House Hunting - II

That was really a bitter experience to my family and our dreams ended half way.
My brother who showed immense interest in owning a house got disappointed to the core. In mean time six months got over and the sanction order crossed its span.I contacted the person through whom I got the sanction letter.He replied me that the letter could be turned on by paying the reprocessing fee of Rs.2000.00 . ( Remember already I have paid Rs.8520.00 + Rs.2000 additional for its renewal ..)



I totally abandoned the process of buying a house and slowly stepped in to car purchase. Being a mechanical diploma holder my brother gave a good support in getting a car wherein my parents were equivocal. I ditched discussing this with my sister since she is too young..Got a second hand Maruti Wagon R without any second thought. Days rolled on.. on and on and made me to tie a knot.

"Kalyanam panni paar... Veettai katti paar..." Somehow the first part got over in my life. She is quite cool girl and salaried.
The car was of big use to accomplish my marriage activities. My family then appreciated the purchase of car after enjoying it. Three months after my marriage, papa slowly injected the desire of house hunting to my mom and they both instigated the feel to my wife too..The matter rev up and again my papa started hunting for houses though left out with the scar of previous experience.He contacted house brokers and took us to number of houses. This time the budget ranged between 20 - 25 Lakhs. My wife lighted her part in raising the budget with the thought of putting her earnings too...Overflowed with the enthusiasm she was even ready to sell her jewels to form the down payment.

Though the aspirations of owning an individual house tempted, my inner conscious calculated about the routine expenses and other expenditures to run the mundane life. My brother complied with me and we both thought to pick up an idea which would be conducive enough to get a house without disturbing the routine happenings.
We took a look at a house built in 2400 sq.ft. ( one ground ). That ranged between 24 - 25 lakhs. Entire family was pleased and they induced me to purchase the same. In mean time we came across another house for Rs.23 Lakhs ( 1800 sq.ft ). No commitment was given from my side for both. One fine day I yelled at my family explaining the financial income and the expenses that we face. Made them understand about the situation and then, they came down to half a ground house.
Finally we decided an half a ground house (1200 sq.ft). The build area may be around 700 sq.ft. The house was well built but too small to have 6 members into it. We made up our mind and thought of purchasing the house. We sat with the house owner for further rate discussions. The owner requested the amount of Rs.10000.00 as token advance.He wanted to grab the party and needed to catch hold of people who escapes by giving the token
of Rs.1000 and Rs.2000. So he demanded for Rs.10000.00. We agreed with him as we dont have any second thought of buying other.
My father showed his unwillingness in blocking that huge amount as advance. We returned home discussing about the bargainings that we had to bring down the purchase amount of Rs.17.5 laks to 16 lakhs.. My wife and mom praised me for have reduced the amount by 1.5 lakhs. But my father was uninterested with the happenings. We went for HDFC bank since the processing fees is comparitively low and the interest rate is less than the IDBI bank. After a weeks period we got a response from bank that a loan of Rs.12 lakhs alone can be sanctioned.

We again ran behind the house owner to get our advance amount. He strictly informed us that he may refund the amount only if other party pays the advance for the house. Second time our money got blocked.... This time the victims were my mom , me and my wife... My father hollered out like anything. His turn to shout on us. We kept quiet. "Yaanaikku oru kaalam vandha poonaikum oru kaalam varum....!"

Still more to scribble in part III ...