The machinery of buying our own place started. We went to some banks for a loan, we measured and photographed the apartment to estimate renovation cost.
At some point we were even happy that this place was a ruin. It was waiting for us to be adjusted to our needs entirely. Our best friend saw the pictures and called it “a nice crack den”. Our parents were terrified whether we would manage. At some point we learned that there is sooo much money going to be involved. Pre-agreement, notary, real estate agency commission, valuation expertise, mortgage setting, court confirmation. Then taxes, taxes and taxes.
I threw myself into designing the whole thing. Researching furniture, flooring, tiles, etc. Contacting contractors, consulting friends at work (there would be gas installation permit necessary).
We had tons of documents to prepare for banks. Expertises, IDs, accounts billings, certificates of earnings, tax copies, insurance info, you name it.
We were ready to start but then it occurred the owners were not.
Oh the stress.. The court stated the ownership to daughter from Paris. She had to prepare proper proxy documents for her ex-husband. She never intended to come here. We’ve waited around two-three months for her to go to notary, then to embassy, then to sworn translator. Her ex-husband never returned my calls, ladies from real estate agency were helpless. The deal was almost off, Parisienne wasn’t sure if she wanted to sell… It was our persistency that made it happen.
In the same time, banks weren’t eager to give us money. The times were rough. We tried some loans of our national currency and it didn’t work for us. Denials and lower amounts didn’t make us happy. The dream was going away and away.
June was better. We changed our banking manager to more serious guy. The window of Euro loan opened for us. That would mean much lower monthly payment and bigger loan amount. Come on, we needed much more money than just cost of the apartment! So we went for it and convinced the owners that they have to sell to us. There was no other way. 18th of June was the date of signing the pre-agreement papers at the notary’s office.
Then, 17th of July, five months after our felling in love, the bank called. We got the loan. Nobody was more happy than us that day, willing to bind ourselves for 30 years to mortgage payments.
17th of August, the final agreement paper were signed. I was more stressed than at our wedding. Like there was a way that the guy would change his mind in the last moment and just leave. I’d go Hulk on him.
19th we had the keys and two days later went for a vacation, as first contractors came in to our flat to rip all the electric wiring out of the walls and insert some new ones.
The process of renovation has started.