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In forceHousing loans (mortgages)Last checked 11 November 2026

Housing loans (876)

A regulatory return listed by the Bank of Israel (Banking Supervision Department), Israel.

Reports new and refinanced housing loans by loan-to-value, property value and payment-to-income ratio, plus balances, arrears, collection, repayments and loans in legal proceedings. It is the supervisor's main monthly view of mortgage lending. Source

Official title: דוח על הלוואות לדיור

The facts

Who files
Every banking corporation (including foreign banks) whose housing credit balance exceeds NIS 1 billion. A bank is exempt when its balance has been below NIS 1 billion for three consecutive months before the current month. Source
How often
Monthly. Source
Deadline
Within 20 days of the end of the reported month. Source
Format
XBRL-XML. XBRL instance filed online to the Bank of Israel. Taxonomy version 12 lists a change to table 9 of directive 876. Source
How it is filed
The format above is what the library records; what could not be verified is on the Bank of Israel's page.
Status
In force
Group
Housing loans (mortgages)

Templates (10)

The tables and forms inside the return. Plain name first, the Bank of Israel's code in brackets.

  • Loans made and refinanced during the month by loan-to-value ratio (LTV) and linkage segment (876-01)
  • Loans made during the month by LTV and value of the purchased property (876-02)
  • Loans made during the month by LTV and payment-to-income ratio (876-03)
  • Housing loan balances by linkage segment (on- and off-balance-sheet) (876-04)
  • Housing loan balances by borrower's credit size (876-05)
  • Arrears on loans and related credit loss allowance balances (876-06)
  • Loans for residential purposes by extent of collection (876-07)
  • Repayments of housing loans during the month (876-08)
  • Housing loans: loans made by LTV (876-09)
  • Housing loans in legal proceedings, eviction from the property and sale of the property (876-10)

Where the list was read: Source

Validation rules

The Bank of Israel publishes the checks it runs on this return. They could not be counted from the published material. Software can run them exactly as published. Source

How they are written: XBRL Formula 1.0 value assertions in the taxonomy package (val folder, files vr-*.xml grouped in assertion sets per table, severity fatal or warning), per the Bank's taxonomy documentation.

The rules, on boi.org.il

How they were counted

Not counted. The checks are XBRL Formula assertions inside the taxonomy package, which is linked only from the XBRL page; that page blocks automated access and the package file could not be located.

Counts are in the Bank of Israel's own unit, so they are not comparable with other regulators' counts.

Public data

Published only added up across firms. Housing loan balances, volumes and rates citing directive 876 data points are published monthly for the banking system in the Bank's statistics database (dataflows BMB_99 'Balances for housing', BIR_MRTG_99 and website series WEB_M). Source

Where it is published (SDMX (CSV or SDMX-ML) via API)

  • Website series, monthly (WEB_M)

    Firm by firm · SDMX 3.0 API (CSV or SDMX-ML)

    Monthly series behind the Bank's website tables, bank by bank and for the system, citing data points of directives 821, 822, 823, 823A and 876. Bank-level series were seen for directives 822 and 823. Latest period seen: 2026-09. Source

  • Housing loans: interest rates and business volume (BIR_MRTG_99)

    Added up across firms · SDMX 3.0 API (CSV or SDMX-ML)

    Monthly housing loan rate and volume series for the banking system, citing data points of directives 876 and 877. Latest period seen: 2026-09. Source

  • Balances for housing (BMB_99)

    Added up across firms · SDMX 3.0 API (CSV or SDMX-ML)

    Monthly housing loan balance series for the banking system, citing data points of directive 876. Latest period seen: 2026-08. Source

Official documents (10)

The Bank of Israel's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see Bank of Israel's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 11 November 2026.