Getting a Teudat Zaka’ut for a Mortgage: A Step-by-Step Guide
Buying real estate in Israel is an important step that often requires obtaining a mortgage (mashkanta). However, before the bank approves your request, you need to confirm your solvency. For this, Israeli banks require you to provide a so-called “Teudat Zaka’ut” — a document that is essentially a tax certificate confirming your income. Without it, getting a mortgage is almost impossible, especially if you are self-employed (atzma’i) or have income from multiple sources. In this article, we will detail how to obtain this important document, and we will do so in Russian to ensure maximum clarity for you. By the way, after reading, you can easily place an ad for selling or buying real estate on our free platform, where every ad is automatically translated into the four languages of Israel: Russian, Hebrew, English, and Arabic. This means your offer will be seen by tens of thousands of potential clients nationwide.
What is Teudat Zaka’ut and Why Is It Needed for a Mortgage?
“Teudat Zaka’ut” (תעודת זכאות) is an official document issued by the Israel Tax Authority (Mas Akhnasa). It contains information about your taxable income over the past few years. Banks use it as one of the main tools to assess your creditworthiness. If you plan to take out a mortgage, the bank will definitely request this document to ensure you can make monthly payments. Note: for salaried employees, providing pay slips (tluyim) is often sufficient, but for the self-employed and business owners, Teudat Zaka’ut is a mandatory requirement. Therefore, if you are not a salaried employee with a fixed salary, preparing this document is the first and most important step toward obtaining a mortgage.
Step 1: Gaining Access to Your Personal Account in the Tax Authority
The first stage is registering in the online system of the Israel Tax Authority. Go to the official website of Mas Akhnasa and log into your personal account using a certificate (digital signature). If you don’t have a digital signature yet, you can obtain one at any Israel Post office (doar) or through the “Gov.il” system. You can also use a one-time code sent via SMS to log in. Ensure you have all necessary documents: identity card (teudat zehut), a phone number linked to your profile, and access to email. After logging in, you will see sections related to tax reporting. If you don’t have an account, you need to create it in advance — this may take a few days as the tax authority verifies the data.
Step 2: Requesting the Teudat Zaka’ut Report in the System
After logging into your personal account, find the section “Obtaining Certificates” or “Teudat Zaka’ut”. In most cases, the system can generate a document for the last 3 years — this is the period most often of interest to banks. Select the required period and click the button to receive the report. Important: the document is generated instantly and is available for download in PDF format. Check that all data is correct: your name, ID number, income amount, and periods. If you find an error, you may need to submit an amended tax return. Also note that if you have not filed tax reports on time, the Teudat Zaka’ut may not be generated — in that case, you first need to settle any debts with the tax authority. Save the received file in a safe place, as you will need it to submit an application to the bank.
Step 3: Preparing Additional Documents for the Bank
The Teudat Zaka’ut itself is only part of the documentation package. For the bank to approve the mortgage, you will also need: a copy of your identity card (teudat zehut), income statements for the last 3–6 months (for salaried employees — tluyim, for self-employed — rosh hashkhona reports), a bank statement, documents for the property being purchased (reservation or purchase agreement), and confirmation of the down payment (hitamot). It is advisable to consult with a bank advisor or an independent mortgage specialist (yo’etz mashkanta) in advance to clarify the full list of requirements for your specific case. Remember: the more documents you provide, the higher the chance of getting a more favorable interest rate.
Submitting an Application and Using the Platform for Transactions
Once all documents are collected, submit an application for a mortgage to your chosen bank. The review usually takes from a few days to two weeks. After approval, you can begin searching for the ideal property. And here, our free platform comes to the rescue. Post an ad for purchase or rental in the Real Estate section — it will be automatically translated into the four main languages of Israel. This is especially important if you are selling an apartment or house: your offer will be seen by Russian-speaking, English-speaking, Arabic-speaking audiences, and Israelis who speak Hebrew. This way, you significantly expand your audience and speed up the transaction process. Don’t forget to check the sections Auto, Jobs, or Second Hand to find everything you need for a comfortable move or settling into your new home.
Conclusion: Practical Benefits and Opportunities for Everyone
Now you know how to get a Teudat Zaka’ut for a mortgage step by step and significantly simplify your path to homeownership in Israel. The main thing is not to delay preparing the documents and to consult with specialists on time. Remember, even if you work informally or receive income in foreign currency, there are ways to legally confirm your income — for example, through profit reports from rentals or investments. After obtaining the mortgage, don’t forget to take advantage of our free platform. By posting an ad in the Services or Real Estate section, you guarantee that your text will be seen by hundreds of thousands of users across Israel, including those who speak English, Russian, Arabic, and Hebrew. Instant automatic translation makes the process of finding buyers or tenants simple and efficient. Start today — create an ad and see how easy it is to sell or buy with us!