Financing Benefits and Demand for Safe Rooms in the Housing Market

In depth

The share of new apartments sold with financing benefits in September stood at about 45%, according to Treasury data, the highest since March 2025. In the resale market, 67% of transactions in August involved apartments with a safe room (mamad), compared with 45% of all apartments. Developers are increasing financing benefits for buyers, and the new-apartment market is still stagnating. 26 thousand new apartments have already been sold this year.

The Treasury does not expect a decline in sales compared with 2025. The luxury market is seeing stability in the number of transactions, with Israeli residents leading the purchases. At the same time, demand for resale apartments with a safe room is surging, with a particularly marked gap between demand and supply in Sharon and Jerusalem.

45% of the new apartments that developers marketed in September on the free market were sold using financing benefits, the highest share since the Bank of Israel imposed restrictions in March 2025. Demand for apartments with a safe room in the resale market jumped in August, while only 45% of apartments in the market include a safe room.