In collaboration with Mizrahi Tefahot
For over 15 years, Mizrahi Tefahot has been leading the banking world in the field of personal service, through a combination of human response and advanced technologies – all in order to provide all customers with the best response at any point in time.
"People first", the phrase identified with the bank, is built into Mizrahi Tefahot's strategy and is expressed in an approach that sees the person behind the details and in new products that come towards him with even better service.
Mizrahi Tefahot understands that in a fast-moving world, we all need direct contact with a banker who can be consulted and answered at any given moment, both digitally and at the branch. This is always the case, and especially during this period of economic uncertainty in light of high interest rates and global changes in the markets.
The banker in the app
Today you can do almost any banking activity alone in the app. Mizrahi Tefahot believes in the winning combination. An application that enables independent conduct but does not abandon the accompaniment of the personal banker. So if there is a question or need, you can also reach the personal banker directly through the app, call or write a message.
Always available by phone
The telephone service is also immediately available, and the default is to route the call directly to the personal banker and not to a call center. How does it work? The bank uses a smart identification system, which makes waiting or endless routing through the call center redundant. Mizrahi Tefahot's operating method is based on a structured service continuum, in which the customer always receives a response. Even if the personal banker is currently busy with another customer or alternatively goes on vacation, the customer will be immediately transferred to the backup circles, that is, to a parallel banker who can provide him with a complete solution for any need. Thanks to the continuity of service, the customer avoids unnecessary visits to the branch or transfers between service providers, and is not forced to repeat his requests.
We have branches. Let's
As part of the bank's service strategy, Mizrahi Tefahot offers the widest branch deployment in Israel, a fact that positions it as an exception in the landscape. Thus, at a time when competitors are reducing branches and reducing the human service system as part of "streamlining" processes – Mizrahi Tefahot maintains physical representation in almost every locality in Israel, upgrades branches and offers all services in one place: manned cash registers, personal and business banking, self-service machines and even highly available pension and financial consultants.
Deposits that go up and up
Another area that has regained interest in the past year is deposits, which allow savers to enjoy attractive interest rates on a wide range of deposits. The bank's deposit basket provides a variety of routes for different periods of time and you can also choose the preferred deposit with exit stations according to your changing needs.
Mortgage at your own pace
In the field of mortgages, which is particularly sensitive to changes in the interest rate in the economy, Mizrahi Tefahot offers customers interested in purchasing an apartment the "mortgage at your own pace" track – a flexible and customized product for repayment ability, which also takes into account future changes such as expanding the family, and at a fixed and predetermined interest rate, without changes and without surprises.
Customers who choose to take out a mortgage in Tefahot will enjoy a service experience unique only to Mizrahi Tefahot: taking a mortgage with the help of the Tefahot Touch app easily and quickly, combined with personal accompaniment by a mortgage expert, throughout the process. The application concentrates all the required actions in the process in one place, receives approval in principle for the mortgage, uploads and downloads the required documents, correspondence with the expert banker and monitors the mortgage process from anywhere until receiving the mortgage money. There is no doubt that this is a quantum leap forward and a unique service experience in the world of mortgages.
Especially these days you see the customer: a basket of benefits that provides a solution for each customer
The succession of interest rate increases, along with the rising cost of living, affects us all. Mizrahi Tefahot has a product basket that incorporates various benefits and solutions for the Bank's customers.
Customers plus: interest at a rate of 2% on the balance in the current account and again up to NIS 25,000.
Customers in the minus: Easing the terms of the credit facility at a rate of up to 2% on the interest charged on the overdraft.
Part of the month in plus and part in minus?At Mizrahi Tefahot, the overdraft balance in the account is offset with the plus balance (in the ratio of shekel to shekel) to the point where no mandatory interest is paid at all.
And for Tefahot customers:
The 'interest on the overdraft is on us', a full exemption for two years from paying interest on the overdraft in the account up to the amount of the monthly repayment or up to NIS 6000,<> – whichever is cheaper
In addition, NIS 1,200 creditto mortgage holders who meet the appropriate criteria – directly to the account from which the loan is paid.
Do you also want to move forward and remain human? Come and consult with our bankers at Mizrahi Tefahot *8860
www.mizrahi-tefahot.co.il
The benefits will be granted across the board to Mizrahi-Tefahot private customers until June 30, 6. Interest benefit on the right: will be given in a month in which the average balance of managed assets in the account (including current account balances, deposits, savings and securities without mandatory balances) was less than NIS 2024,50, except for customers who have another right interest product in their current account or customers handling the debt collection unit. Tax will be duly deducted from the interest. Reduction in interest rates on credit facilities: Sub-Facility A – a reduction of 000 percent, Sub-Facility B – 1.1 percent, and Sub-Facility C – 5 percent. Save the interest on the overdraft: for private customers with a credit limit. Offset up to a daily balance of up to NIS 2,10. Credit NIS 000,1 to Tefahot customers: For holders of an apartment purchase loan (excluding an investment apartment) whose loan includes a prime component, was made by May 200, 31 and is paid on an ongoing basis. Additional conditions: At the time of making the loan, the value of the property was up to NIS 5 million, the financing rate was at least 23% and the return to income ratio at least 2%. Excludes delinquent loans. Loans in which one or more of the borrowers are in insolvency or bankruptcy proceedings The credit will be automatically transferred to the eligible account, in doses of NIS 60 once a quarter, starting July 30 – Interest benefit on the overdraft: intended for current account holders in Mizrahi-Tefahot from which the mortgage is paid, the amount of the exemption from interest up to the amount of the mortgage repayment or up to NIS 300,16, whichever is lower. To join the benefit, visit the bank's website www.mizrahi-tefahot.co.il
In collaboration with Mizrahi Tefahot