For sale
₪ 3,550,000
6-Room Garden Apartment in Rova Zayin
HaRav Chisda, Rova Zayin (7), Ashdod
- 6rooms
- 128sqm
- groundfloor
RE/MAX TOGETHER · ASHDOD
Chaya KrausYour next home in Ashdod
Apartments, houses and penthouses across all of Ashdod — with personal, transparent guidance from the first call to the keys.
76properties available now
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All properties ←Homes worth a look
73 for sale and 3 for rent, refreshed weekly.
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₪ 2,190,000
4-room apartment on Yakinton St, Rova Het
Yakinton, Rova Het (8), Ashdod
- 4rooms
- 130sqm
- 6floor
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Why Ashdod?
Read more →A city by the sea that keeps growing
A few good reasons to live, buy and invest in Ashdod.
Sea, beaches & promenade
About 11 km of coastline, seven official bathing beaches that all fly the Blue Flag, and a seafront promenade being built along the city.
Israel's largest port
Ashdod Port is the country's largest by cargo ships and cargo volume, with the new South Port beside it: a real engine of jobs and economy.
A city on the rise
The 2017 umbrella agreement covers about 45,000 new homes, the new Park Lachish quarter broke ground in 2023, and the older quarters are seeing urban renewal.
Easy to get around
Ashdod–Ad Halom station on the Lod–Ashkelon railway, a new public-transport terminal since late 2022, and Route 4 links the city to Greater Tel Aviv and Ashkelon.
Parks & the Marina
Ashdod-Yam Park with its lake and musical fountain, Lachish Park along the river, a central park in every quarter, and a marina with about 550 berths.
Community life
A planned city of quarters, each with its own shops, schools and parks. A diverse city that suits every community and every lifestyle, with people from all over the world.
Calculators
Get your numbers straight
Three calculators you can share on WhatsApp — the result is kept in the link.
Mortgage calculator
The price of the home you’re looking at
The full price of the home. Purchase tax, lawyer, agent and renovation are paid separately and not included.
₪
Mortgage = home price minus your savings
Your own money going into the home. Under Bank of Israel rules banks finance up to 75% for a first home, 70% for upgraders and 50% for an investment home, so you need at least 25%, 30% or 50% of your own.
₪
An estimated average rate, for the calculation only
Each bank, track (prime, fixed, variable) and borrower gets a different rate, and a mortgage usually mixes several tracks. Enter one estimated average here. Your real rate comes from mortgage advice.
%
More years = lower monthly payment, but more interest
How many years you repay. A longer term lowers the monthly payment but costs more interest overall. The Bank of Israel maximum is 30 years.
yrs
Estimated monthly payment
–
- Loan amount
- Loan-to-value
- Total repaid
- Of which interest
Estimate only
What's my home-buying budget?
How much home can you buy? Enter your income and savings and we’ll work out your maximum home price.
What reaches the bank after tax, for everyone on the mortgage
The combined take-home pay (after tax) of everyone taking the mortgage, e.g. both partners. Regular extra income such as an allowance or rent can be included. If it varies, use last year’s average.
₪
Car, bank loan and similar. None? Leave 0
Loans you already pay every month: car loan, bank loan, large fixed instalments. The bank deducts them from what can go to the mortgage.
₪
About a third (33%) is recommended. The Bank of Israel allows up to 50%
This is the part of your income that goes to the mortgage each month. The Bank of Israel caps it at 50% of net income, and banks usually prefer up to about 30–40% so enough is left to live on. We start at a third (33%), which suits most families. More % = a bigger mortgage but less money left each month.
%
From an income of ₪20,000 → up to ₪6,600 a month for the mortgage
Savings, family help, money from selling a home
All your own money going into the purchase: savings, study fund, help from parents, or what is left from selling your current home. Purchase tax, lawyer, agent and moving are paid separately, so keep that aside and don’t include it here.
₪
Sets how much of the price the bank will finance
The bank doesn’t finance the whole price. Under Bank of Israel rules a first or only home can have a mortgage of up to 75% of the price, upgraders (selling their current home) up to 70%, and an investment or additional home up to 50%. The rest comes from your savings.
An estimated average rate, for the calculation only
Each bank, track (prime, fixed, variable) and borrower gets a different rate, and a mortgage usually mixes several tracks. Here you enter one estimated average. Not sure? Leave 5%. Your real rate comes from mortgage advice. A higher rate = a smaller mortgage for the same payment.
%
More years = a lower monthly payment. Up to 30 years
How many years you repay the mortgage. Longer means a lower monthly payment and a bigger possible mortgage, but more interest in total. The Bank of Israel maximum is 30 years.
yrs
Estimated maximum home price
₪1,729,000
Mortgage + savings. An estimate, before the bank checks
- Mortgage amount
- ₪1,129,000
- Your savings
- ₪600,000
- Monthly payment
- ₪6,600
What set the result: Your income
A payment of ₪6,600 a month covers a mortgage of up to ₪1,129,000. More savings won’t raise the mortgage, only the home price.
Excludes purchase tax, legal and agent fees. Financing limits per Bank of Israel directive 329. Actual approval depends on the bank.
From an income of {inc} → up to {pay} a month for the mortgageFrom an income of {inc} → {gross}, minus {debts} loans = {pay} a month for the mortgageYour incomeA payment of {pay} a month covers a mortgage of up to {loan}. More savings won’t raise the mortgage, only the home price.Your savingsThe bank finances up to {ltv}% of the price, so with {eq} of savings the mortgage is up to {loan}. Your income would allow more.Your existing loans are larger than the share of income you chose, so there is no room for a mortgage payment yet.📖 How is this calculated? Full explanation
The calculation has five steps. The example uses the calculator’s default values:
- What you can pay each month. Income × the share you chose, minus existing loans. Example: ₪20,000 × 33% = ₪6,600 a month.
- How big a mortgage that payment supports. By the rate and the years, using the standard fixed-payment (annuity) formula banks use. Example: ₪6,600 a month, 5%, 25 years → a mortgage of about ₪1,129,000.
- The Bank of Israel financing cap. The bank finances only part of the price; the rest is your savings. For a first home (75%) with ₪600,000 of savings the price can reach ₪2,400,000, i.e. a mortgage of up to ₪1,800,000.
- Take the smaller of the two. Here ₪1,129,000 is less than ₪1,800,000, so income sets the limit.
- Add your savings. ₪1,129,000 + ₪600,000 ≈ ₪1,729,000. That is the estimated maximum home price.
How much the bank finances, by purchase type
- 75% – First / only home
- 70% – Upgrading (selling a home to buy another)
- 50% – Investment / additional home
Why 33% and not 50%?
The Bank of Israel caps the monthly payment at 50% of net household income, but that is a ceiling, not a recommendation. Most banks prefer up to about 30–40%, and above 40% an application gets a closer look. A third of income leaves enough to live on and for surprises.
Good to know
The result is an estimate. The bank also checks job stability, credit history, age and other commitments, and the rate depends on the track and the bank. Purchase tax, lawyer and agent fees are not included, so keep money aside for them.
Want an exact answer? In a consultation you’ll get the real amount the bank will approve and a mix that suits you.
Mortgage advice on WhatsAppPurchase tax calculator
The price in the contract
Purchase tax is charged on the contract price in brackets: each slice of the price has its own rate. For a sole home the first slice is tax-free. The final amount is set by the Tax Authority assessment.
₪
Brackets are cumulative: each rate applies only to the part of the price inside that bracket. The "additional apartment" rates also apply to any residential purchase by someone who is not an Israeli-resident individual. The definition of a "sole apartment" has exceptions (e.g. owning up to a third of another apartment, an inherited share, or selling the previous home within 18 months) — check with a lawyer. This calculator gives an estimate only; the binding amount is the Tax Authority's assessment.
Estimated purchase tax
–
- Effective rate
| Bracket (₪) | Rate | Tax |
|---|
Brackets in force for purchases from 16 Jan 2025. Sole apartment: through 15 Jan 2028 (amounts frozen). Additional apartment: through 10 Feb 2027 (temporary order, extended after the Knesset dissolved).
Source: Israel Tax Authority — הוראת ביצוע מיסוי מקרקעין 1/2026: עדכון הסכומים והקפאת הסכומים (18.01. · הוראת ביצוע 1/2026 (עמוד המידע)
Mortgage advice
Mortgage eligibility check
Leave your details and I will get back to you for a no-obligation check.
Home valuation
What is your home worth?
Leave a few details about the property and I will get back to you to arrange a meeting. A precise professional valuation happens at the property.
About me
Nice to meet you, I am Chaya Kraus
A real-estate agent at RE/MAX Together Ashdod. I have lived in Ashdod for many years and know the city closely. For me, real estate is first of all about people: I listen, understand what really matters to you, and work professionally and with complete transparency.
Articles
All articlesWorth knowing before you buy
Apartment Prices in Ashdod: What's Happening in the Market
The latest CBS and Finance Ministry data on prices and deal volume nationally, in the south and in Ashdod, and what it means for buyers and sellers.
7 First-Time Buyer Mistakes (and How to Avoid Them)
From mortgage pre-approval to home inspection: the seven most common first-time buyer mistakes, and simple steps that save money and stress.
How to Calculate Purchase Tax: A Simple Guide
Today's brackets for a sole and an additional home, how the cumulative calculation works, and a full worked example for an Ashdod apartment.