/06/2022	1.88%	2.35%	2.50%
26/05/2022	1.65%	2.11%	2.33%
11/05/2022	1.59%	2.00%	2.19%
26/04/2022	1.49%	2.01%	2.19%
11/04/2022	1.41%	1.81%	1.99%
26/03/2022	1.09%	1.64%	1.86%
11/03/2022	0.84%	1.36%	1.60%
26/02/2022	0.63%	1.12%	1.38%
11/02/2022	0.37%	0.96%	1.24%
11/01/2022	0.08%	0.53%	0.82%
26/12/2021	0.06%	0.48%	0.75%
11/12/2021	0.07%	0.43%	0.68%
26/11/2021	0.17%	0.62%	0.90%
11/11/2021	0.28%	0.77%	1.05%
26/10/2021	0.15%	0.62%	0.96%
11/10/2021	0.11%	0.59%	0.94%
26/09/2021	0.09%	0.48%	0.80%
11/09/2021	0.08%	0.39%	0.71%
26/08/2021	0.08%	0.36%	0.71%
11/08/2021	0.08%	0.37%	0.70%
26/07/2021	0.09%	0.44%	0.78%
11/07/2021	0.11%	0.47%	0.80%
26/06/2021	0.16%	0.55%	0.88%
11/06/2021	0.18%	0.60%	0.92%
26/05/2021	0.18%	0.60%	0.93%
11/05/2021	0.16%	0.51%	0.80%
26/04/2021	0.14%	0.47%	0.75%
11/04/2021	0.14%	0.50%	0.79%
26/03/2021	0.15%	0.53%	0.85%
11/03/2021	0.14%	0.49%	0.80%
26/02/2021	0.12%	0.41%	0.70%
11/02/2021	0.08%	0.33%	0.56%
26/01/2021	0.07%	0.31%	0.53%
11/01/2021	0.09%	0.32%	0.51%
26/12/2020	0.13%	0.36%	0.57%
11/12/2020	0.14%	0.37%	0.56%
26/11/2020	0.12%	0.37%	0.54%
11/11/2020	0.12%	0.38%	0.59%
26/10/2020	0.07%	0.33%	0.53%
11/10/2020	0.08%	0.33%	0.52%
26/09/2020	0.11%	0.33%	0.50%
11/09/2020	0.09%	0.34%	0.49%
26/08/2020	0.09%	0.33%	0.47%
26/07/2020	0.08%	0.29%	0.43%
11/07/2020	0.08%	0.29%	0.43%
26/06/2020	0.08%	0.31%	0.47%
11/06/2020	0.09%	0.39%	0.58%
26/05/2020	0.13%	0.40%	0.57%
11/05/2020	0.15%	0.45%	0.64%
26/04/2020	0.15%	0.40%	0.58%
11/04/2020	0.35%	0.62%	0.84%
26/03/2020	0.38%	0.74%	1.00%
11/03/2020	0.16%	0.29%	0.38%
26/02/2020	0.15%	0.35%	0.51%
11/02/2020	0.18%	0.42%	0.61%
26/01/2020	0.18%	0.45%	0.63%
11/01/2020	0.18%	0.45%	0.65%
26/12/2019	0.19%	0.45%	0.64%
11/12/2019	0.16%	0.44%	0.64%
26/11/2019	0.16%	0.48%	0.70%
11/11/2019	0.18%	0.48%	0.69%
26/10/2019	0.19%	0.47%	0.67%
11/10/2019	0.23%	0.43%	0.62%
26/09/2019	0.24%	0.52%	0.75%
11/09/2019	0.21%	0.49%	0.71%
26/08/2019	0.23%	0.49%	0.68%
11/08/2019	0.35%	0.65%	0.85%
26/07/2019	0.41%	0.81%	1.08%
11/07/2019	0.41%	0.87%	1.17%
26/06/2019	0.42%	0.92%	1.21%
11/06/2019	0.45%	0.96%	1.25%
26/05/2019	0.55%	1.14%	1.44%
11/05/2019	0.59%	1.17%	1.47%
26/04/2019	0.56%	1.15%	1.47%
11/04/2019	0.52%	1.15%	1.50%
26/03/2019	0.49%	1.18%	1.56%
11/03/2019	0.48%	1.2%	1.57%
26/02/2019	0.51%	1.21%	1.59%
11/02/2019	0.56%	1.26%	1.65%
26/01/2019	0.64%	1.33%	1.73%
11/01/2019	0.77%	1.48%	1.85%
26/12/2018	0.73%	1.57%	1.96%
11/12/2018	0.66%	1.52%	1.94%
26/11/2018	0.55%	1.44%	1.86%
11/11/2018	0.56%	1.43%	1.88%
26/10/2018	0.54%	1.37%	1.86%
11/10/2018	0.51%	1.33%	1.81%
26/09/2018	0.5%	1.32%	1.78%
11/09/2018	0.47%	1.26%	1.71%
26/08/2018	0.46%	1.26%	1.72%
11/08/2018	0.47%	1.27%	1.74%
26/07/2018	0.48%	1.25%	1.7%
11/07/2018	0.5%	1.3%	1.74%
26/06/2018	0.45%	1.18%	1.63%
11/06/2018	0.37%	1.04%	1.48%
26/05/2018	0.41%	1.1%	1.57%
11/05/2018	0.37%	1.04%	1.49%
26/04/2018	0.3%	0.98%	1.43%
11/04/2018	0.27%	0.85%	1.3%
26/03/2018	0.25%	0.89%	1.35%
11/03/2018	0.26%	0.92%	1.38%
26/02/2018	0.26%	0.99%	1.49%
11/02/2018	0.2%	0.85%	1.33%
26/01/2018	0.19%	0.74%	1.21%
11/01/2018	0.19%	0.75%	1.2%
26/12/2017	0.18%	0.81%	1.26%
11/12/2017	0.18%	0.85%	1.3%
26/11/2017	0.17%	0.81%	1.26%
11/11/2017	0.17%	0.83%	1.26%
26/10/2017	0.18%	0.84%	1.27%
11/10/2017	0.17%	0.78%	1.26%
26/09/2017	0.15%	0.72%	1.21%
11/09/2017	0.16%	0.7%	1.18%
26/08/2017	0.18%	0.76%	1.24%
11/08/2017	0.2%	0.82%	1.29%
26/07/2017	0.23%	0.9%	1.39%
11/07/2017	0.27%	0.99%	1.5%
26/06/2017	0.27%	0.95%	1.45%
11/06/2017	0.28%	0.94%	1.43%
26/05/2017	0.31%	1.02%	1.53%
11/05/2017	0.35%	1.11%	1.62%
26/04/2017	0.34%	1.06%	1.58%
11/04/2017	0.33%	1.06%	1.55%
26/03/2017	0.35%	1.07%	1.57%
11/03/2017	0.35%	1.15%	1.69%
26/02/2017	0.34%	1.15%	1.67%
11/02/2017	0.36%	1.15%	1.69%
26/01/2017	0.36%	1.14%	1.67%
11/01/2017	0.36%	1.13%	1.64%
26/12/2016	0.41%	1.24%	1.77%
11/12/2016	0.41%	1.23%	1.75%
26/11/2016	0.4%	1.2%	1.71%
11/11/2016	0.31%	0.99%	1.44%
26/10/2016	0.31%	0.97%	1.43%
11/10/2016	0.28%	0.91%	1.34%
26/09/2016	0.28%	0.93%	1.36%
11/09/2016	0.26%	0.91%	1.34%
26/08/2016	0.24%	0.85%	1.27%
11/08/2016	0.23%	0.82%	1.23%
26/07/2016	0.2%	0.8%	1.23%
11/07/2016	0.18%	0.76%	1.2%
26/06/2016	0.22%	0.82%	1.28%
11/06/2016	0.26%	0.89%	1.34%
26/05/2016	0.25%	0.88%	1.31%
11/05/2016	0.22%	0.87%	1.33%
26/04/2016	0.23%	0.88%	1.33%
11/04/2016	0.24%	0.9%	1.35%
26/03/2016	0.24%	0.95%	1.42%
11/03/2016	0.19%	0.89%	1.36%
26/02/2016	0.19%	0.87%	1.33%
11/02/2016	0.27%	0.9%	1.36%
26/01/2016	0.31%	0.99%	1.44%
11/01/2016	0.38%	1.08%	1.55%
26/12/2015	0.4%	1.12%	1.6%
11/12/2015	0.39%	1.14%	1.62%
26/11/2015	0.36%	1.09%	1.57%
11/11/2015	0.25%	0.95%	1.44%
26/10/2015	0.22%	0.96%	1.48%
11/10/2015	0.2%	1%	1.54%
26/09/2015	0.24%	1.13%	1.66%
11/09/2015	0.23%	1.07%	1.59%
26/08/2015	0.24%	1.05%	1.57%
11/08/2015	0.3%	1.15%	1.68%
26/07/2015	0.32%	1.17%	1.75%
11/07/2015	0.34%	1.25%	1.83%
26/06/2015	0.3%	1.19%	1.73%
11/06/2015	0.26%	1.03%	1.52%
26/05/2015	0.21%	0.95%	1.43%
11/05/2015	0.14%	0.76%	1.16%
26/04/2015	0.16%	0.74%	1.1%
11/04/2015	0.18%	0.79%	1.15%
26/03/2015	0.21%	0.81%	1.22%
11/03/2015	0.24%	0.86%	1.26%
26/02/2015	0.27%	0.95%	1.38%
11/02/2015	0.28%	0.9%	1.31%
26/01/2015	0.33%	1%	1.49%
11/01/2015	0.48%	1.3%	1.79%
26/12/2014	0.45%	1.32%	1.84%
11/12/2014	0.38%	1.15%	1.68%
26/11/2014	0.32%	1.07%	1.58%
11/11/2014	0.3%	1.09%	1.59%
26/10/2014	0.26%	1.03%	1.54%
11/10/2014	0.35%	1.21%	1.74%
26/09/2014	0.41%	1.33%	1.88%
11/09/2014	0.42%	1.34%	1.84%
26/08/2014	0.6%	1.54%	2.05%
11/08/2014	0.68%	1.61%	2.1%
26/07/2014	0.76%	1.7%	2.2%
11/07/2014	0.86%	1.78%	2.26%
26/06/2014	0.76%	1.69%	2.23%
11/06/2014	0.73%	1.67%	2.26%
26/05/2014	0.76%	1.75%	2.36%
11/05/2014	0.89%	1.98%	2.61%
26/04/2014	0.85%	1.97%	2.62%