As they say, “do not celebrate until the fat lady sings.”
When we thought all of the hard part was over and that we are gonna start our house construction we were faced with a serious and a bit costly problem that can threaten our project to another long process or worse–non completion.
We started the project with a trip to the contractors house to discuss the design that we wished to have. Now my mindset there is to suggest a design that will fit our budget but mum has another idea (which I allowed her to follow) is to make the best design without much consideration to our budget and just let the Architect and Contractor to adjust and make a budgeted version.
I was really against this plan and I was uncomfortable with it but since I dont have much active voice in the project I just allowed mum to have his way, I try to interject and protest but I will be blocked with “e di ikaw mag bayad ng loan.” , that kept my silent.
Few weeks after the design was completed it was very nice and looks way over the budget. Now the Architect assured as that the price tag of 8M was overstated for loan purposes only and they will just downgrade the finishing/ materials and fit it to our budget of 3.2M. But still even with this guarantee I was concerned, that how can you downgrade an 8M house to 3.2M, I kinda doubt it and from time to time I voiced out my fear to mum.
That assurance that the house will only cost 3.2M is a releif to us, so we proceeded to submit the plans and went to a lengthy, tedious process of a bank loan. We waited for weeks and was given a go signal. Then we have to meet with the contractor again, to finally start the project. They will bring us the final break down of the project and it should be 3.2M, give us the contract and set to meet again to pay them, sign the contracts and build.
But when I met them, my worst fear was realized, they cannot downgrade a 8M house to 3.2M the lowest they can go is 5.1M. We paid them 60K to make those plans for our purpose but that plan is now useless and our money burnt.
The plan B left with us was to look for a contractor that can downgrade it to fit our budget or redo the whole project, pay another 60K for the design and spend another 2 months of processing it.
“it aint over till it is over.” Prior to all of this confusion mum is always giddy and almost celebrating that we are to have our house, even if construction has not started, while I am not for I know it is still not a house until it is really finish. I am more of waiting it to finish before celebrating and now with this new development mum was quite stressed for all she thought we went over the hardest part and not knowing that all is about to get harder.