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Community Mortgage — 600,000 ILS for Ethiopian-Israelis in Kiryat Bialik
Govt loan for Ethiopian-Israeli families: ₪600,000 over 25 years, 0% interest for the first 10, 2% for the next 15. Allocated by annual lottery (~200 families).
About Kiryat Bialik
Kiryat Bialik, one of the Kiryot settlements adjacent to Haifa, hosts a small Israeli-Ethiopian community. The city offers accessible real-estate prices relative to Haifa and easy access to employment areas and educational institutions in the north.
Who is eligible?
Any household where at least one criterion holds:
- One of the spouses was born in Ethiopia
- One of the spouses' parents was born in Ethiopia
- The couple is defined as "Falash Mura" with confirmed aliyah
Loan terms
- Amount: ₪600,000
- Term: 25 years
- Rate: 0% for the first 10 years, 2% for the next 15
- Down payment: 5% of property value
- Registration: ₪70 at a participating bank branch (annual lottery)
How to apply
- Register at a participating bank branch (Leumi / Discount / Igud)
- Wait for annual lottery results (~200 winners)
- On winning, the bank sends approval to sign a purchase contract
- Submit documents: ID, income proof, absorption-program confirmation (if relevant)
Quick eligibility check — mortgage calculator.
Ethiopian community in Kiryat Bialik
- Community population
- ~2,000
- Share of city
- ~4%
- Main neighbourhoods
- שכ' ג', מרכז
- Community services
- ENP
More rights in Kiryat Bialik
This right in other cities
FAQ — Kiryat Bialik
- How many Ethiopian-Israelis live in Kiryat Bialik?
- The Ethiopian-Israeli community in Kiryat Bialik numbers approximately ~2,000 residents — around ~4% of the city's population. Main neighbourhoods: שכ' ג', מרכז.
- How do I claim Community Mortgage — 600,000 ILS for Ethiopian-Israelis in Kiryat Bialik?
- Apply via the Government Housing Authority website or the local Ministry of Construction office in Kiryat Bialik. For support: ENP.
- What community support is available in Kiryat Bialik for this right?
- In Kiryat Bialik, the following organisations can assist with paperwork, translation and entitlement: ENP.
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