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 agentmods add skills/squadcodercom/squadcoder/israeli-mortgage-comparatornpx skills add squadcodercom/squadcoder --skill israeli-mortgage-comparatorgit clone --depth 1 https://github.com/squadcodercom/squadcoderWrote 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/squadcodercom/squadcoder/israeli-mortgage-comparator)<a href="https://agentmods.dev/skills/squadcodercom/squadcoder/israeli-mortgage-comparator"><img src="https://agentmods.dev/badge/skills/squadcodercom/squadcoder/israeli-mortgage-comparator.svg" alt="Measured on agentmods" height="20"></a>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 | $0.00196 | $0.05430 |
| Opus 5 | $0.00098 | $0.02715 |
| Sonnet 5 | $0.00039 | $0.01086 |
| Haiku 4.5 | $0.00020 | $0.00543 |
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 4d 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 — 334 lines — stays where its author put it; the contents beside it link to each section on GitHub.
Israeli Mortgage Comparator
Snapshot (verify before quoting)
| Variable | Value | Source |
|---|---|---|
| BoI rate (May 2026) | 3.75% (cut from 4.0% on 2026-05-25; 4.0% was set 2026-01-05 from 4.25% and held Feb/Mar 2026) | bankisrael.gov.il |
| Prime rate (May 2026) | 5.25% (= BoI + 1.5%) | derived from BoI |
| BoI forecast | gradual decline to ~3.5% by end-2026 / early-2027 per BoI staff forecast | BoI staff forecasts |
| Purchase tax (mas rechisha) bracket 0% | up to 1,978,745 NIS | mas.gov.il, brackets frozen 2025-2027 |
| Investment-property purchase tax | 8% up to 6,055,070 NIS, 10% above | mas.gov.il |
| Foreign-resident max LTV | 50% (regulatory ceiling; banks may offer less, not more) | BoI Banking Supervision |
| First-time buyer (mathil) max LTV | 75% | BoI Banking Supervision |
| Upgrader (meshaper) max LTV | 70% | BoI Banking Supervision |
| Investor (mashkia) max LTV | 50% | BoI Banking Supervision |
These figures are time-sensitive; agents should re-verify the BoI rate and purchase-tax brackets on every fresh use.
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 Bank of Israel prime rate. Currently prime = Bank of Israel rate + 1.5%. 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
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.
- 4d ago First seen · 334 lines · 196 tokens per session scan A 15fdb20fc9e9
israeli-mortgage-comparator is a skill published in the GitHub repository squadcodercom/squadcoder (11 stars, last pushed 2mo ago), licensed MIT. It adds 196 tokens to every session and 5,430 once invoked, about $0.0010 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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