טבלה ריבית משכנתא ממוצעת צמוד

ממוצע ריביות משכנתא

ריבית ממוצעת על הלוואות המשכנתא "עוגן" ו "B" כשמה כן היא, ממוצע הריביות אשר הבנק נותן על הכסף אותו הוא מוכר כנגד הלוואות משכנתא - כלומר, הלוואות כנגד שעבוד נכס. ריבית זו נקבעת גם על הלוואות משתנות צמודות למדד וגם על הלוואות משתנות לא צמודות למדד.

ממוצע הריבית על הלוואות המשכנתא, מורכבת הן מהלוואות הניתנות לרכישת דירה, הן לבנייה, רכישת מגרש, הלוואות כנגד התרי בנייה וגם כנגד הלוואות שניתנות לכל מטרה אחרת כנגד שיעבוד נכס בבנק למשכנתאות. 

את הריביות האלו ניתן יהיה לזהות בחלק מהבנקים כ – "B" (בנק הפועלים לדוגמא) או כ "ע" ("עוגן" בבנק לאומי).

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!!! הריבית הממוצעת על המשכנתאות המשרתת אותנו בהלוואות המשתנות ומוגדרת בבסיס כריבית "עוגן".

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
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%
11/07/2017 3.56% 2.99% 3.51% 3.97% 4.12% 4.16% 3.69%
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%
30/11/-0001 3.13% 2.75% 3.06% 3.61% 3.78% 3.79% 3.28%

רוצים לבדוק מה הריבית שאתם יכולים לקבל מהבנקים?