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Your way to the new apartment: How to choose a mortgage adviser?

The world of mortgages is confusing and complex, especially for young couples who want to purchase their first apartment.

The Association of Mortgage Advisers makes sure that the advisers working under it are reliable, professional and up-to-date in everything that is done in the field 24/7, in order to help you get the most affordable mortgage, in the most convenient way.

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• Mortgages

• Mortgage advisers

Walla!

Business, in collaboration with the Association of Mortgage Advisers

Wednesday, 02 September 2020, 08:24

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Mortgage Advisors Association (Photo: PR and Vags VGS)

Let's face it: buying an apartment in Israel is not easy.

First of all, you need to find the property that you like, with or without brokerage.

Then there will also be all sorts of lengthy bureaucracies, in front of various authorities, municipalities and bodies and all this before we mention the most complex part: the money of course, and the mortgage you need to take from the bank so you can buy the apartment you fell in love with.

The world of mortgages and real estate is very complex and constantly changing and for anyone who enters into it and wants to reach an agreement with the bank that will allow him to buy an apartment, it is a challenging and sometimes confusing situation. Certainly for young couples, our.

In order to receive guidance and guidance in this process, and to make sure that the transaction with the bank is the best and most correct for them, many apartment buyers are assisted by a mortgage adviser.

The role of the advisor is to get to know the mortgage field from A to T, live the frequent updates on all the changing interest rate issues and take care of you, so that you do not pay more than you should.

But how do we know if the mortgage advisor we have taken is indeed reliable, meets these requirements and fits our needs?

To this end, the Association of Mortgage Advisers was founded in 2016.

Shai Perlman, a member of the association's board, explains: "The association was established by about 30 consultants in response to the banks closing the doors to the consultants and beginning to deny customers the right to professional advice. The aim was to return to clients "A counselor should enter a meeting or speak in it and denying the right to professional advice is like not allowing someone to have a lawyer when needed."

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A series of achievements

Another goal of the association was to create a community of professional consultants, where it would be possible to improve professionalism and produce high standards.

To this end, members of the Association of Mortgage Advisors take part in groups that are updated around the clock with everything new in the field and participate every year in a number of professional conferences, where they are constantly enriching their knowledge and tools, in order to serve clients.

In addition, all counselors who are members of the association are required to have strict rules of ethics and undergo a professional examination and personal interview.

This combination, between professionalism and reliability, gives the client a sense that he can indeed trust his mortgage adviser.

The field of mortgages in Israel is not regulated and therefore, you will always prefer to use the services of a consultant who is under the supervision of a body such as the association.

This way you know that the consultant is talented and has a complete system around him.

When dealing with an issue like a mortgage, such a consultant can help you significantly, both financially and in dealing with the whole confusion involved in taking out a mortgage.

To date, the Association of Mortgage Advisers has enjoyed a string of successes during its years of operation, including recognition from the Bank of Israel that it has been prohibited to discriminate against clients. The incomes of many were significantly hurt, but they were still asked to continue paying their mortgages.

The mediation of the Association of Mortgage Advisers, access to information and raising awareness that banks raised interest rates significantly during the corona helped many in the public to get through this period with a better understanding of their situation.

So if you have reached the moment when you have found a new apartment and you are starting to find out about any mortgage issue, contact a mortgage adviser for help and first of all, check that he is indeed registered as an adviser in the Mortgage Advisers Association.

From here, you will find that your way to the new apartment is much more pleasant and easy.

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