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RealFix Finance
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RealFix Finance
Receive a complimentary initial consultation and discover your financial potential. Response guaranteed within 48 hours.
The 2026 interest forecast is here. Learn how to perform smart refinancing, consolidate debt, and save hundreds of thousands using the Hunter methodology.
Current Prime
5.5%
Stable since Q3 2025
Expected H2 2026
4.75-5%
Gradual decrease expected
Optimal Action
Now
Lock in before crowds
Don't just check your bank. Compare ALL banks + insurance companies + non-bank lenders. The spread between best and worst offer can be 1%+ - that's ₪100K+ over 20 years.
The right combination of Prime, CPI-linked, and Fixed tracks matters. In 2026, we recommend: 33% Prime + 33% Fixed 5yr + 34% CPI-linked for balanced risk.
Don't wait for the "perfect" rate - by then, everyone else is refinancing and banks get picky. Move early when rates start dropping, not after.
If you have other debts (credit cards, loans), consolidate them during refinancing. Converting 15% debt to 5% mortgage saves thousands monthly.
Monthly Savings: ₪2,450 | Annual: ₪29,400 | 20-Year Total: ₪588,000
Free mortgage analysis - we'll show you your savings potential
Mortgage Refinancing
Consider refinancing when: Interest rates have dropped 0.5%+ since you took the mortgage, you have 10+ years remaining, you want to consolidate other debts, or you need to extract equity. Generally, if you can save ₪500+/month, it's worth exploring.
The information and simulations presented on this website are for illustrative purposes only and do not constitute a binding offer for credit or financial advice. Credit Approval: Subject to final underwriting, clean credit data (positive credit score), clean banking history, and meeting the threshold requirements of the financing institutions. Interest Rates: The interest rates displayed are estimates only, based on average market data, and may change at any time according to the client's individual risk profile and economic conditions (Bank of Israel interest rate changes / CPI). No Commitment: RealFix does not guarantee loan approval or the terms displayed in the calculator. E&OE.