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.
חשוב מאוד
השימוש במידע המופיע בעמוד זה הינו באחריות הגולש בלבד.
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 |
| 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% |
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