ממוצע ריביות משכנתא צמודה למדד

ריבית ממוצעת על הלוואות המשכנתא כשמה כן היא, ממוצע הריביות אשר הבנק נותן על הכסף אותו הוא מוכר כנגד הלוואות משכנתא – כלומר, הלוואות כנגד שעבוד נכס.

ממוצע הריבית על הלוואות המשכנתא, מורכבת הן מהלוואות הניתנות לרכישת דירה ראשונה / יחידה, דירה להשקעה, משכנתא לטובת בנייה עצמית, רכישת מגרש, הלוואות כנגד התרי בנייה וגם הלוואות שניתנות לכל מטרה אחרת.

לדוגמא: הלוואות לשיפוצים, הלוואת משכנתא לטובת ריהוט הבית, סגירת הלוואות קיימות ואיחוד הלוואת, הסדרי חובות וכו.

חשוב להבין, אם הריבית הממוצעת כוללת בתוכה הלוואות לכל מטרה, שניתנות בריביות גבוהות מאשר הלוואות משכנתא לרכישה, ניתן ללמוד ולהבין, כי הריבית אותה נדרוש בהלוואות המשתנות צריכה להיות פחות מהממוצע!

טבלת ממוצע ריביות משכנתא מהווה עבורנו כלי מעולה לבחינת תנודות השוק ברמת ריביות המשכנתא.

ממוצע ריביות צמודות ולא צמודות 2022
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
13/09/2022	3.02%	3.67%
12/08/2022	3.04%	3.49%
14/07/2022	2.79%	3.15%
14/06/2022	2.49%	2.87%
16/05/2022	2.28%	2.61%
13/04/2022	2.23%	2.39%
11/03/2022	2.05%	2.30%
14/02/2022	2.01%	2.28%
11/01/2022	1.99%	2.29%

ממוצע ריביות צמודות ולא צמודות 2021
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
13/12/2021	2.06%	2.32%
11/11/2021	2.13%	2.31%
12/10/2021	2.18%	2.26%
20/09/2021	2.19%	2.22%
11/08/2021	2.19%	2.22%
11/07/2021	2.20%	2.23%
11/06/2021	2.35%	2.25%
11/05/2021	2.41%	2.30%
14/04/2021	2.44%	2.31%
11/03/2021	2.49%	2.30%
11/02/2021	2.68%	2.41%
11/01/2021	2.79%	2.36%

ממוצע ריביות צמודות ולא צמודות 2020
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2020	2.89%	2.39%
11/11/2020	2.84%	2.38%
16/10/2020	2.85%	2.41%
11/09/2020	2.92%	2.39%
11/08/2020	2.85%	2.45%
13/07/2020	2.97%	2.55%
11/06/2020	3.15%	2.55%
11/05/2020	3.20%	2.59%
20/04/2020	2.68%	2.43%
13/03/2020	2.62%	2.47%
11/02/2020	2.71%	2.50%
13/01/2020	2.69%	2.51%

ממוצע ריביות צמודות ולא צמודות 2019
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2019	2.70%	2.57%
11/11/2019	2.74%	2.56%
11/10/2019	2.77%	2.58%
11/09/2019	2.81%	2.62%
13/08/2019	2.97%	2.66%
11/07/2019	3.00%	2.77%
11/06/2019	3.10%	2.81%
13/05/2019	3.22%	2.84%
11/04/2019	3.28%	2.90%
11/03/2019	3.41%	2.97%
11/02/2019	3.53%	3.02%
11/01/2019	3.51%	2.98%

ממוצע ריביות צמודות ולא צמודות 2018
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2018	3.43%	2.9%
12/11/2018	3.46%	2.91%
11/10/2018	3.35%	2.85%
14/09/2018	3.33%	2.84%
13/08/2018	3.29%	2.78%
11/07/2018	3.31%	2.81%
11/06/2018	3.29%	2.81%
11/05/2018	3.28%	2.81%
18/04/2018	3.31%	2.87%
12/03/2018	3.37%	2.9%
12/02/2018	3.38%	2.93%
11/01/2018	3.37%	2.92%

ממוצע ריביות צמודות ולא צמודות 2017
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2017	3.57%	3.01%
13/11/2017	3.6%	3.03%
17/10/2017	3.56%	3.04%
11/09/2017	3.61%	3.00%
11/08/2017	3.71%	3.09%
12/06/2017	3.74%	3.17%
11/05/2017	3.87%	3.23%
20/04/2017	3.88%	3.29%
15/03/2017	3.93%	3.36%
13/02/2017	3.85%	3.33%
11/01/2017	3.84%	3.37%

ממוצע ריביות צמודות ולא צמודות 2016
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
12/12/2016	3.73%	3.28%
11/11/2016	3.67%	3.19%
14/10/2016	3.53%	3.13%
12/09/2016	3.3%	2.94%
11/08/2016	3.19%	2.89%
11/07/2016	3.04%	2.78%
13/06/2016	2.93%	2.75%
11/05/2016	2.97%	2.75%
11/04/2016	3.01%	2.68%
11/03/2016	3.06%	2.64%
11/02/2016	2.85%	2.6%
11/01/2016	2.66%	2.54%

ממוצע ריביות צמודות ולא צמודות 2015
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2015	2.58%	2.48%
11/11/2015	2.58%	2.46%
12/10/2015	2.47%	2.5%
11/09/2015	2.37%	2.46%
11/08/2015	2.21%	2.43%
12/07/2015	2.05%	2.33%
11/06/2015	1.96%	2.22%
11/05/2015	2.06%	2.23%
13/04/2015	2.12%	2.26%
11/03/2015	2.29%	2.35%
11/02/2015	2.44%	2.45%
12/01/2015	2.3%	2.41%

ממוצע ריביות צמודות ולא צמודות 2014
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2014	2.21%	2.36%
11/11/2014	2.24%	2.43%
12/10/2014	2.33%	2.45%
11/09/2014	2.25%	2.56%
11/08/2014	2.22%	2.73%
11/07/2014	2.18%	2.78%
11/06/2014	2.23%	2.83%
12/05/2014	2.26%	2.86%
11/04/2014	2.34%	2.85%
11/03/2014	2.43%	3.03%
11/02/2014	2.42%	3.05%
12/01/2014	2.49%	3.06%

ממוצע ריביות צמודות ולא צמודות 2013
תאריך שינוי	ריביות צמודות	ריביות לא צמודות
11/12/2013	2.54%	3.08%
11/11/2013	2.43%	3.04%
11/10/2013	2.27%	3.17%
11/09/2013	2.15%	3.11%
12/08/2013	2.17%	3.11%
11/07/2013	2.1%	3.15%
11/06/2013	2.07%	3.22%
12/05/2013	2.2%	3.47%
11/04/2013	2.27%	3.5%

טבלת ממוצע ריביות משכנתא צמודות מדד

ריבית משכנתא ממוצעת צמוד
תאריך עדכון	עד 5 שנים	5 עד 10 שנים	10 עד 15 שנים	15 עד 20 שנים	20 עד 25 שנים	מעל 25 שנים	ממוצע ריביות כולל
13/09/2022	3.06%	2.33%	2.73%	2.94%	3.01%	3.10%	3.02%
12/08/2022	3.15%	2.28%	2.57%	2.90%	2.95%	3.03%	3.04%
14/07/2022	2.83%	2.05%	2.30%	2.71%	2.78%	2.92%	2.79%
14/06/2022	2.50%	1.79%	2.08%	2.41%	2.53%	2.74%	2.49%
16/05/2022	2.24%	1.74%	1.97%	2.23%	2.38%	2.65%	2.28%
13/04/2022	2.20%	1.73%	1.93%	2.21%	2.33%	2.55%	2.23%
11/03/2022	1.95%	1.60%	1.87%	2.20%	2.28%	2.55%	2.05%
14/02/2022	1.87%	1.57%	1.89%	2.19%	2.35%	2.61%	2.01%
11/01/2022	1.88%	1.56%	1.91%	2.2%	2.29%	2.54%	1.99%
13/12/2021	1.90%	1.72%	2.13%	2.31%	2.46%	2.72%	2.06%
11/11/2021	1.95%	1.93%	2.07%	2.36%	2.59%	2.80%	2.13%
12/10/2021	2.05%	1.79%	2.17%	2.34%	2.56%	2.76%	2.18%
20/09/2021	2.08%	1.82%	2.03%	2.33%	2.52%	2.79%	2.19%
11/08/2021	2.06%	1.78%	2.08%	2.30%	2.54%	2.81%	2.19%
11/07/2021	2.05%	1.85%	2.08%	2.35%	2.56%	2.78%	2.20%
11/06/2021	2.25%	1.94%	2.14%	2.44%	2.63%	2.82%	2.35%
11/05/2021	2.31%	2.08%	2.20%	2.54%	2.68%	2.90%	2.41%
14/04/2021	2.35%	2.11%	2.29%	2.50%	2.70%	2.93%	2.44%
11/03/2021	2.40%	2.15%	2.37%	2.60%	2.77%	2.95%	2.49%
11/02/2021	2.61%	2.45%	2.45%	2.80%	2.92%	3.12%	2.68%
11/01/2021	2.73%	2.62%	2.53%	2.77%	2.96%	3.23%	2.79%
11/12/2020	2.86%	2.74%	2.54%	2.86%	3.07%	3.18%	2.89%
11/11/2020	2.81%	2.79%	2.51%	2.76%	3.09%	3.13%	2.84%
16/10/2020	2.81%	2.73%	2.60%	2.85%	3.05%	3.12%	2.85%
11/09/2020	2.88%	2.79%	2.67%	2.96%	3.07%	3.20%	2.92%
11/08/2020	2.74%	2.87%	2.68%	3.03%	3.11%	3.32%	2.85%
13/07/2020	2.68%	2.99%	2.76%	3.13%	3.35%	3.41%	2.97%
11/06/2020	3.10%	3.01%	2.88%	3.10%	3.40%	3.44%	3.15%
11/05/2020	3.22%	2.96%	2.71%	3.10%	3.25%	3.40%	3.20%
20/04/2020	2.63%	2.34%	2.31%	2.58%	2.95%	3.18%	2.68%
13/03/2020	2.55%	2.22%	2.40%	2.67%	2.93%	3.14%	2.62%
11/02/2020	2.63%	2.22%	2.50%	2.72%	3.08%	3.20%	2.71%
13/01/2020	2.60%	2.17%	2.41%	2.81%	3.08%	3.28%	2.69%
11/12/2019	2.56%	2.26%	2.47%	2.86%	3.13%	3.41%	2.70%
11/11/2019	2.60%	2.30%	2.59%	2.87%	3.17%	3.48%	2.74%
11/10/2019	2.65%	2.23%	2.53%	2.96%	3.27%	3.39%	2.77%
11/09/2019	2.68%	2.27%	2.55%	3.08%	3.34%	3.41%	2.81%
13/08/2019	2.85%	2.32%	2.68%	3.19%	3.44%	3.58%	2.97%
11/07/2019	2.90%	2.32%	2.71%	3.22%	3.47%	3.54%	3.00%
11/06/2019	3.00%	2.44%	2.89%	3.31%	3.5%	3.62%	3.10%
13/05/2019	3.07%	2.58%	2.94%	3.43%	3.71%	3.81%	3.22%
11/04/2019	3.13%	2.75%	3.06%	3.61%	3.78%	3.79%	3.28%
11/03/2019	3.29%	2.89%	3.18%	3.65%	3.86%	3.87%	3.41%
11/02/2019	3.46%	2.86%	3.22%	3.73%	3.82%	3.89%	3.53%
11/01/2019	3.49%	2.78%	3.14%	3.63%	3.8%	3.83%	3.51%
11/12/2018	3.36%	2.76%	3.1%	3.66%	3.76%	3.81%	3.43%
12/11/2018	3.39%	2.7%	3.07%	3.6%	3.84%	3.86%	3.46%
11/10/2018	3.26%	2.58%	2.99%	3.54%	3.77%	3.83%	3.35%
14/09/2018	3.23%	2.69%	3.08%	3.48%	3.71%	3.79%	3.33%
13/08/2018	3.21%	2.66%	2.95%	3.48%	3.63%	3.72%	3.29%
11/07/2018	3.23%	2.66%	2.94%	3.51%	3.67%	3.75%	3.31%
11/06/2018	3.19%	2.63%	2.98%	3.53%	3.72%	3.73%	3.29%
11/05/2018	3.17%	2.64%	3.01%	3.49%	3.66%	3.7%	3.28%
18/04/2018	3.19%	2.74%	3.03%	3.54%	3.73%	3.77%	3.31%
12/03/2018	3.24%	2.95%	3.2%	3.54%	3.8%	3.87%	3.37%
12/02/2018	3.24%	2.73%	3.1%	3.83%	3.8%	3.89%	3.38%
11/01/2018	3.23%	2.75%	3.14%	3.75%	3.83%	3.91%	3.37%
11/12/2017	3.45%	3.02%	3.29%	3.92%	3.97%	3.97%	3.57%
13/11/2017	3.45%	3.13%	3.39%	3.87%	4.12%	4.04%	3.6%
17/10/2017	3.4%	3.22%	3.41%	3.89%	4.03%	4%	3.56%
11/09/2017	3.44%	3.08%	3.49%	3.91%	4.08%	4.12%	3.61%
11/08/2017	3.59%	3.03%	3.51%	4.03%	4.16%	4.16%	3.71%
12/06/2017	3.59%	3.24%	3.51%	4.06%	4.22%	4.21%	3.74%
11/05/2017	3.73%	3.34%	3.57%	4.14%	4.35%	4.31%	3.87%
20/04/2017	3.72%	3.32%	3.75%	4.25%	4.34%	4.31%	3.88%
15/03/2017	3.82%	3.49%	3.73%	4.19%	4.23%	4.34%	3.93%
13/02/2017	3.72%	3.36%	3.66%	4.14%	4.19%	4.3%	3.85%
11/01/2017	3.71%	3.36%	3.62%	4.11%	4.13%	4.27%	3.84%
12/12/2016	3.58%	3.27%	3.66%	3.96%	3.99%	4.17%	3.73%
11/11/2016	3.55%	3.11%	3.35%	3.93%	4.02%	4.19%	3.67%
14/10/2016	3.36%	3.2%	3.41%	3.81%	3.9%	4.03%	3.53%
12/09/2016	3.11%	2.92%	3.26%	3.63%	3.76%	3.84%	3.3%
11/08/2016	3%	2.78%	3.17%	3.54%	3.66%	3.76%	3.19%
11/07/2016	2.86%	2.83%	3%	3.32%	3.45%	3.58%	3.04%
13/06/2016	2.73%	2.73%	3%	3.26%	3.48%	3.5%	2.93%
11/05/2016	2.77%	2.79%	2.97%	3.38%	3.41%	3.51%	2.97%
11/04/2016	2.82%	2.75%	3.14%	3.35%	3.42%	3.42%	3.01%
11/03/2016	2.89%	2.8%	3.06%	3.28%	3.42%	3.39%	3.06%
11/02/2016	2.69%	2.49%	2.73%	3.18%	3.15%	3.22%	2.85%
11/01/2016	2.48%	2.33%	2.66%	2.93%	3.05%	3.09%	2.66%
11/12/2015	2.38%	2.22%	2.55%	2.9%	3.01%	3.05%	2.58%
11/11/2015	2.42%	2.16%	2.54%	2.85%	3%	3.06%	2.58%
12/10/2015	2.31%	2.01%	2.38%	2.75%	2.9%	2.95%	2.47%
11/09/2015	2.21%	1.87%	2.29%	2.65%	2.92%	2.9%	2.37%
11/08/2015	2.05%	1.77%	2.16%	2.55%	2.73%	2.77%	2.21%
12/07/2015	1.9%	1.69%	2.01%	2.29%	2.55%	2.59%	2.05%
11/06/2015	1.75%	1.77%	2%	2.26%	2.45%	2.57%	1.96%
11/05/2015	1.85%	1.81%	2.14%	2.37%	2.59%	2.67%	2.06%
13/04/2015	1.86%	1.85%	2.2%	2.47%	2.71%	2.79%	2.12%
11/03/2015	2.12%	1.85%	2.24%	2.54%	2.79%	2.84%	2.29%
11/02/2015	2.37%	1.85%	2.24%	2.58%	2.79%	2.87%	2.44%
12/01/2015	2.17%	1.81%	2.14%	2.54%	2.77%	2.89%	2.3%
11/12/2014	2.01%	1.61%	2.14%	2.63%	2.79%	2.94%	2.21%
11/11/2014	2.07%	1.72%	2.18%	2.6%	2.89%	3.02%	2.24%
12/10/2014	2.17%	1.75%	2.26%	2.73%	2.9%	3.05%	2.33%
11/09/2014	2.03%	1.67%	2.25%	2.73%	2.94%	3.05%	2.25%
11/08/2014	1.99%	1.61%	2.24%	2.72%	2.96%	3.08%	2.22%
11/07/2014	1.92%	1.57%	2.25%	2.71%	2.99%	3.21%	2.18%
11/06/2014	1.96%	1.65%	2.28%	2.81%	3.08%	3.25%	2.23%
12/05/2014	1.95%	1.76%	2.38%	2.89%	3.14%	3.32%	2.26%
11/04/2014	2.04%	1.72%	2.48%	2.97%	3.22%	3.4%	2.34%
11/03/2014	2.16%	1.79%	2.53%	3.07%	3.31%	3.43%	2.43%
11/02/2014	2.14%	1.89%	2.47%	3.07%	3.29%	3.46%	2.42%
12/01/2014	2.18%	2.07%	2.57%	3.17%	3.36%	3.54%	2.49%
11/12/2013	2.27%	2.03%	2.73%	3.3%	3.46%	3.6%	2.54%
11/11/2013	2.25%	2.03%	2.67%	3.23%	3.4%	3.66%	2.43%
11/10/2013	2.21%	1.92%	2.51%	3.03%	3.27%	3.55%	2.27%
11/09/2013	2.11%	1.74%	2.28%	2.87%	3.15%	3.23%	2.15%
12/08/2013	2.14%	1.72%	2.3%	2.72%	3.22%	3.28%	2.17%
11/07/2013	2.07%	1.75%	2.24%	2.75%	3.17%	3.16%	2.1%
11/06/2013	2.02%	1.79%	2.17%	2.69%	3.23%	3.36%	2.07%
12/05/2013	2.16%	1.91%	2.26%	2.77%	3.26%	3.45%	2.2%
11/04/2013	2.22%	2.04%	2.3%	2.8%	3.29%	3.43%	2.27%
11/03/2013	2.27%	2.01%	2.29%	2.7%	3.26%	3.42%	2.31%
11/02/2013	2.3%	2.04%	2.31%	2.81%	3.29%	3.48%	2.34%
11/01/2013	2.37%	2.13%	2.4%	2.96%	3.48%	3.72%	2.42%
11/12/2012	2.39%	2.13%	2.51%	3.09%	3.44%	3.65%	2.43%
12/11/2012	2.4%	2.31%	2.41%	3.08%	3.42%	3.61%	2.44%
14/10/2012	2.42%	2.23%	2.51%	3.05%	3.42%	3.66%	2.45%
11/09/2012	2.38%	2.26%	2.35%	3.03%	3.46%	3.52%	2.42%
12/08/2012	2.54%	2.36%	2.4%	3.08%	3.48%	3.62%	2.56%
11/07/2012	2.64%	2.4%	2.44%	3.17%	3.53%	3.57%	2.65%
11/06/2012	2.64%	2.46%	2.53%	3.2%	3.57%	3.63%	2.67%
11/05/2012	2.75%	2.59%	2.66%	3.34%	3.62%	3.71%	2.77%
11/04/2012	2.9%	2.7%	2.72%	3.37%	3.65%	3.77%	2.91%
12/03/2012	2.98%	2.81%	2.79%	3.41%	3.73%	3.82%	2.99%
13/02/2012	3.09%	2.84%	2.84%	3.57%	3.7%	3.89%	3.08%
11/01/2012	3.17%	3.05%	3%	3.53%	3.87%	3.92%	3.19%
12/12/2011	3.3%	3.23%	3.11%	3.6%	3.87%	3.88%	3.31%
11/11/2011	3.27%	3.35%	3.07%	3.64%	3.85%	4.02%	3.31%
11/10/2011	3.2%	3.31%	3.12%	3.66%	3.88%	3.96%	3.25%
12/09/2011	3.12%	3.22%	3.16%	3.71%	3.87%	4.13%	3.19%
11/08/2011	3.01%	3.09%	3.12%	3.65%	3.8%	4.13%	3.08%