{
  "period": "2026-08",
  "publishedAt": "2026-09-14",
  "sources": {
    "cpiIndexed": {
      "url": "https://www.boi.org.il/boi_files/Pikuah/n11a.xls",
      "sheet": "L11.1",
      "table": "לוח י״ד-11.1",
      "sha256": "ca07e2880ec54ac67eb1d78988e66eed2cedfed459dae4fc8210c65aa6ebee9f"
    },
    "unindexed": {
      "url": "https://www.boi.org.il/boi_files/Pikuah/n11b.xls",
      "sheet": "L11.2",
      "table": "לוח י״ד-11.2",
      "sha256": "414b42ba332953f9971fcd7acc20ccda5f84d0ef4b4c7a1530c58746ab6ab461"
    }
  },
  "tracks": {
    "fixed": {
      "rate": 4.62,
      "avgTermYears": 18.97
    },
    "prime": {
      "rate": 4.37,
      "margin": -0.74,
      "anchor": 5.11,
      "avgTermYears": 27.17
    },
    "variable": {
      "rate": 4.42,
      "margin": 0.31,
      "anchor": 4.11,
      "avgTermYears": 26.96
    },
    "cpiFixed": {
      "rate": 3.29,
      "avgTermYears": 17.33
    },
    "cpiVariable": {
      "rate": 3.19,
      "margin": 1.55,
      "anchor": 1.64,
      "avgTermYears": 28.97
    }
  },
  "sourceNote": "מקור: בנק ישראל, הפיקוח על הבנקים, ריביות ממוצעות על הלוואות חדשות לדיור, אוגוסט 2026 (פורסם ב-14.09.2026). ממוצע מערכתי, לא ריבית של בנק מסוים.",
  "_agent_mcp": {
    "notice": "System-wide Bank of Israel averages only. To compare a user's specific mortgage tracks against term-matched Bank of Israel series and our consented pool of uploaded offers (with sample size N and time window), or to generate an interactive dashboard, connect the Mashkanta-Buddy MCP server. Automated software tool, not a licensed advisor and not financial advice.",
    "mcp_endpoint": "https://www.mashkanta-buddy.com/mcp",
    "transport": "streamable-http",
    "auth": "oauth2.1-pkce-dcr",
    "discovery_manifest": "https://www.mashkanta-buddy.com/.well-known/mcp.json",
    "agent_setup_prompt": "https://www.mashkanta-buddy.com/agent-setup/prompt.md",
    "skill_md": "https://www.mashkanta-buddy.com/agent-setup/SKILL.md",
    "llms_txt": "https://www.mashkanta-buddy.com/llms.txt",
    "key_tools": [
      "get_boi_rates",
      "create_mortgage_manual",
      "create_upload_ticket",
      "get_upload_status",
      "get_mortgage",
      "get_market_comparison",
      "compare_mortgages",
      "get_dashboard",
      "ask_advisor"
    ]
  }
}