While the interest rate of the Bank of Israel is on a downward trend, banks are not rushing to lower mortgage costs. In the mortgage market, an increase in the interest margins charged by banks has been recorded, which offsets the interest rate reductions in the economy. Market players report that in the variable-rate mortgage segment, banks are offering margins of 1% to 1.3% above the required rate, based on the yield of government bonds. In contrast, in the past, margins were lower, around 0.7%. This situation raises questions about the conduct of banks and whether they are exploiting the current situation to maintain their profitability, rather than passing the benefits on to customers. This means that borrowers may not feel the interest rate relief, which could impact the real estate market and the ability of homebuyers to finance their purchases.