I shall go on dreaming…..

Out of curiousity, yesterday we drove to Setia Alam to see the developments there. Sabariah had just bought a house there and had recommended that we pay the sales office a visit when I told her that we would like to one day own a semi-detached house should it fulfill what we are looking for.

What would fulfill our requirement of a house, actually? Well, for one, it must be an upgrade of our present style and standard of living, meaning that it has to at least be a semi-detached house or a corner lot link house since our present house is an intermediate link house.

Our present house has 3 bedrooms with attached bathrooms, an extra room which is my craft room, and a study area upstairs. We have a family/TV area downstairs and a wet and dry kitchen. We also have a utility room and a bathroom downstairs. We have quite a comfortable size living and dining area, and a terrace to spend our evenings on weekends sipping tea and enjoying seeing activities passing us by.

We have a porch that comfortably fits two average size cars. Our front garden is a reasonable size, and the back portion of our house is just nice for drying our clothes, with enough room for me to grow vegetables, though it can be crowded at times when I plant more than 2 types of veggies at the same time.

With that criterion in mind, we dropped by Setia Eco Park first by mistake when we followed the banner to the sales office. What greeted us there were houses that were going for no less than RM1 million! Their selling points were their exclusivity and security system.

When we roughly calculated how much would we be paying per month, it came up to RM6,000.00! I think I almost fainted! LOL!

Having realised that the amount is way beyond our reach, we made our way to Setia Alam further up down the highway, and saw what looked more like what we could afford! LOL! Well, you gotta be realistic, right? *wink*

We spent quite a lot of time studying the master plan to find out what are the amenities available around the area. We really like the Ardisia which Sabariah bought, but, unfortunately, it was sold out.

So, the sales person recommended to us another house which was just recently launched, and suggested that we visit their Show Village, which we did, despite the heavy rain.

Aiman got so excited going from house to house; we could not keep up with him as he moved from room to room, and trying out the beds! LOL!

After about more than an hour going from house to house, finally, we decided that we both (hubby and I) liked the Link Semi-detached TECTONA H. It is categorized as a link semi-detached because it connects at the back portion of the house only and is built in clusters of 4, giving you a feeling that the house is a semi-detached house.

We were like already planning which room will be Aiman’s room, which one will be my mum’s room cum guest room should she come over for a visit, where will be the maid’s room should we decide we need one in the future, and, most importantly, a craft room! LOL! Check out the floor plans here!

We really liked the master bedroom of this design as it is almost twice as big as our present room. We can fit in a study table cum office, and still have room for our ever expanding wardrobe! Well, ok, MY wardrobe! LOL!

I like the open kitchen though it would mean that I would have to always keep the kitchen spotlessly clean. What was missing in the house, however, was a common study area as we both agreed that the computer should be in a common area so as to keep an eye on Aiman from going to sites that he shouldn’t be going…well, at least, for now! LOL!

The family area would also be smaller than what we have now, but, we would gain some land area which we could probably later renovate to add a more comfortable size family area. Definitely, for sure, I would have more land to grow vegetables! Yippee! That’s a huge plus point! Yup, we were planning, and we were dreaming! LOL! Then, suddenly, reality struck us! *grin*

The price? It ranges from RM630,000.00 to RM952,000.00. OK, that does not sound too bad. *grin* We went back to the sales office to inquire further, including the financial assistance.

We were told that should we take up a 90% loan, we would be paying a monthly installment of between RM3,600.00 to RM4,600.00, depending on the size of the land area we chose. OK, divide that amount with my hubby, that does not sound too bad, though we would still have to tie our belts really tightly. I can almost see my dream of owning a demi-detached house almost coming true, until……..

………the sales person started calculating what would be needed upfront to secure the house – between RM82,000.00 to RM113,000.00 within 14 days, which would include the lawyer’s fee (no wonder lawyers are rich! And don't they use the same SnP agreement all the time, but just change the names of the owners and property details?), stamp duty and 10% down payment! I think I almost fainted a second time that day! LOL!

Just where are we going to find that amount within 14 days?

If I had been dreaming, and floating on cloud nine after looking at the house earlier on, but when told of the amount to be paid upfront, it quickly shook me back into reality and I think it just burst my bubble of dreams. *sigh* I must have hit the ground so hard as I fell back onto the ground, because I suddenly felt exhausted, and sad…..

If we were to actually buy the house, it will have to be at least the one in the range of RM 780,000.00 (corner lot) as the one that cost RM 630,000.00 wouldn’t be any different from our present house in terms of floor area and the number of rooms and areas that we will end up with.

But, to own this house would mean that we would have to sell whatever little properties we already have, and I am not willing, just yet, to sell off our present house as it is my first property I bought with my own hard earn money. It is also a property that I hope to fall back on should any unexpected happens. A new semi-detached is going to be a shared property which will later probably to passed on down to our son, God willing.

The present house will also be one that will be able to bring us some income should we rent it out to offset our housing loan, and from what I heard, it can fetch quite a sum.

So, *sigh* looks like this new semi-detached house will just have to pass us by as it is still not within our means as we are both government servants who don’t make that much to own a house costing anymore than RM600,000.00.

So, for now…..I shall just have to go on dreaming….. *sigh*