In recent weeks, a significant decrease in bond yields has been recorded in Israel, and its impact is starting to be felt in the mortgage market. Banks like Mizrahi-Tefahot and Leumi have begun to lower mortgage interest rates, with average decreases of about 0.3% and 0.2% in various plans. The decline in yields is due to the strong shekel, which reduces inflationary pressures and leads to expectations for further rate cuts by the Bank of Israel. Mortgage advisors note that borrowers will begin to feel the relief in interest rates in their monthly payments, especially in variable-rate plans. However, they recommend checking the possibility of refinancing the mortgage, but not to rely automatically on further decreases. It is important to conduct market research and examine updated offers from banks, as a rate decrease may lead to significant savings on the total repayment. Ultimately, the market indicates a downward trend in rates, providing a good opportunity for borrowers to review their financial situation.