Loan from a Keren histalmut fund with an interest rate of Prime minus half in most companies. This basically means a loan with an interest rate of 1.1 (the prime as of the day of writing was 1.6). The amount of the loan varies from company to company but usually with a non-liquid Keren histalmut fund you can take 40 percent loan from the amount and if the study fund is liquid then you can take even 70-80 percent of the amount.