Register a mortgage
Register a mortgage in the name of the owner of right who is registered in the Land Registry.
You must make certain that the person who has taken out the mortgage is in fact the owner of the right to the land by producing an online registration extract (at reduced cost) or producing a signed registration extract at the bureau office where the land is registered.
- A bill of mortgage in five printed copies, with original signatures authenticated by an lawyer. The bill of mortgage cannot have corrections or deletions.
- Where the mortgage holder is a banking institution, the bill must be produced by the banking institution only.
- Confirmation of payment of local authority tax as of the date on which the casefile was submitted. There is no need for confirmation of payment of or exemption from capital gains tax.
- Confirmation of payment of, or exemption from, purchase tax as of the date on which the application was submitted (if no transaction on the property was performed since December 31, 1999). Such confirmation is not required in the following cases:
- When the property is listed in the condominium register.
- When leasing rights are listed for an apartment that is not listed in the condominium register. In this case, you must include proof that the mortgage is registered to the leasing rights in the apartment via an affidavit by the applicant, or confirmation from the local authority.
- If the right that is being requested for mortgage is subject to a mortgage to another mortgage owner, you must include the agreement of the registered mortgage owner to register the current mortgage.
- A reference number confirming payment of the fee.
- Additional documents as circumstances dictate, as the Land Registrar may require.
- The one submitting the casefile must also include:
- A photocopy of the applicant’s ID card.
- A power-of-attorney or permission to the one submitting the casefile, where power-of-attorney exists.
Please note: You must verify and submit the documents for each case individually in accordance with the land ordinances and the registration procedures, and make certain that the information regarding the land and the identification information of all the parties are accurate and matching in the documents submitted for registration.
The instructions regarding the required documents apply to the main procedures, and are not to be taken as instructions or advice in cases where additional laws apply.
- Where the application or the documents included with it are signed by a power of attorney:
- You must include a legally authenticated power of attorney.
- Where the land is in a process of settlement:
- You must include approval from the official in charge of the settlement to register the mortgage. You must make certain that the registration is completed within the period of time specified in the approval. Where the property is listed in the condominium registry, there is no need for approval.
- Where the party performing the action is a corporation:
- The registration certificate.
- A written protocol or decision of the corporation testifying to the decision to perform the requested transaction.
- The proof that is required in accordance with Regulation 10 of the Land Regulations may be provided in one of the following ways:
- The signature of an attorney (any attorney) on the regular version of the document, in accordance with Regulation 10 of the Land Regulations (Management and Registration), 2011.
- Alternatively, proof may be submitted that the corporation exists, that it is fit to carry out the requested transaction(s), and that the corporation’s decision of ________________ [date] was made in accordance with the law. The proof may be provided by any attorney or accountant of the company, to be noted in a separate decision, protocol, or document.
- In a case where the power of attorney includes notarization in accordance with Section 3 of the Notary Regulations of 1977 — that one who has signed a power of attorney may signed on the company’s behalf — there is no need to include a protocol or decision by the corporation.
- Confirmation from an attorney (any attorney) or accountant of the company regarding the identities of those who are authorized to sign on behalf of the aforesaid corporation. The confirmation may be provided separately or in a decision or protocol.
- If a year has passed since the protocol was prepared, written confirmation by an attorney or accountant must be included stating that the corporation is still in existence and, in accordance with its memo and bylaws, may perform the requested act, and that the people listed in the protocol are still authorized to act and sign documents in the corporation’s name.
- When one of the parties to the transaction is a foreign corporation:
- You must include all the listed corporate documents, together with confirmation from an Israeli attorney who specializes in the laws of the country in which the corporation is registered, stating that the corporation is fit to perform the action according to those laws.
- When the right being transferred is subject to a note of warning in favor of someone who is not a party to the transaction:
- You must produce the agreement of the one who has the right according to the note of warning, or a court order.
- When one of the parties to the transaction is a minor or someone whose identity is kept confidential :
- You must include approval from a court or from a religious court, as the merits of the case may dictate.
- When the manager of an estate is a party to the transaction:
- You must include approval from a court or from a religious court, as the merits of the case may dictate.
- When the right being transferred is subject to a note or limitation on fitness :
- You must include court approval to perform the transaction.
- When the holder of the mortgage owns leasing rights and the current rental contract contains a clause restricting the registration of the mortgage:
- You must include the landlord’s agreement with the application.
- When the ID number next to the name of the one possessing the rights in the Land Registration listing, or the identification details, do not match the registration in the Land Registry:
- You must include:
- Various proofs in original documents, such as: a registration certificate or deed, bill of sale or lease, old tax receipts or legal proofs from the acting authorities that are sufficient to link the one claiming the rights and the registered owner of the registered rights.
- Detailed affidavits from the party claiming the right and of another person. The affidavits must be prepared and verified as stipulated in Paragraph 15 of the Evidence Ordinance [New Version] of 1971. The affidavits must be detailed and include the source of the acquaintance and the knowledge of the owner of the rights to the property .
- Additional documents according to the circumstances, as the registrar may require.
- You must include:
- When the agreement of a third party is required:
- You must include an agreement that is signed and authenticated by an attorney in the manner that writs of transaction are verified.
You can pay the appropriate fee in one of the following ways:
- On the government payments website.
- At the payment stations at the bureaus.
- At the post office, with a payment stub that can be obtained at the bureaus.
You can submit the required documents to the bureau office of the Israel Land Registry where the property is registered in one of the following ways:
- By post.
- By bringing the casefile to the bureau office during business hours. We recommend making an appointment in advance in order to save time. Please note that you can make an appointment for only one casefile at a time. If you wish to register an additional casefile or other actions, or a casefile that is not a mortgage registration, you must take a number at the bureau office and wait your turn.
Find the address of the relevant bureau office by lot number or name of residential community.
- A working casefile will be opened once the application has been received at the relevant Land Registry bureau office.
- Upon the conclusion of each stage of handling the casefile, a notification will be sent to the applicant by text message or e-mail.
- The documents will be examined, and if the application is found to be appropriate for registration, the act will be registered and documents confirming registration of the act will be sent to the applicant.
If the documents submitted are found insufficient, the casefile will be rejected and returned to the applicant together with a rejection letter.
Please note, if there is any difference or conflict between the information on this page and the law, the provisions of the law will apply.
משרד המשפטים
Land Registry and Settlement of Rights
Ministry of Justice Information and Service Center
Call center operating hours
Sunday to Thursday, from 8am to 4pm