Home loan, legal matters n such

These are not pleasant things to deal with.

Not that the people (lawyers, bankers) are not pleasant, they all try to help as much as they can. But dying is a complicated process. The actual tasks of settling the estate, transferring titles, etc, weighs very heavily on the hearts of those who have to do it. There's no escaping, lawyer's letters will find their way home (factually n coldly written, no less... i don't suppose they mean to be so blatant, but a fact is a fact, they can't be writing stuff like, "oh you poor thing you"...) I have to take calls in the meeting room, toilet, or downstairs, and compose myself before returning to my desk.

I received a call today from the home loan officer, finally, telling me that the bank is prepared to let me continue with the original terms of the loan. The only change is the change of name to mine.

The background to this is that because i have to cancel our joint-name loan and reapply under my own name, they had wanted to impose the new, higher interest rates on me. They even informed me that they will kindly waive the cancellation charges for me. I was enraged. Being penalized due to procedural reasons is simply unacceptable. After all, is it my choice that i have to change the name on our loan?

And the worst thing is, because of how emotionally involved i am, it's not easy for me to face the problem and do something about it.

Anyway, as mentioned in a previous post, i finally made my stand clear. And they said ok. As Crystal said, most things can be done, it's only a matter of whether people want to do it for you. And of cos, i thank God for this.

Now, i just have to deal with the other problem. Apparently because of legal matters outstanding, the installment payments couldn't be made and i'm owing the developers several hundred bucks in late payment interest, at an exorbitant rate of 10%. (On top of singly saving up for furnishings and repaying his parents. Grace Charity Fund, anybody??)

Sigh. How more difficult can they make things??

Btw, i drove past the development today to see how it is progressing. It's built to the 5th (top) storey already :)

But in any case, i realized that there's nothing more beautiful than having frens who cheer you on and rally around you in both ups and downs. After receiving the call, i texted Hanglu and Crystal to tell them, and the happiness they expressed for me is just so uplifting.

(Picture taken in mid-Jan 07)