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Free Mortgage Counselling — Guide for Those Entitled in Kiryat Gat
The Ministry of Housing funds free mortgage counselling for housing benefit recipients. A certified adviser saves tens of thousands of ILS in interest.
About Kiryat Gat
Kiryat Gat has one of the highest proportions of Israeli-Ethiopian community members relative to total population in Israel. The community has been active in the city for decades, with a broad network of organisations, schools and initiatives — and a correspondingly high demand for fair housing options.
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: 600K loan applicants, Homot grant applicants, new immigrants (up to 5 years), senior citizens (67+), public housing tenants buying an apartment.
How to access: Contact regional Housing Ministry → request "mortgage counselling" → free certified adviser assigned.
📞 Ministry of Housing: *5442
About Kiryat Gat
Related rights
Community Mortgage — 600,000 ILS for Ethiopian-Israelis
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).
Mortgage Guide for Ethiopian-Israelis 2026
Complete guide to all mortgage programs available to Ethiopian-Israelis: the 600K loan, Homot grant, 90% financing eligibility, and special interest tracks.
Right to Public Housing — Waiting List and How to Apply
Low-income families with long residency can apply for public housing. Average wait: 8-15 years, but special eligible groups receive priority.
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.