Sunday, August 25, 2013

The Next Phase

Aabed came on Friday and looked at the place.

  1. It needs Spackle and paint
  2. Some of the floor tiles upstairs are loose
  3. The central AC unit was missing a piece that broke
Originally, we told him just to do the areas that were in need of the most work and we would deal with the rest once our finances were a little more stable.  However, after consulting with a few people, we decided to turn him loose on the place and fix whatever needs it and paint the whole house.  Let's face it - it's empty right now, so much easier and faster.

Avner came over yesterday and looked at the AC and within a few hours had located the missing part.  Yay!!

I transferred the water and arnona bills to our name and today will transfer electricity.

The gas balloons are being delivered today and tomorrow is moving day/internet and phone/oven delivery day

Aabed is continuing his painting - they got the entire first floor and part of the second floor done yesterday so I'm hopeful.


Thursday, August 22, 2013

Payment Sent!!

S went to the bank today and sent in the last payment.  Aabed will be coming with me tomorrow to look at what I need him to paint, Avner will come and see what the story is with the central AC (something's broken) and we'll get the ball rolling on moving!!


Yaaayyyy!!!


Wednesday, August 21, 2013

The "Blessing" of social media

Two weeks ago the sellers asked their lawyer, R, for the remainder of the paperwork - meaning the two things I mentioned in the last post.  They finally got one of the papers from her at 10:30 at night on Monday.  The Bitul Mishkun was still MIA.  R said that it would be picked up by a messenger yesterday.  Today came and still no paper.  The sellers were keeping on top of her, but she wasn't answering phones or e-mails.  Eventually, I called my lawyer who suggested first that we try and get the form ourselves online.  I wound up paying 50 NIS to get a form that didn't tell me what I needed anyway.  Then, he suggested that S who works around the area where the office is anyway go in there and get the paper himself.  I called the seller with this info and she agreed.  5 minutes later she calls me back and tells me that R now has the Bitul on her computer and will forward it along and to stop S from leaving his office.

Cool.

An hour after that, I still don't have the file.  The seller tells me that R is having trouble opening it on her computer? so she hasn't sent it yet and that it might be a good idea if S tries to get it himself from the office.  I send S out and 10 minutes after that the seller calls me again to tell me that she's sending me the file.  I stopped S about halfway there and sent him back to work and forwarded the file on to the e-mail address the bank had provided.

I then called the bank to let them know the files had been sent, but no answer.  I called the main Mizrahi line - in Jerusalem - and they couldn't help me.  One of the phone people sent an e-mail to the banker I was trying to reach, but I had no way of knowing if they were even in the office.  I checked the hours, and the branch I was dealing with was open until 3.  After about an hour and a half of this - which put it at 1:30, I turned S loose on them.  He used to work in phone support for FedEx Israel so he knows the system and is the last person you want calling.  He raked the phone people over the coals to the point that they sent an e-mail out to every single banker in the branch telling them that we needed to reach them.  He also gave S the direct line for the branch which we called, but no answer.

At 3PM I finally get a call from the head of the branch asking if we were trying to reach her.  I told her that I had sent in the information several hours ago. She then told me that their entire e-mail server was down, so I would have to fax the information ASAP so that it would get to the right people in time.  S jumped through three hoops in order to find a working fax - the office that his office rents space from has one, apparently - and sent the files.  Oh - and the bank manager told me that she would let me know when she got the files because faxes aren't the most reliable things out there.

4:00 - still haven't heard anything.   I tried calling the two numbers I had for the branch and neither one answered.   I went on the Mizrahi Facebook page and posted that because no one was answering the phone I wouldn't be able to get the keys to my house.   Within 8 minutes I got a response back asking me to e-mail in my details and the whole story.  I e-mailed it to the address provided and within 3 minutes got a call back - from the banker I had been dealing with.
She starts yelling at me that I don't have to complain like this and they are busy.  I merely pointed out to her that if someone had answered the phone the first time I called at 12 or any time in the three hours after that, this wouldn't have happened.  I explained to her that I understand it's not entirely their fault and I reminded her that I had called previously to ask what to do because the lawyer was dragging her heals.

Anyway, she said she'd get the paperwork started and gave me a direct line to reach her.

I'll call her in a few hours to find out what the story is.

In other news, the sellers move out today!!

Monday, August 19, 2013

Bank and Lawyer Woes

After being on hold and being sent through the mother of all phone trees, I finally got someone to tell me what I needed to know at Mizrahi..  The  main problem is that EVERYONE goes on vacation during August because there is no such thing as summer camp in August in Israel.

Anyway, Vered was very helpful, but told me that I would have to continue my efforts with Shlomi because she's going on vacation tomorrow.

According to the bank we were missing three pieces of paper::

  • A letter from the municipality saying that there are no outstanding tax debts on the property
  • A letter from the chevra meshakenet - housing corporation that was up to date- ie since the last payment because there was some mortgage shuffling on the part of the sellers
  • A letter of bitul mishkun - basically canceling their right to live there
Here's an explanation of a chevra meshakenet  I found online

What on Earth is a Housing Corporation (Chevra Meshakenet)?! 


Housing Corporation
chevra meshakanet (a “housing corporation” or “settlement company”) is a large public building company that exists in Israel, which has constructed large numbers of dwelling units and temporarily registered them in an quasi (mini) land registry. This legal arrangement is prevalent in newly constructed or about to be constructed residential buildings. For example, an apartment may have been purchased “on paper” from a building contractor (kablan) or entrepreneur (yazam). In such a case, the builder will normally have obtained the rights to construct the apartment building from the Israel Land Administration (Minhal Me’karkei Yisrael or Minhal). Following the construction, the builder will need to register the building as a cooperative house or condominium building (bayit meshutaf), whereby each apartment will be registered, with its own sub-parcel (Tat Chelka) number, in the Land Registry (Lishkat Rishum Me’karkein or Tabu) as a long-term lease. When purchasing an apartment registered at a Chevra Meshakenet, in the interim period between winning the tender and registering each condominium owner’s rights in the Land Registry, it is important to insist that the seller’s attorney provide you with a Certificate of Rights (Ishur Zechuyot) from the builder/entrepreneur. An Ishur Zechuyot from the Israel Land Administration will need to be obtained in most cases too. The rights of the builder/entrepreneur and the nature of the building to be constructed will all need to be thoroughly examined before purchasing an apartment in this framework. Selling an apartment of this nature during this intermediate period also requires substantial documentation and verification of the rights involved particularly when mortgages are taken. - See more at: http://www.jacksonadvocates.net/what-on-earth-is-a-housing-corporation-chevra-meshakenet/#sthash.eAprKtrF.dpuf


Anyway, the seller was at work today, so she called the Ariel municipal offices - the benefits of living in a small town - and told them I was on my way down to collect the first letter.  Easy and done.  As for the other two, her lawyer should get them to her tonight and/or tomorrow morning after which I will send them to Mizrahi and stalk them until they do what I want.

Sunday, August 18, 2013

Technical Stuff

Appliances have been bought.  Ceiling and wall mounted fans have been bought.  Now working on finding a gas company and supplier that we like.  We will be using balloons (gas tanks hooked up to the house), so we need to purchase two of them.  Also, by law the only people who can install our stove are licensed technicians, so we're hunting for one of those too.

Found a gas guy, going to make an appointment tomorrow for him to come and install things.

Came across this English Guide to Buying a House in Israel online

http://www.umtbprivatebanking.com/how-to-buy-a-home-in-israel-your-a-z-guide/?utm_campaign=Facebook+Ads+-+Brazil+Only&utm_medium=Social+Media&utm_source=ppc&


It's put out by Mizrahi - the people we used for a mortgage.

The current plan is to transfer the last bit of money this Thursday, that is if people will answer their phones and let me do so.

Tuesday, July 30, 2013

Updates - in the home stretch!!

It's been a while, but here's what we're up to:

  1. Furniture purchased
    1. Couches, dining room table and chairs and coffee tables were purchased together at a great deal - 15,000 for the lot.  The table is beautiful, solid wood and expands to 9.5 feet.  Couches are super comfy.
    2. Beds - we bought a new bed for ourselves that's designed to either stay together or split down the middle and new wider mattresses as well as a trundle frame for our current mattresses for the guest room and two night tables
    3. Walk-in closet - had it designed by a guy in Jerusalem - will take pictures when it's installed
  2. Sorted out question about house expansion
    1. The seller - who happens to be a contractor himself showed me on the plan where it says we can expand - the secretary didn't know what she was talking about
  3. Have now paid for 90% of the house and are waiting on the last bit until receipt of keys
    1. But, thanks to a smart banker we don't have to start on the mortgage until August.  Thanks to a glitch by our landlord last year when she deposited 2 months rent instead of one, that means that we don't get stuck with double rent.
  4. Have move-in date
    1. We're aiming for Aug 25th - a Sunday. The sellers are planning on being out by Shabbat.
  5. Spoke with Aabed about painting and he's arranging it
  6. Paid LAST rent check.
Here's what we still need to do:

  1. Purchase appliances
  2. Arrange movers
  3. Get a piece of paper from the other lawyer for the bank
  4. Transfer the final payment
  5. Transfer the Arnona, water and electric bills
  6. Go to Ikea for a few things
  7. Finish packing
  8. MOVE
  9. Finish up with the current apartment
  10. Plan for Rosh Hashanna.  Hahahahahahaha
In other news, I'm planning to go back to school this fall for my teaching certification, so got even more on the plate.

Monday, June 24, 2013

Almost, almost done with mortgage

Called a couple of insurance brokers and was able to get from the bank's offer of 160 NIS a month for mortgage insurance down to 110 a month.  Also, found an English speaking broker, so I'm going to have him insure the contents and do life insurance (not tied to the bank) after we move.

Got a call from the Shammai yesterday.  He sent in his paperwork.

Opened up an account with Mizrahi Tefahot.

Sent in Michtav Kavvanot.

All that's left is to pay the fee for opening the mortgage file (about 850 NIS after the 50% discount) and then I can collect the money!!

I spoke with a friend who works for the city, and I may be able to get the oleh discount on Arnona (municipal taxes) once we move.  I've been here for a while, but I never used it, so he's going to try and help me with it.

The last time I was at the house, I asked the sellers about the ishurim for the expansion that the city had claimed they didn't have.  They showed it to me on  the plans the city had copied for me - the secretary I had spoken with didn't know what she was talking about.