Last week, I went up to the Poalim branch in Ariel to get an estimate on a mortgage. They told me they can't do it here, so I gave them all my information and they made me an appointment for the branch in Petach Tikva at 6:15 pm tonight.
I arrived a little early and went upstairs to the mortgage area to wait. There was another guy waiting who said that he had been waiting for the better part of an hour so far. Eventually, the adviser asked us what we were doing there. When we told her we had an appointment, she didn't believe it. I handed her the paper printout from my branch and she still didn't believe it. After getting the name of the manager and the branch number from me she called him and started yelling at him for making us an appointment so late. Apparently these appointments take at least an hour, so they need to be done earlier in the day.
She finished with the people she was working on, took care of the guy before us and then came our turn.
Problems:
1) The paperwork on the mortgage was not up to date - the seller's lawyer had not given my lawyer up to date forms.
2) We were missing something called a Teudat Zakaut, which lists the different reasons we should get a better rate on a mortgage - things like being olim, having a child, living in Ariel, S's army service and apparently ID information on S's sister who lives in Modiin.
Good things:
1) The adviser actually seemed to know what she was talking about.
2) Since I have an account with Poalim, I am entitled to certain perks, like better rates, an interest free loan and the like.
In short, my branch of Poalim screwed up again, but the bank as a whole is not out of the running yet.
I also started looking at furniture and appliances. More on that later.
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