Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add skills-il/tax-and-finance --skill israeli-mortgage-comparatorgit clone --depth 1 https://github.com/skills-il/tax-and-financeWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-mortgage-comparator)<a href="https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-mortgage-comparator"><img src="https://agentmods.dev/badge/skills/skills-il/tax-and-finance/israeli-mortgage-comparator/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/skills-il/tax-and-finance/israeli-mortgage-comparator"><img src="https://agentmods.dev/badge/skills/skills-il/tax-and-finance/israeli-mortgage-comparator.svg" alt="Reviewed on agentmods" width="80" height="20"></a>- NVIDIA SkillSpector pass
What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00140 | $0.07456 |
| Opus 5 | $0.00070 | $0.03728 |
| Sonnet 5 | $0.00028 | $0.01491 |
| Haiku 4.5 | $0.00014 | $0.00746 |
Grade A, and why
israeli-mortgage-comparator scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 424 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Israeli Mortgage Comparator
Snapshot (fetch before quoting)
This skill hard-codes no interest rate and no tax bracket. Both drift, and a stale number here is worse than no number. Fetch them at use time:
| Variable | Where to get it | Note |
|---|---|---|
| Bank of Israel rate | https://boi.org.il/PublicApi/GetInterest returns the current rate and the next decision date as JSON. Human-readable equivalent at boi.org.il |
The single most drift-prone input to every calculation below. Decisions land roughly every 6 weeks |
| Prime rate | The bank's own published prime (ribit prime). Read it off the bank, do not compute it from a remembered margin | The margin over the BoI rate is set by the banks, not by regulation, so it is not stated here. Prime itself is uniform across banks; only each bank's discount or premium TO prime varies |
| Purchase tax (mas rechisha) brackets | mas.gov.il, or the israeli-real-estate skill, which is the authoritative holder of the bracket table |
Do not restate bracket figures from memory |
The regulatory limits in Step 2 are different in kind: they are set by a published Bank of Israel directive and change only when the directive is amended, so they are stated here with their section numbers.
Instructions
Step 1: Understand the Israeli Mortgage System
The Israeli mortgage system is unique. Unlike most countries where you take a single loan at one rate, Israeli mortgages are composed of multiple parallel tracks (maslulim), each with different interest rate mechanisms. A typical mortgage combines 3-5 tracks to balance risk and cost.
The 5 main mortgage tracks:
-
Prime (ריבית פריים) - Variable rate linked to the banks' published prime rate, which tracks the Bank of Israel rate with a fixed margin the banks set. Changes whenever the central bank adjusts its rate. Expressed as "Prime minus X%" (e.g., Prime - 0.5%).
-
Fixed Non-Linked (קבועה לא צמודה) - Fixed interest rate, not linked to CPI. The safest track: your payment never changes for the entire loan period. Typically the highest starting interest rate.
What ships with it
5 files beside SKILL.md in the same directory: the scripts, references and assets a skill reads on demand. Not counted in the per-session cost; read them before you install if any of them is executable.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 424 lines · 140 tokens per session scan A d618c4116edd
israeli-mortgage-comparator is a skill published in the GitHub repository skills-il/tax-and-finance (34 stars, last pushed 3d ago), licensed MIT. It adds 140 tokens to every session and 7,456 once invoked, about $0.0007 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.
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