Home / Rights & Programs / Free Mortgage Counselling — Guide for Those Entitled
Free Mortgage Counselling — Guide for Those Entitled in Ramla
The Ministry of Housing funds free mortgage counselling for housing benefit recipients. A certified adviser saves tens of thousands of ILS in interest.
About Ramla
Ramla, conveniently located near Tel Aviv and Ben Gurion Airport, hosts an Israeli-Ethiopian community that benefits from the city's strategic location. Ramla's housing market offers apartments at relatively accessible prices for the central region, attracting residents seeking easy access to greater Tel Aviv.
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
Ethiopian community in Ramla
- Community population
- ~5,000
- Share of city
- ~8%
- Main neighbourhoods
- שכ' ד', מרכז
- Community services
- ENP, מרכז קהילתי
More rights in Ramla
This right in other cities
FAQ — Ramla
- How many Ethiopian-Israelis live in Ramla?
- The Ethiopian-Israeli community in Ramla numbers approximately ~5,000 residents — around ~8% of the city's population. Main neighbourhoods: שכ' ד', מרכז.
- How do I claim Free Mortgage Counselling — Guide for Those Entitled in Ramla?
- Apply via the Government Housing Authority website or the local Ministry of Construction office in Ramla. For support: ENP, מרכז קהילתי.
- What community support is available in Ramla for this right?
- In Ramla, the following organisations can assist with paperwork, translation and entitlement: ENP, מרכז קהילתי.
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.
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.