what a great day --- 19th April, 2007

Couldn't imagin 19th April in 2007 would be such a special day in my life. Although 2 days have past, I wanna write down something to memorize the day.

This is the day when I settled my first house in melboune (and including anywhere else). It was @ 12:30pm, my solicitor sandra rang me and said that:" it is......(I'm really nervous and worried a lot), it is settled", "Wow, finally we settled after so many hassles!" I replied.

There were so many hassles I met before the settle,

firstly, I spent more than one month on Bankwest under my previous broker's suggestion but can only get LVR 80%;

sencondly, the due time of 16th Mar was almost out when I got the result from Bankwest, so I need face the 20% penalty interest rate for the property which means more than $200/day;

I changed my direction and headed to Bank of Queensland, they promised me 95% of the LVR, however,I wait for another 3-4 weeks before we confirm the settlement day 19th,April;

And then, On 17th April, the manager of Bank of Queensland called me and said they wouldn't lend me the mortgage insurance (around $8200), I have to prepared it myself with only 2 days left, oah, my god how can I arrange so much money in 2 days? Finally, with the kind help of two colleagues, I got that insurance fee ready on 18th April;

everything looks ok now, I prepared the bank check and took one day off, just wait for the settlement to be happened at 11:30am, however, I received a call from the bank again at 10:30am, they told me "they calculated the stamp duty wrongly, the correct stamp duty should be $2760 more, and I have to prepare it before settlement", "shit, there is only one hour to go, and it's impossible for me to prepare such an amount in so short a time", I totally had no idea how to handle it, They first response I tried was ranging the bank again and persuade them to let me settle first due their mistake of computation, however both the manager and broker denied their responsibilities and said they could do nothing for that. I rang sandra again told her the situation, she just let me know she would call me back. While I was waiting for the call of sandra, I called Qianqian to see if she find some ways to get the cash right now, fortunately, she can get it from one of her friend under her promise that she would return the cash back in 3 days.

Finally, we settled without paying the extra stamp duty because of the false of the bank (although I still need pay it after settlment).

What a hard journey, thanks so much to my lover--Qianqian for her great support during the whole way, thans a lot to all my friends and my solicitor sandra. Without your guys, I don't know when this could happen.

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However, it hasn't finished yet on this special day, wait for my new updates......