The bank is not going to take your offer if the person you were dealing with at the bank turned it down.
The person you speak with at the bank, us basically a low level paper pusher, or a middleman. They aren’t concerned about financial loses of the bank, simply because it’s not their money. They could really care less about your offer because they get paid the same salary no matter if the loses money because of your offer. It’s not going to have an impact on their paycheck on Friday.
If your offer gets turned down, and you think that it is a reasonable one, the bank will probably accept, even if the low level paper pusher you talked to says it won’t. If your offer gets declined, you need to talk to someone who’s a little higher up on the ladder.
I can’t stress it enough, 9 chances out of 10, if you’re having issues, you’ve been talking to the wrong person.
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