עוגן אג"ח לא צמודות מדד

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.

העוגן מתפרסם בכל 1 לכל חודש לפי התשואה הנומינלית הנגזרת מאמידת עקום אפס.

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

  • ריבית משתנה כל שנה לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל שנתיים לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל שנתיים וחצי לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל שלוש לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל ארבע לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל חמש לא צמודה על בסיס ה אג"ח
  • ריבית משתנה כל שבע לא צמודה על בסיס ה אג"ח
  • ריבית משתנה חצי קבועה לא 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 לא צמודות בנק לאומי

נתוני אג"ח לא צמודות בנק לאומי
תאריך עדכוןשנהשנתיים3 שנים4 שנים5 שנים7 שנים10 שנים
04/12/20234.03%3.91%3.92%3.94%4.02%4.40%4.70%
01/11/20234.34%4.24%4.21%4.18%4.20%4.29%4.48%
01/10/20234.67%4.38%4.15%3.99%3.97%3.97%4.02%
03/09/20234.67%4.25%4.04%3.89%3.87%3.88%3.94%
02/08/20234.68%4.20%3.98%3.82%3.79%3.75%3.79%
02/07/20234.64%4.21%3.99%3.82%3.77%3.73%3.77%
01/06/20234.54%4.18%3.95%3.82%3.80%3.75%3.82%
02/05/20234.51%4.16%4.01%3.89%3.84%3.84%3.89%
01/04/20234.57%4.26%4.08%3.96%3.92%3.85%3.86%
01/03/20234.17%3.97%3.82%3.71%3.66%3.58%3.56%
01/02/20233.84%3.65%3.53%3.44%3.39%3.35%3.35%
12/20223.49%3.50%3.49%3.47%3.46%3.40%3.38%
11/20223.22%3.28%3.30%3.28%3.28%3.25%3.27%
10/20223.03%3.18%3.24%3.26%3.30%3.30%3.36%
09/20222.66%2.91%2.97%3.01%3.04%3.08%3.12%
08/20222.01%2.28%2.38%2.42%2.45%2.49%2.62%
07/20221.69%2.11%2.27%2.34%2.38%2.47%2.63%
06/20221.48%2.25%2.53%2.66%2.72%2.82%2.99%
05/20220.97%1.67%1.94%2.06%2.16%2.36%2.59%
04/20220.85%1.48%1.71%1.85%1.97%2.15%2.38%
03/20220.56%1.10%1.34%1.52%1.63%1.86%2.13%
02/20220.22%0.59%0.84%1.01%1.14%1.42%1.78%
01/20220.04%0.23%0.45%0.64%0.77%1.05%1.44%
12/20210.01%0.07%0.22%0.39%0.51%0.77%1.20%
11/20210.04%0.21%0.39%0.56%0.69%0.95%1.34%
10/20210.03%0.17%0.35%0.55%0.70%1.03%1.42%
09/20210.02%0.09%0.20%0.36%0.51%0.84%1.30%
08/20210.01%0.07%0.16%0.26%0.38%0.72%1.19%
/07/20210.02%0.09%0.19%0.32%0.45%0.80%1.25%
06/20210.03%0.15%0.28%0.42%0.57%0.92%1.38%
05/20210.04%0.17%0.29%0.43%0.59%0.92%1.34%
04/20210.02%0.15%0.26%0.37%0.50%0.79%1.23%
03/20210.02%0.15%0.28%0.40%0.52%0.84%1.28%
02/20210.02%0.11%0.19%0.29%0.39%0.70%1.12%
01/20210.01%0.07%0.16%0.24%0.32%0.54%0.94%
12/20200.06%0.13%0.23%0.29%0.36%0.57%0.93%
11/20200.05%0.13%0.24%0.32%0.38%0.58%0.92%
10/20200.03%0.07%0.18%0.26%0.34%0.55%0.83%
09/20200.06%0.10%0.20%0.27%0.35%0.51%0.75%
08/20200.04%0.09%0.18%0.26%0.33%0.48%0.70%
/07/20200.03%0.08%0.16%0.23%0.30%0.67%1.10%
/06/20200.04%0.08%0.17%0.25%0.34%0.52%0.73%
05/20200.06%0.13%0.25%0.33%0.43%0.61%0.81%
04/20200.12%0.20%0.29%0.38%0.47%0.67%0.87%
03/20200.22%0.32%0.39%0.48%0.59%0.81%0.96%
/02/20200.15%0.16%0.21%0.30%0.37%0.56%0.78%
01/20200.15%0.18%0.26%0.36%0.45%0.65%0.89%
31/12/20190.14%0.18%0.27%0.36%0.46%0.69%0.95%
30/11/20190.12%0.16%0.27%0.37%0.49%0.73%1.03%
31/10/20190.17%2.20%0.27%0.36%0.47%0.70%1.02%
30/09/20190.18%0.22%0.31%0.40%0.52%0.78%1.15%
31/08/20190.21%0.25%0.34%0.43%0.52%0.73%1.10%
31/07/20190.30%0.41%0.54%0.68%0.83%1.14%1.57%
26/06/20190.31%0.43%0.59%0.76%0.94%1.27%1.73%
31/05/20190.39%0.56%0.76%0.96%1.15%1.48%2.41%
30/04/20190.35%0.57%0.78%1.00%1.20%1.56%2.00%
31/03/20190.30%0.49%0.74%0.99%1.21%1.61%2.08%
28/02/20190.32%0.51%0.76%1.00%1.25%1.66%2.15%
11/01/20190.44%0.66%0.89%1.13%1.39%1.82%2.30%
31/12/20180.47%0.72%1.01%1.30%1.58%2.02%2.44%
30/11/20180.31%0.57%0.87%1.18%1.47%1.96%2.43%
31/10/20180.27%0.53%0.85%1.15%1.42%1.92%2.36%
30/09/20180.23%0.49%0.82%1.12%1.37%1.82%2.26%
31/08/20180.22%0.46%0.75%1.04%1.30%1.76%2.20%
31/07/20180.22%0.49%0.78%1.06%1.33%1.79%2.22%
30/06/20180.20%0.44%0.68%0.95%1.21%1.66%2.16%
31/05/20180.19%0.39%0.61%0.86%1.11%1.57%2.11%
30/04/20180.16%0.31%0.54%0.76%0.99%1.45%1.97%
31/03/20180.14%0.26%0.47%0.69%0.92%1.40%1.95%
28/02/20180.13%0.25%0.46%0.72%0.99%1.51%2.05%
31/01/20180.13%0.20%0.33%0.53%0.77%1.28%1.84%
31/12/20170.12%0.18%0.33%0.55%0.81%1.33%1.93%
30/11/20170.10%0.16%0.31%0.55%0.83%1.33%1.93%
31/10/20170.10%0.17%0.34%0.58%0.85%1.34%1.91%
30/09/20170.09%0.15%0.28%0.50%0.76%1.28%1.86%
31/08/20170.10%0.17%0.33%0.55%0.80%1.29%1.87%
31/07/20170.12%0.23%0.44%0.69%0.97%1.49%2.09%
30/06/20170.12%0.27%0.47%0.73%1.01%1.53%2.14%
31/05/20170.14%0.32%0.54%0.81%1.10%1.64%2.24%
30/04/20170.15%0.35%0.59%0.85%1.13%1.67%2.26%
31/03/20170.16%0.36%0.62%0.89%1.15%1.70%2.33%
28/02/20170.17%0.36%0.65%0.94%1.21%1.76%2.39%
31/01/20170.18%0.37%0.65%0.94%1.20%1.76%2.35%
31/12/20160.19%0.41%0.72%1.00%1.28%1.85%2.41%
30/11/20160.17%0.38%0.66%0.93%1.19%1.72%2.24%
31/10/20160.12%0.31%0.53%0.78%1.01%1.51%1.99%
30/09/20160.11%0.26%0.46%0.70%0.94%1.42%1.91%
31/08/20160.12%0.23%0.43%0.65%0.88%1.35%1.87%
31/07/20160.12%0.19%0.38%0.59%0.81%1.29%1.81%
30/06/20160.11%0.22%0.43%0.63%0.85%1.36%1.87%
31/05/20160.13%0.23%0.48%0.68%0.89%1.41%1.92%
30/04/20160.12%0.22%0.46%0.69%0.90%1.41%1.93%
31/03/20160.11%0.23%0.46%0.72%0.98%1.49%2.01%
29/02/20160.09%0.21%0.41%0.66%0.92%1.41%1.94%
31/01/20160.16%0.33%0.56%0.81%1.05%1.55%2.10%
31/12/20150.18%0.40%0.66%0.93%1.17%1.71%2.26%
30/11/20150.14%0.34%0.57%0.85%1.12%1.66%2.24%
31/10/20150.10%0.22%0.40%0.70%1.01%1.57%2.18%
30/09/20150.09%0.24%0.51%0.84%1.16%1.74%2.37%
31/08/20150.10%0.26%0.52%0.85%1.15%1.73%2.32%
31/07/20150.12%0.33%0.56%0.89%1.23%1.88%2.52%
30/06/20150.11%0.31%0.59%0.92%1.26%1.87%2.48%
31/05/20150.07%0.21%0.39%0.66%0.94%1.47%2.03%
30/04/20150.07%0.16%0.33%0.55%0.77%1.18%1.67%
31/03/20150.10%0.22%0.41%0.64%0.87%1.32%1.84%
28/02/20150.16%0.27%0.49%0.73%0.97%1.45%2.01%
31/01/20150.22%0.36%0.59%0.81%1.08%1.62%2.22%
31/12/20140.27%0.46%0.73%1.01%1.35%1.95%2.62%
30/11/20140.21%0.32%0.56%0.83%1.13%1.71%2.39%
31/10/20140.19%0.30%0.56%0.83%1.13%1.73%2.40%
30/09/20140.26%0.39%0.68%1.03%1.36%1.98%2.67%
31/08/20140.45%0.58%0.90%1.25%1.57%2.16%2.83%
31/07/20140.65%0.79%1.13%1.46%1.76%2.35%3.01%
30/06/20140.63%0.76%1.12%1.45%1.76%2.39%3.07%
31/05/20140.64%0.77%1.14%1.50%1.85%2.55%3.28%
30/04/20140.69%0.88%1.32%1.74%2.11%2.86%3.58%
31/03/20140.67%0.85%1.29%1.70%2.07%2.83%3.58%
28/02/20140.90%1.06%1.48%1.89%2.26%3.06%3.82%
31/01/20140.93%1.14%1.55%1.98%2.38%3.15%3.93%
31/12/20130.89%1.10%1.49%1.90%2.27%3.07%3.93%
30/11/20130.88%1.12%1.49%1.94%2.33%3.14%3.92%
31/10/20130.99%1.22%1.63%2.06%2.45%3.25%3.97%
30/09/20131.21%1.48%1.91%2.37%2.76%3.52%4.21%
31/08/20131.20%1.39%1.77%2.23%2.64%3.41%4.14%
31/07/20131.20%1.40%1.72%2.11%2.51%3.27%4.01%
30/06/20131.28%1.46%1.76%2.19%2.57%3.32%4.04%
31/05/20131.47%1.54%1.75%2.05%2.37%3.03%3.77%
30/04/20131.68%1.75%2.02%2.36%2.64%3.23%3.90%
31/03/20131.67%1.81%2.15%2.49%2.80%3.46%4.15%
28/02/20131.71%1.86%2.19%2.51%2.83%3.50%4.21%
31/01/20131.73%1.87%2.15%2.47%2.79%3.45%4.16%
31/12/20121.82%1.90%2.16%2.48%2.79%3.40%4.10%
30/11/20121.90%1.96%2.26%2.61%2.92%3.56%4.29%
31/10/20122.17%2.25%2.46%2.78%3.13%3.75%4.46%
30/09/20122.16%2.28%2.55%2.91%3.27%3.92%4.61%
31/08/20121.99%2.13%2.43%2.79%3.13%3.78%4.45%
31/07/20122.04%2.19%2.43%2.75%3.07%3.70%4.42%
30/06/20122.24%2.37%2.63%2.98%3.32%3.96%4.66%
31/05/20122.47%2.65%2.90%3.24%3.56%4.14%4.77%
30/04/20122.62%2.81%3.06%3.40%3.73%4.29%4.89%
31/03/20122.58%2.85%3.15%3.50%3.83%4.38%4.93%
29/02/20122.45%2.71%3.01%3.34%3.63%4.18%4.79%
31/01/20122.46%2.69%2.98%3.26%3.54%4.07%4.70%
31/12/20112.63%2.79%3.02%3.33%3.67%4.22%4.81%
30/11/20112.74%2.87%3.14%3.42%3.74%4.25%4.81%
31/10/20112.83%2.99%3.25%3.52%3.80%4.29%4.77%
30/09/20112.97%3.13%3.38%3.64%3.90%4.40%4.86%
31/08/20113.21%3.35%3.63%3.87%4.13%4.58%4.98%
31/07/20113.53%3.83%4.11%4.33%4.55%4.92%5.31%
30/06/20113.55%3.94%4.26%4.47%4.68%5.04%5.38%
31/05/20113.52%4.02%4.34%4.55%4.76%5.09%5.39%
30/04/20113.50%4.04%4.37%4.62%4.84%5.20%5.47%
31/03/20113.20%3.71%4.10%4.41%4.69%5.10%5.47%
28/02/20112.86%3.44%3.83%4.14%4.43%4.89%5.31%
31/01/20112.56%3.10%3.45%3.78%4.06%4.59%5.05%
31/12/20102.51%2.99%3.33%3.67%3.93%4.47%4.95%
30/11/20102.43%2.88%3.20%3.49%3.74%4.25%4.70%
31/10/20102.42%2.80%3.12%3.41%3.64%4.11%4.54%
30/09/20102.30%2.68%3.07%3.41%3.67%4.17%4.61%
31/08/20102.26%2.60%2.93%3.27%3.53%4.05%4.60%
31/07/20102.13%2.57%2.97%3.35%3.67%4.26%4.84%
30/06/20102.16%2.68%3.08%3.48%3.78%4.36%4.94%
31/05/20102.20%2.83%3.25%3.61%3.93%4.53%5.11%
30/04/20102.22%2.91%3.45%3.82%4.11%4.66%5.18%
31/03/20102.08%2.79%3.28%3.66%3.96%4.54%5.11%
28/02/20101.94%2.57%3.11%3.58%3.95%4.54%5.19%
31/01/20102.01%2.80%3.38%3.81%4.16%4.71%5.31%
31/12/20091.89%2.77%3.38%3.82%4.17%4.72%5.32%
30/11/20091.60%2.37%2.90%3.32%3.75%4.46%5.20%
31/10/20091.54%2.24%2.86%3.37%3.86%4.58%5.36%
30/09/20091.79%2.64%3.21%3.64%4.03%4.72%5.45%
31/08/20091.72%2.84%3.47%3.95%4.37%4.99%5.63%
31/07/20091.33%2.25%3.00%3.62%4.17%4.94%5.68%
30/06/20091.38%2.31%3.23%3.99%4.58%5.32%5.85%
31/05/20091.13%1.92%2.92%3.66%4.27%5.03%5.59%
30/04/20090.90%1.59%2.31%3.02%3.66%4.49%5.04%
31/03/20091.07%1.71%2.53%3.17%3.73%4.49%4.96%
28/02/20091.11%1.78%2.61%3.19%3.70%4.41%4.99%
31/01/20091.60%2.13%2.79%3.35%3.86%4.72%5.34%
31/12/20082.14%2.73%3.24%3.78%4.20%4.92%5.50%
30/11/20083.10%3.90%4.36%4.90%5.28%5.84%6.62%
31/10/20083.62%4.31%4.62%5.01%5.29%5.74%6.32%
30/09/20084.39%4.79%4.93%5.13%5.32%5.66%6.09%
31/08/20084.48%4.73%4.86%5.08%5.31%5.66%6.06%
31/07/20084.43%4.66%4.85%5.14%5.45%5.90%6.30%
30/06/20084.39%4.72%4.95%5.26%5.52%5.89%6.23%
31/05/20084.19%4.63%4.90%5.20%5.45%5.82%6.15%
30/04/20083.81%4.37%4.63%4.93%5.19%5.64%6.06%
31/03/20083.82%4.12%4.38%4.74%5.06%5.51%5.94%
29/02/20084.43%4.63%4.80%5.07%5.30%5.62%5.93%
31/01/20084.81%5.11%5.28%5.51%5.69%5.92%6.15%

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