In the mortgage market in Israel, a significant decrease of 20% was recorded in September, with the volume of mortgages granted amounting to 8.7 billion shekels. The decline was mainly due to a lack of working days during the holiday period, but in summary of the first nine months of the year, there was a 12% increase compared to the same period in 2022. Homebuyers tend to bet on a decline in interest rates, with the most popular path being linked to the prime rate. This trend indicates a shift in buyer preferences, who are looking for more flexible solutions to cope with mortgage costs. Despite the monthly decline, the market appears to be gradually recovering, and expectations for the remainder of the year indicate cautious optimism. The economic situation and expectations for future interest rate changes will influence the decisions of buyers and banks in the real estate market in the coming years.