How this works
Price equity is the price less the loan actually used. Financing limits come from the mortgage library and Directive 329. Purchase tax uses the tax library and your selected tax status, which is separate from the financing profile. The additional-home rates are the verified 2026 schedule; recheck the order for a 2027 purchase.
For a new home at or below ₪4,642,750, the developer's legal registration fee is capped at the lower of ₪5,915 or 0.5% of the price, before VAT. Above that price, this cap does not apply. The developer's lawyer does not replace your own. The indexed fixed amount updates each January; the 2027 amount is not yet verified.
VAT on taxable professional fees is 18%, effective from 1 January 2025. Enter fees before VAT and select whether it applies. The purchase price is the total contract price, including any VAT already in it; the calculator never adds VAT to the apartment price or purchase tax. A mortgage file fee cannot exceed ₪360; no VAT is added to that bank fee.
Your lawyer's default is the low end of a published 0.5% to 1.5% range plus VAT. It is not a quote. Appraisal, agent and other fees need your quote and begin excluded. Add registration, translation, insurance, transfer, inspection and other cash costs in the other-costs line. Construction index additions are excluded here; budget them with the payment planner.
Cash at signing includes the assumed signing share and items marked signing. Price equity is the total own contribution to the price, not a second payment to add to signing cash. All-in cash is equity plus tax and every included fee. Purchase tax is normally due within 60 days of sale; confirm any lawful deferral with your lawyer.
Worked example
With price ₪6,800,000, a half-price mortgage leaves ₪3,400,000 of equity. The foreign-resident purchase tax is ₪558,899. The default included fees total ₪40,480, so all-in cash is ₪3,999,379. Cash at signing is ₪1,400,120. Unquoted fees remain excluded; add them before using this as a budget.
Questions about mortgages for foreigners
Do I add signing cash to the equity?
Signing cash includes part of the price equity. Do not add it again. The all-in total already includes all equity, purchase tax and the included fees once.
Does the developer legal-fee cap cover every apartment?
It applies only up to ₪4,642,750. Above that price, enter the contracted fee. Below it, the ceiling is the lower of ₪5,915 and 0.5%, before VAT.
Can I buy without a mortgage?
Set the loan to zero. Equity then equals the full price. Mortgage appraisal and file costs drop out, while purchase tax and other selected fees remain.
Why are some fees zero?
They have no verified quote for your purchase. Zero excludes them, it does not mean the service is free. Enter agent, appraisal and other costs yourself.
Can I change the tax amount or payment timing?
Yes. A lawyer's assessment can replace the computed tax. Every fee has an editable payment stage. The tax deadline is separate from delivery of the apartment.
Are index additions and future interest included?
No. Use the payment planner for construction index additions and the mortgage tool for repayments. This total budgets acquisition cash, not lifetime loan cost.
Sources
Each link opens the publication the figures on this page were read from.
- Sale Law legal-expense regulations
- Kol Zchut: 2026 indexed legal-fee amount
- Tax Authority: VAT interpretation 01/2025
- Bank of Israel: mortgage file-fee ceiling
- Published lawyer-fee range, Ogen
- Bank of Israel: financing limits
- Tax Authority: purchase-tax instruction 1/2026
Sources checked on .
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