הגענו לניתוב אחרי שאף יועץ משכנתאות לא באמת הצליח לעזור לנו. מהרגע שפנינו אליהם קיבלנו ליווי מקצועי, יסודי ושקוף, והם ניהלו עבורנו משא ומתן מוצלח מול הבנקים — בסוף יצאנו עם ריביות ותנאים טובים בהרבה.
Guiding youto success
A mortgage isn't just rates and tracks. It's a decision that shapes years to come. We map the full picture, build a precise strategy, negotiate with the banks on your behalf, and stay with you all the way to signing — with clarity, order and confidence.
Nituv in numbersFrom 2017 to today
families guided0+
in mortgages handled₪0M
years of expertise0
Among our clients
We work with every bank and lender in Israel
Meet the team
Before you set out, meet your navigators.
Nituv has been guiding families across Israel since 2017 with professional, personal, conflict-free mortgage advice — the kind that knows both you and the bank.
The bank knows your numbers. We also know the story behind them — and without the story, the mix never truly fits.— The Nituv team
Omer Ezra
CEO & Owner
Shahar Kaduri
Mortgage advisor
Ofir Segal
Accountant
Adv. Sahar Shiachi
Mortgage advisor
Tamir Zalait
Insurance agent
Operating under regulation, in full transparency and with proven reliability — recognized by the field's leading bodies.
Client stories
What do they sayabout us?
Hundreds of families and employees of leading organizations choose Nituv — from the first call to the signature.
Trusted by employees of Israel's leading companies and organizations
In their words
חברה מעולה. פז ליווה אותנו לאורך כל הדרך, גילה סבלנות, אמפתיה ומקצועיות. הוא דאג להסביר את כל התהליך במילים פשוטות והיה קשוב לכל שאלה. תודה רבה — בלי ספק אקח ואמליץ על השירות המדהים.
מקצועיות, אמינות, אדיבות והקשבה עד לפרט האחרון! ממליצה בחום לקבל ליווי משכנתא איכותי כזה, כשמדובר בנושא כל כך חשוב.
הגענו לניתוב אחרי שאף יועץ משכנתאות לא באמת הצליח לעזור לנו. מהרגע שפנינו אליהם קיבלנו ליווי מקצועי, יסודי ושקוף, והם ניהלו עבורנו משא ומתן מוצלח מול הבנקים — בסוף יצאנו עם ריביות ותנאים טובים בהרבה.
חברה מעולה. פז ליווה אותנו לאורך כל הדרך, גילה סבלנות, אמפתיה ומקצועיות. הוא דאג להסביר את כל התהליך במילים פשוטות והיה קשוב לכל שאלה. תודה רבה — בלי ספק אקח ואמליץ על השירות המדהים.
מקצועיות, אמינות, אדיבות והקשבה עד לפרט האחרון! ממליצה בחום לקבל ליווי משכנתא איכותי כזה, כשמדובר בנושא כל כך חשוב.
The journey with Nituv
01Mapping
We begin
with precise mapping.
Understanding the full picture: equity, income, constraints, goals and preferences. Before moving forward, you need to know exactly where you're starting from.
02Planning
We continue
with the right plan.
We build a strategy and a mortgage mix that fit you — not a generic solution or a quick answer, but a decision grounded in the reality of your life.
03Negotiation
We go in
to the negotiation prepared.
We approach the banks the right way, compare alternatives, and examine the terms from a clear, orderly, well-grounded position.
04Approval
We advance
to an orderly approval.
We guide you through the documents, the checks and every step needed to move forward without confusion and without losing control of the process.
05Arrival
We arrive
at the signature with confidence.
At the end of the road, the goal isn't just an approval — it's reaching a decision that's more right, clearer, and a better fit for your life.
The journey with Nituv
The journey with Nituv1 / 5
01Mapping
We begin
with precise mapping.
Understanding the full picture: equity, income, constraints, goals and preferences. Before moving forward, you need to know exactly where you're starting from.
02Planning
We continue
with the right plan.
We build a strategy and a mortgage mix that fit you — not a generic solution or a quick answer, but a decision grounded in the reality of your life.
03Negotiation
We go in
to the negotiation prepared.
We approach the banks the right way, compare alternatives, and examine the terms from a clear, orderly, well-grounded position.
04Approval
We advance
to an orderly approval.
We guide you through the documents, the checks and every step needed to move forward without confusion and without losing control of the process.
05Arrival
We arrive
at the signature with confidence.
At the end of the road, the goal isn't just an approval — it's reaching a decision that's more right, clearer, and a better fit for your life.
All the numbers of the deal, in one place.
Your mortgage mix, purchase tax, monthly payment, compound interest and rental yield — transparent and instant, no forms and no surprises.
Purchase tax calculator
How much purchase tax you'll pay on the property — by the current tax brackets.
Total purchase tax₪20,538
Effective rate0.82%
Total cost (property + tax)₪2,520,538
Purchase type
₪2,500,000
Breakdown by bracketTax brackets · מוקפא עד 15.1.2028
| Rate | Slice of value | Tax |
|---|---|---|
| 0%up to ₪2M | ₪1,978,745 | ₪0 |
| 3.5%₪2M–₪2.3M | ₪368,295 | ₪12,890 |
| 5%₪2.3M–₪6.1M | ₪152,960 | ₪7,648 |
For Israeli residents, standard purchases only — excludes new immigrants, disability tracks and other special cases. To verify against the official figure, use the Israel Tax Authority's simulator.
For illustration only · not advice and not a commitment
Want to turn the numbers into a plan of action?
Leave your details for a call with an advisor — no commitment.
Contact
You've arrived— let's meet on the channel that suits you.
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