How to check a mashkanta for free: four ways and what each one knows

There are four free ways to check a mashkanta, and each answers a different question. In «Kav HaMashve» (קו המשווה), the Bank of Israel's comparison service, you see what rate each bank gave on average; a calculator on a bank's site estimates the monthly payment; Supermarker shows the averages of the big banks for your sum; and here you check your own document, maslul by maslul. None of them makes an offer: your rate is set by the bank.

Check your mashkanta against what banks give today

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In the table: what you enter in each way, what you get, what it does not have, and what happens to your details. Every point about another site was checked on that site, and the date is at the end of the page.

The four ways side by side

The way	What you enter	What you get	What it does not have	Who gets your details
The Bank of Israel's «Kav HaMashve» (קו המשווה)	Nothing about you. You pick a month and a bank.	For each of seven banks: the average rate it actually gave in each type of maslul, what share of the mashkantas it gave was of each type, and the expected total rate, which sums up the price of the mashkanta over the whole term, including the payments expected in future. The numbers come from the banks' own reports, for a month that has already ended.	Your own mashkanta: it has no sum, term, rate of yours or early repayment fee (עמלת פירעון מוקדם). It is an average of all the mashkantas the bank gave that month, for a general comparison only.	There is no form for details: you see the data without a name, phone or email.
A bank's online calculator	Sum and term, or the home's price and your own capital, and in some calculators also maslulim.	An estimate of the monthly payment and of the expected total rate, at rates the bank chose for the calculation. At Leumi, for example, these are the Bank of Israel averages of the previous month plus a margin. Some calculators also show the three uniform baskets: mixes the Bank of Israel set, the same at every bank.	A comparison with other banks, and a check of the mashkanta you have today. The result is an estimate, not an offer.	You see the estimate without giving details. If you leave details or apply, they go to the bank itself.
Supermarker	What you plan (a new mashkanta or refinancing), the type of maslul, term, sum, and what part of the home's price is financed. In the refinancing check, also your average rate from the balance statement and the costs of switching.	For the five big banks: the average rate each bank gave, from «Kav HaMashve», the monthly payment and the total of payments, and the fee for opening the loan as the site collected it. In the refinancing check: how much you save against the lowest of their fixed unlinked rates.	The refinancing check on the comparison page leaves out the early repayment fee, and the whole mashkanta is checked at one average rate. A maslul by maslul check with the fee is, according to the site, in its separate refinancing calculator. And there is no offer there.	You can compare without giving details. If you leave details, for example for a check with a mashkanta advisor, they are passed to bodies that work with the site, and the site is paid for it (so says its «How we compare» page).
mixo, this site	An uploaded balance statement (דוח יתרות) or ishur ekroni (approval in principle), or the maslulim typed in without a document.	From a balance statement: each maslul against the Bank of Israel average rate for the same type, what it costs to leave it today, and a sheet of what to ask the bank for. From an ishur ekroni: each maslul of the offer against the rates given today.	An average for each bank separately: the comparison is against the average of all banks together. And there is no offer here: the site does not apply to banks and does not negotiate.	The check asks for no name, phone or email. If you leave a name and phone on the «A mashkanta advisor will call you back» page, they go to one advisor who works with us, so that he calls you back. What happens to an uploaded document: on the «Privacy policy» page.

Which way suits what

You want to know which bank gives a lower rate on average: «Kav HaMashve» (קו המשווה), or Supermarker, which shows the same data for your sum and term. Remember that this is an average over all customers, and the rate you get may differ.

No mashkanta yet, and you want a rough idea of what you will pay each month: a bank's calculator. A real offer comes later, and only in an ishur ekroni from the bank.

You have a mashkanta, or an ishur ekroni in hand: here, with the document itself: each maslul is checked on its own, together with what it costs to leave it.

How to check here

Upload the balance statement for a check and see, maslul by maslul, where your rate is above the average and what it costs to leave. No statement? You can type in the maslulim, and the calculation is the same.

Before any step, check with your bank. The payoff balance, the early repayment fee and the rate on a new offer are set by the bank, and its figure is the one that counts.

Sources and dates

The mashkanta page of the Bank of Israel's «Kav HaMashve», the calculators on the Mizrahi-Tefahot and Leumi sites, and Supermarker's mashkanta comparison page and «How we compare» page: read on 06/11/2026, to be checked again by 06/02/2027. What is said about this site: from the «Privacy policy» page and the terms of use. Published 06/11/2026.

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