Purchase Tax Savings Through a Prenup — How Much Is It Worth?
What Is "Purchase Tax Savings Through a Prenup"?
Purchase tax savings through a prenup is the direct financial result of formally separating assets between spouses. Under Israeli tax law, when a couple has complete property separation documented in a notarized prenuptial agreement, each spouse is treated as an independent buyer for purchase tax purposes — meaning each can claim first-home rates, even if the other already owns property.
Without that agreement, the Israeli Tax Authority treats married couples as a single economic unit. One spouse's property becomes everyone's second home.
The Numbers: What's Actually at Stake?
Israel's purchase tax (mas rechisha) tiers are stark:
- First home: 0% up to ~₪1.8M, then 3.5% on the remainder
- Second home and above: 8% from the first shekel
Say one spouse already owns a property, and the other wants to buy a ₪2,000,000 apartment:
| Scenario | Tax Calculation | Tax Owed |
|---|---|---|
| No prenup (second home rate) | 8% × ₪2,000,000 | ₪160,000 |
| With prenup (first home rate) | 0% on ₪1.8M + 3.5% on ₪200K | ₪7,000 |
Saving: ₪153,000. The prenup costs ₪599. That's a 300:1 return on investment — not a figure of speech.
Who Should Pay Attention?
- Couples where one partner already owns property (inherited, purchased, or gifted)
- Couples planning to buy separate investment properties in early marriage years
- Anyone in tech who received property-value RSUs or other assets before marrying
The Process
A Nobiru prenup (₪599) walks through a 7-step questionnaire and generates a PDF built from 37 attorney-approved clauses, including full property separation language. Before the wedding, a notary authenticates the agreement for ₪526 — the notary is what confers legal validity under the Property Relations Between Spouses Law (§2), not the lawyer review.
An optional personal lawyer review add-on is available for ₪499 if you want a second set of eyes on your specific circumstances.
Related Concepts
- Independent prenup — how to structure an agreement without involving a private attorney at every step
- Overriding the marital property presumption — the broader legal protection against asset commingling
- Digital asset protection in a prenup — covering shares, options, and crypto in the agreement
Ready to create your prenup?
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