Home / Rights & Programs / Free Mortgage Counselling — Guide for Those Entitled
Free Mortgage Counselling — Guide for Those Entitled in Sderot
The Ministry of Housing funds free mortgage counselling for housing benefit recipients. A certified adviser saves tens of thousands of ILS in interest.
About Sderot
Sderot, located adjacent to the Gaza border, hosts a long-established Israeli-Ethiopian community that has dealt with security challenges alongside economic hardship. The community has demonstrated remarkable resilience, and development projects in the city offer new housing opportunities.
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 Sderot
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.