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RealFix Finance
Case File OP-2024-004 | Private Banking Division
Negative BDIBank RejectionExceptional ApprovalOpen Banking
Operation Clean Slate:
From Bank Restriction to ₪1.8M Mortgage
When the algorithm showed "red light"—we deployed flank bypass. Intelligence proved repayment capacity. The Breach went through an insurance company. The Takeover secured VIP terms. Fortification rehabilitated the credit score.
₪1.8M
Mortgage Amount
21 Days
To Approval
Prime Net
VIP Rate
Target Identification: The BDI Wall
Y. & M., a young couple with combined income of ₪35,000/month, wanted to buy their first apartment. Problem: Y. had 3 bounced checks from a failed business partnership 4 years ago. BDI score: 3 (negative).
The Situation: 3 banks rejected them automatically. The algorithm said "no." They were about to lose the apartment of their dreams.
Deploying the Hunt Model - Four Stages
1
Intelligence
Used Open Banking data to prove 4 years of perfect payment history. The bounced checks were a one-time event, not a pattern. Built an ironclad case file.
2
The Breach
Bypassed the bank system entirely.Approached Harel Insurance directly with our documented case. Human review, not algorithm.
3
The Takeover
₪1.8M mortgage approved at Prime net rate—VIP terms usually reserved for perfect credit. Closing within 21 days from first contact.
4
Fortification
Created credit rehabilitation plan. After 24 months of perfect payments, BDI returned to green.Option to refinance at bank rates when ready.
Mission Complete: Objectives Achieved
Secured ₪1.8M mortgage at Prime net—the same rate banks offer their best customers. The couple moved into their new home within 6 weeks.
3 Banks Bypassed
21-Day Approval
VIP Interest Rate
Dream Home Secured
"The algorithm sees numbers. We see people. A 4-year-old mistake should not cost you your future. We proved they deserved a second chance—and delivered it."
— Shay Yakov, CEO, RealFix Finance
Rejected by Banks Due to Credit Issues?
We specialize in complex cases. The bank's "no" is where we start.