Free Mortgage Counselling — Guide for Those Entitled
The Ministry of Housing funds free mortgage counselling for housing benefit recipients. A certified adviser saves tens of thousands of ILS in interest.
Why Professional Advice?
Most people choose mortgages alone — and lose tens of thousands of ILS in unnecessary high interest. A certified mortgage adviser compares all bank offers, explains interest tracks (fixed, variable, prime), and ensures you use all eligible benefits.
Free Counselling — Who Qualifies?
Ministry of Housing free counselling for: applicants to the absorption-centre housing grant (Decision 1103), new immigrants (up to 5 years), senior citizens (67+), and public housing tenants buying an apartment.
How to access: Contact regional Housing Ministry → request "mortgage counselling" → free certified adviser assigned.
📞 Ministry of Housing: *5442
Related rights
Mortgage for Ethiopian Israelis — Community Mortgage, 600,000 ILS
The programme is real but **registration is closed** — there is no open lottery, and the ministry has removed its programme pages. The terms as set: up to ILS 600,000 over 25 years, 0% interest for the first 10 years and 2% for the next 15.
Mortgage Guide for Ethiopian-Israelis 2026
What still exists and what has closed: the ₪600,000 loan is not open for registration, and the absorption-centre housing grant for olim from Ethiopia (Decision 1103) is the active route — ₪235,000 to ₪650,000 by family composition.
Public Housing — who qualifies, how to apply, and what actually decides
Eligibility for public housing is set by a Ministry of Construction and Housing certificate, scored on age, marital status and children. Waiting time varies by area and score — seniority counts from the application date, so apply anyway.
Military Discharge Benefits for Ethiopian-Israeli Veterans
Ethiopian-Israeli discharged soldiers are entitled to a discharge grant of up to 120,000 ILS, an education scholarship, mortgage points, and preference in civil service.