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 | $0.07696 |
| Opus 5.5 | $0.00056 | $0.03078 |
| Sonnet 5.5 | $0.00028 | $0.01539 |
| Haiku 4.5 | $0.00014 | $0.00770 |
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 27d 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 — 419 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 | BoI rate + 1.5 percentage points. The Bank of Israel's own explanation sheet for the approval in principle (Directive 451, Appendix 6) defines Prime as "Bank of Israel rate + 1.5%". Confirm against the bank's published prime before quoting | Prime 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
Israeli mortgages are usually composed of several parallel tracks (maslulim), each with its own rate mechanism, combined to balance risk and cost.
The 5 main mortgage tracks:
-
Prime (ריבית פריים) - Variable rate linked to the prime rate, which is the Bank of Israel rate plus 1.5 percentage points. 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.
-
Fixed CPI-Linked (קבועה צמודה למדד) - Fixed interest rate but the principal is linked to the Consumer Price Index (madad). Lower starting rate than fixed non-linked, but your outstanding balance grows with inflation.
What ships with it
7 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.
- 27d ago Changed · -5 lines 23e0260310d7
- 1mo 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 (38 stars, last pushed yesterday), licensed MIT. It adds 140 tokens to every session and 7,696 once invoked, about $0.0006 per session on Opus 5.5. 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.
Other skills, from other repositories
sector-rotation
An analysis framework for comparing industries in the Chinese A-share stock market, using business conditions, price momentum, valuation, and money flows. It produces rankings and higher- or lower-allocation suggestions.
twitter-reader
Read Twitter/X for financial research through opencli: the user's home timeline, tweet search, trending topics, bookmarks, a user's recent tweets, threads, articles, profiles, followers and following, and notifications. Use this skill whenever the user wants to know what people are saying on Twitter/X or fintwit about…
strategy-pivot-designer
Detect backtest iteration stagnation and generate structurally different strategy pivot proposals when parameter tuning reaches a local optimum.
energy-procurement
Codified expertise for electricity and gas procurement, tariff optimization, demand charge management, renewable PPA evaluation, and multi-facility energy cost management. Informed by energy procurement managers with 15+ years experience at large commercial and industrial consumers. Includes market structure analysis…
airdrop-hunting-guide
Guide to finding and qualifying for crypto airdrops — eligibility criteria, farming strategies, on-chain activity requirements, Sybil detection avoidance, and tracking tools. Use when helping users understand airdrops, check eligibility, or plan participation strategies.
recipe-daily-pnl-report
Generate a daily profit and loss summary from trades and balances.