The Bank of Israel has updated the guidelines regarding parental assistance in purchasing a home for their children, clarifying that only half of their disposable income will be considered for assessing mortgage repayment capacity. Until now, when parents joined the loan, their full income could be taken into account, but this new restriction may make it harder for young couples and other families, such as sons continuing in agricultural estates, to obtain the required loan. The change pertains to the 'borrower reversal' mechanism, where parents join the loan as primary borrowers, and the Bank of Israel emphasizes that this is a clarification and not new regulation. Additionally, another update that took effect on October 1 affects the calculation of the repayment-to-income ratio, requiring banks to consider all repayments on the household's housing loans, not just the repayment of the new mortgage. These changes are expected to complicate matters for young homebuyers in the real estate market.