Having a home of your own is not a cake walk
“Don’t worry sir; I will see to it that you would get 100 percent finance on the entire cost of the apartment. Even for interiors I will see to it that the entire cost is sanctioned as loan. I am there na sir; I will get it done for you.” These were the exact words that the IDBI Bank, home loan relationship manager has assured me with a year ago when I was discussing with him about applying for a home loan. When I call him now, he doesn’t even pickup the phone. Should you ask him why he hasn’t picked up the phone when you wanted to discuss something important like, release of funds he has ready made answers, “I was driving”, “I was in the traffic”, “on leave”, “How do you expect me to pickup the phone when I am in a meeting sir”, “I was in Mumbai for my engagement”.
“Sir, your second installment is due, everyone in your block has paid sir, please arrange for the payment immediately.” Says the finance guy of the builder. Where shall I get the money from if the bank contact doesn’t pick up the phone?
“It is not possible to change the door sir, the front elevation will get disturbed, it should be the same as what we offer.”, “You will have to take vitrified tiles from us only sir, you cannot get it on your own.” dictates the project Incharge of the builder. When I ask him why the kitchen platform is only 22 inches when I wanted it to be 24 inches, he would say, you should have told about it when we were building the slab. When I ask him to make a provision for another sink in the wash area, he would ask, “But, why do you need a sink there sir?”
“Always get the plan from the busiest architect in the city for your house, because he is the one who can give you the best plan” I read this quotation in one of the personality development books. The writer quotes this quote to tell that one who works busily is the one who will have new and better ideas. I have adopted this quote in all its true spirits. The architect I requested to do the interiors of my apartment is an extremely busy man, he is the branch head of a big interior design and execution firm which has its presence in entire south India and they only entertain corporate clients and that too only undertake office interiors.
We got our restaurant (Hyderabad House) done through him so I made him to agree to do my apartment with great difficulty. Owing to his business, he doesn’t pick up his phone either. Getting an appointment with him is a Herculean task and I generally celebrate the day I get half an hour of his time to discuss my apartment work.
Finally, irrespective of the kind of house you are building and irrespective of the great budget you have, the cost of getting a house built is generally overshot by at least 20 percent. The budget that I thought would suffice has shot up or is forcing me to cut down on certain things that I planned earlier. The final master stroke has been given by my dad in the morning; he called me and told me to set aside at least half a lac for the house warming ceremony. Looks like one thing is sure, by the time my apartment is completely done, I will have all my pockets burnt. Seriously, it is not a cake walk to realize the dream of owning a house.
“Sir, your second installment is due, everyone in your block has paid sir, please arrange for the payment immediately.” Says the finance guy of the builder. Where shall I get the money from if the bank contact doesn’t pick up the phone?
“It is not possible to change the door sir, the front elevation will get disturbed, it should be the same as what we offer.”, “You will have to take vitrified tiles from us only sir, you cannot get it on your own.” dictates the project Incharge of the builder. When I ask him why the kitchen platform is only 22 inches when I wanted it to be 24 inches, he would say, you should have told about it when we were building the slab. When I ask him to make a provision for another sink in the wash area, he would ask, “But, why do you need a sink there sir?”
“Always get the plan from the busiest architect in the city for your house, because he is the one who can give you the best plan” I read this quotation in one of the personality development books. The writer quotes this quote to tell that one who works busily is the one who will have new and better ideas. I have adopted this quote in all its true spirits. The architect I requested to do the interiors of my apartment is an extremely busy man, he is the branch head of a big interior design and execution firm which has its presence in entire south India and they only entertain corporate clients and that too only undertake office interiors.
We got our restaurant (Hyderabad House) done through him so I made him to agree to do my apartment with great difficulty. Owing to his business, he doesn’t pick up his phone either. Getting an appointment with him is a Herculean task and I generally celebrate the day I get half an hour of his time to discuss my apartment work.
Finally, irrespective of the kind of house you are building and irrespective of the great budget you have, the cost of getting a house built is generally overshot by at least 20 percent. The budget that I thought would suffice has shot up or is forcing me to cut down on certain things that I planned earlier. The final master stroke has been given by my dad in the morning; he called me and told me to set aside at least half a lac for the house warming ceremony. Looks like one thing is sure, by the time my apartment is completely done, I will have all my pockets burnt. Seriously, it is not a cake walk to realize the dream of owning a house.
posted by yedavalliravi @ 1:45 PM
2 comments
2 Comments:
I gues I am the first person to read your blog today, obviously because I had already burnt my hands, by getting a home built, that too an independent one.
I have to tell my experience in this context.My first step was to own a piece of land. After almost 6 months of search finally I found one Real Estate office, which was selling the plots as per my requirement. I had selected one of the best plots (as per the Vastu , EAST Facing etc) and paid him advance.The person looked very reliable and told me that registration would be in couple of days and that he would give me a call. In the meanwhile I took the responsibility of marketing the plots (As if it was my own business and I did not want any body else to miss this golden chance) and referred many of my friends and colleagues.This continued for a while, but the registration of my plot was still pending. Many times the broker kept on postponing it saying that some documents were yet to be received etc.
One fine morning I was on my way to the office in the cab , and my colleague was telling me that he bought a plot with the same broker as mine. He said it was also East facing, I said great.you get more sunlight.
He said its in the second lane. Oh.. excellent then you must be my neighbour. He was excited, and told me that it was plot no 39. Now it was my turn to be surprised, because that was what I paid the advance for....
Lalitha
Every youth in this country has one dream. To have a house of his own, where he can live with his family. And builders, authorities and beaurocracy team up and do real hard work to shatter our dreams. Cause whatever they do, there is no liability. The judicial system is already shattered.
We ignorant people are yet to learn the second law of newton: Every action has an equal an opposite reaction. In layman terms: You kick my ass, I'll kick yours (lets spend our life doing this). Second is our 'chalta hai' attitude and 'lets save this for future'. Perfect ingredients to screw our lives. And last not the least, population, which we are yet to identify as a problem. The "Government of India" is happy and busy counting the kickbacks or misappropriated money, they hardly think about the future of the nation. How the things would be 10 years down the line. Hardly there would be any beaurocrat who doesnt have an account is swiss bank. So its like they snatch the food from our mouths and deposit it abroad.
I remember one of beaurocrat, who unfortunately happens to be my relative too, saying to someone "Tu jaanta nahin mein kaun hoon. Meri sasuraal mein Atal Bihari Vajpayee khana khaat tha. Mein minister bann sakta tha. Mein life mein bahut successful aadmi hoon (I interpret: bahut ghoos khaata hoon)". Such ignorance....
Isn't this the world we made and are living in now? Isn't this the world that our children will inherit? Isn't it that our children would follow our footsteps? What image we Indians carry on international grounds? What would be our future?
All questions... but no answer.... we are busy ignoring things......
Post a Comment
<< Home