May 4, 2006 11:48
1 minute read.


Dear Reader,
As you can imagine, more people are reading The Jerusalem Post than ever before. Nevertheless, traditional business models are no longer sustainable and high-quality publications, like ours, are being forced to look for new ways to keep going. Unlike many other news organizations, we have not put up a paywall. We want to keep our journalism open and accessible and be able to keep providing you with news and analyses from the frontlines of Israel, the Middle East and the Jewish World.

As one of our loyal readers, we ask you to be our partner.

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Thank you,

Ronit Hasin-Hochman, CEO, Jerusalem Post Group
Yaakov Katz, Editor-in-Chief


Loan TypeProsCons
Fixed rate, Shekel-denominated, CPI-linked
  • When interest rates are low, a low rate can be locked in for the long term.
  • The outstanding balance of the loan is adjusted by the inflation rate.
  • Even if salary increase is above the inflation rate in the long term, in the short term, salaries may lag behind the inflation rate.
  • Prepayment penalties.
Floating rate, Shekel-denominated, $ or £ linked
  • Good for those whose salaries are $ or £ linked or denominated.
  • Loan can always be refinanced if NIS/$ rate deteriorates or if floating interest rates rise.
  • No prepayment penalties.
  • Interest rate shocks.
  • NIS/$ typically adjusts when inflation is rising and fixed rates are going up leaving limited refinancing options.
Floating rate, Shekel-denominated, non-linked
  • Even in hyper-inflationary environments, the balance is not adjusted.
  • No prepayment penalties.
  • Interest rate shocks.
  • When inflation is high, the Israeli Prime Rate typically rises as well.
  • A very low fixed rate can be locked in for the period before the reset date.
  • No prepayment penalties at the reset date.
  • Excellent for those borrowers who can time a reset date to coincide with an expected salary bonus/maturing of keren hishtalmut.
  • Interest rate shocks if no good refinancing option is available.

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