{
  "version": 79,
  "retrieved_on": "2026-10-27",
  "country": "ISR",
  "publisher": "Bank of Israel",
  "source_url": "https://www.boi.org.il/media/j2io4lpr/fsr202102e.pdf",
  "source_sha256": "7340271a778fdcb9d89d3006316b242deaef87ccee53229c7d379edaa2f7a9f7",
  "publication": "Financial Stability Report, second half 2021, February 2022",
  "locator": "Box 3, printed page 52, Figure 5 and footnote 5; PDF page 52 (1-based)",
  "cohort_start": "2017-09",
  "cohort_end": "2019-03",
  "cohort_basis": "Origination window explicitly stated in footnote 5",
  "caption_note": "Figure 5 caption instead states July 2017–March 2021; period interpretation is not independently resolved. Use footnote-restricted historical reference only.",
  "event": {
    "id": "first_year_30dpd_500nis",
    "horizon_months": 12,
    "days_past_due": "more than 30",
    "unpaid_threshold_nis": 500,
    "definition": "At least NIS 500 unpaid for more than 30 days from scheduled payment date within first year after origination",
    "unit": "share_of_originated_mortgage_loans",
    "not_equivalent_to": [
      "90_day_NPL_stock",
      "annual_default_PD",
      "foreclosure_probability",
      "LGD"
    ]
  },
  "extraction": "Manual transcription of published rounded rates in surrounding paragraph; event definition and eligible cohort checked against footnote 5; no raw borrower data or source sample counts available",
  "records": [
    {
      "segment": "no_complementary",
      "label_he": "ללא הלוואה משלימה",
      "rate": 0.021,
      "reported_percent": 2.1
    },
    {
      "segment": "other_lender",
      "label_he": "הלוואה משלימה ממלווה אחר",
      "rate": 0.037,
      "reported_percent": 3.7
    },
    {
      "segment": "same_bank",
      "label_he": "הלוואה משלימה מאותו בנק",
      "rate": 0.024,
      "reported_percent": 2.4
    },
    {
      "segment": "synergy",
      "label_he": "הלוואת סינרגיה",
      "rate": 0.02,
      "reported_percent": 2.0
    }
  ],
  "sample_counts": null,
  "rounding_percent_step": 0.1,
  "gates": {
    "historical_first_year_delinquency_reference": true,
    "current_2025_population_representative": false,
    "causal_consumer_debt_effect": false,
    "annual_default_PD_calibrated": false,
    "LGD_calibrated": false,
    "macro_automation_response_calibrated": false,
    "automatic_mapping_to_v78_household_groups": false
  },
  "period_ambiguity": true
}