ריבית משתנה על בסיס האג"ח לא צמודות במזרחי טפחות
טבלה אג״ח ממשלתיות לא צמודות מזרחי טפחות
משכנתא בריבית משתנה על בסיס האג"ח במזרחי טפחות היא למעשה, מסלול הלוואה בריבית משתנה, כאשר תשואת האג"ח מהווה את הבסיס (עוגן) לחישוב הריבית נכון ליום לקיחת ההלוואה ובסיס לחישוב שינוי בריבית בנקודת שינוי הריבית.
עוגן האג"ח של משכנתאות אלו מבוסס על תשואת איגרות חוב ממשלתיות מסוג גליל או גילון.
אג"ח גליל = אג"ח צמודה למדד בריבית קבועה.
אג"ח גילון = אג"ח לא צמודה בריבית משתנה.
תשואת האג"ח משתנה פעמים בחודש בתאריכים 11 ו 26 בהתאמה. להלן טבלת היסטורית תשואות האג"ח הלא צמודות.
| תאריך עדכון | שנתיים | 5 שנים | 7 שנים |
|---|---|---|---|
| 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% |
| 30/11/-0001 | 0.56% | 1.15% | 1.47% |
