"...building a house overcoming all difficulties without any ill-gotten wealth for a common middle-class person is a lifetime achievement. "- That is a classic statement. I am one who has experienced the urge and dream, anxiety, difficulties, tensions and after all those - the excitement in achieving that.
I could build a home only after I retired from job.(Refer the first line quoted).
I faced difficulty starting from getting the papers like title deeds,prior deeds, EC, possession certificate, measurement etc; and in getting bank loan. As I was retired no bank was ready to give loan. The property was an undivided ancestral one. The building was to be one with individual apartment flats each for the joint owners(brothers). These added to the complexities and fear of banks. The only relief was, I did not face the issue of bribe and corruption. I was requiring only legally permitted things, with a construction budget very low and area just a bit more than a bird's nest for each flat
I did not get a contractor to build the house on such a shoestring budget and small area. No one was used to do like that. Then at last a schoolmate of my younger brother who was in that profession now, came to take up that. He knew our family since his child days. He took it as a challenge.
I did the initial rough sketch idea and plan how the house should be. This idea he translated into practical design and drawing with help of an approved architect. After some interaction, he resonated in my wave length and even adjusted things complying yo my sentiments like keeping the old well, etc. even though that gave some limitation to design. I had to take loan from a private lender institution.
The loan was less than I wanted and expected. However as I had some anticipation of such problems, I had kept in place some cushion and precaution. As my brothers were not having any knowledge or fiance I had to see everything from the start.
However by the grace of God and with my firmness and conviction the construction was over as per schedule and w could move in without loss of time. There never was a default of payment. As I did not allow any change from the budget and plan,not a rupee was needed extra than the budget. Thank God, the EMI s are also going regular.