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Eligibility check — State mortgage for Ethiopian olim

A binary check: eligible or not, against the official programme criteria.

The official Ministry of Construction & Housing programme grants the same loan amount, term, and rate schedule to every approved family. This calculator only checks whether you meet the criteria — it does not estimate a personal amount, because there isn't one.

Eligibility questions

Origin — any one ‘yes’ is enough
Family status
Real-estate ownership

What the programme covers

Loan amount
₪600,000
Repayment term
25 years
Years 1–10 interest rate
0.0%
Years 11–25 interest rate
2.0%
Required equity
5% up to ₪600,000, 25% above
Annual quota
approx. 200 families by lottery

How it works in practice

  1. Register at a participating bank branch (₪70 fee) to obtain an eligibility certificate.
  2. Submit the eligibility certificate together with origin documentation.
  3. Annual lottery — about 200 families are drawn from the eligible pool.
  4. Use the loan within 4 months of the draw, up to 99% of the property price.

Required documents

  • Israeli identity card
  • Oleh certificate or Ethiopian community affiliation confirmation
  • Proof of Ethiopian origin (yours, a parent's or spouse's)
  • 3 most recent payslips
  • 3 months of bank statements
  • Marriage certificate (if married)
  • Land registry extract / no-property certificate

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Frequently asked questions

Who is eligible for the Ethiopian olim mortgage?
Anyone born in Ethiopia, their direct children (second generation) aged 21+, and their spouses — provided they do not currently own property. Eligibility is binary: you either meet the criteria or you don't.
What is the loan amount?
₪600,000 over 25 years: 0% interest for the first 10 years, then 2% for years 11–25. The loan amount is identical for all qualifying applicants — it does not vary by income.
Are second-generation Israeli-Ethiopians eligible?
Yes. Children of Ethiopian-born olim qualify even if born in Israel — as long as their parents were born in Ethiopia and they themselves meet the age and ownership conditions.
How do I start?
Apply at a participating bank with your oleh certificate or community affiliation confirmation, 3 months of payslips and bank statements. It is recommended to work with a community mortgage adviser.
What documents are required?
Israeli ID, oleh certificate or Ethiopian community affiliation confirmation, proof of Ethiopian origin (yours, a parent's or spouse's), 3 recent payslips, 3 months of bank statements, marriage certificate if married, and a land registry extract or no-property certificate.
When is the lottery held?
The lottery takes place once a year, usually at the end of the fiscal year. The exact date is published on the Ministry of Construction and Housing website. It is advisable to obtain an up-to-date eligibility certificate in advance — it can be issued at any time.
Can this be combined with other housing programmes?
It can be combined with Mechir Lamishtaken (Price for the Resident) under certain conditions, but not with other state loan tracks. Check with your bank which combinations are permitted before applying.
My application was rejected — what now?
You may submit a written appeal to the Ministry of Construction within 30 days. It is recommended to contact TEBEKA (free legal representation for the Ethiopian community) for assistance drafting the appeal.