Open Letter: I can’t afford EMI on my home loan, but will happily pay Prime Minister’s house rent

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Dear Prime Minister Sir,

I read with awe and wonder that your current official residence is spread over 12 acres of well maintained grounds and houses five bungalows with a private road leading to the same. Sir, I would like to congratulate you on being so lucky to have such a house. Sir, I realize that it must be very expensive to maintain such a huge property and therefore, I endeavor to pay my taxes on time. Sometimes, I pay my rentals late bur never my taxes, sir. After all your needs are much greater than mine. But this is not the reason why I am writing this letter to you.

7 race course road luxury prime minister india

I write to let you know the actual travail of a middle class lady who tried to buy a 2 BHK house in Mumbai. (Gentle reminder Sir as we are too small to be noticed on the map:- Mumbai is a small island in Arabian Sea, Maharashtra, India and is considered a financial capital of country). Buying a house for a middle class Mumbaikar, is a long journey sir, from cup to lip and most of the time there is a slip. To continue with my travails, one Kind Man, the Promoter of an very big infrastructure company, a Listed company was in a mood to shower kindness on us poor homeless mortals and offered to sell affordable houses to us. Many like me overwhelmed by this sudden kindness, dared to dream of owning a house admeasuring 965 square feet in Mumbai. Actually sir, to enlighten you, when the builder says 965, he actually gives only 450 sq.ft. Since you are used to buying space in acres, this practice will be unknown to you sir. My entire flat shall fit in a corner of your visitors lounge sir. But sir, I am a small person and cannot dream of anything bigger than a space equivalent to a small corner in your visitors lounge.

To cut a long story short sir, I checked the total price to be paid by me. I minutely worked on the budget sir. I also had to pay for kids education and taxes on time sir. Sir I also made provision for Bank EMI for next 20 years, the stamp duty, registration charges, maintenance and society formation charges sir. I then approached the kind builder and purchased the flat sir. The builder took my money with a most beautiful smile in the world. A kind man sir. He was happy to do a kind deed to so many of us. Had it not been for his kindness sir, we would never have a house sir. From time to time, the kind Builder kept on informing me that my house was complete to a certain level and he needed more money from me to keep the work going. I paid sir and I kept paying sir. How can I take advantage of someone’s kindness sir. He was extremely kind in the first place and was constructing a huge project of 10 buildings having 1200 flats sir. Imagine the magnitude of his kindness sir, homes for 1200 families in Mumbai sir.

In the meantime sir, Mr. Chidambaram (Hon’ble Finance Minister in your Cabinet) informed the country that he needed more money and therefore we should all pay VAT and Service Tax on every purchase made by us. Sir the kind man – the builder called me and broke this news very gently to me and he was helpless sir, the country needed money sir, not he. I paid sir. I paid VAT on full amount and did not even ask for deductions towards cost of construction and land sir.

Sir the project got delayed by five years, sir. But I did not complain. The kind man told me that completion of 10 buildings takes time and he had so many other pressing problems. The height of the buildings had to be increased, so that he could be kind to more home buyers sir. He wanted to do more kindness by building more homes in different parts of Mumbai and had to use some of our monies in other projects. How could I object sir? It was for good of all. The people were purchasing dreams sir not homes. The government was getting revenue sir and your house could be kept in perfect condition sir. I am a small person sir, I will wait, till the kind man finishes his acts of altruism elsewhere, all at my expense sir.

Now sir, the kind man has completed the buildings and asked us to make the final payments sir. I paid sir. I was told I could move in my new house in fifteen days sir. My children started dreaming their lives around the said house sir. The school would be closer and so would be their friends, sir. They were happy sir. But sir we had not paid premiums or taxes on our happiness sir and our dream was shattered.

Somehow sir, the Kind Gentleman, the Builder sir, has suddenly lost his sense of calculations. Now the Kind Gentleman says that he wants more monies sir, over and above the 100% agreed consideration. The Kind man says he made some mistakes in calculating the area of flat and therefore the amount has to be collected from us sir. I checked sir, the area is not more sir. In fact it is less. But the kind man now refuses to listen sir. Suddenly sir, the Kind man has lost his patience and his smile sir. The government is unable to help sir. They have forgotten to promulgate laws for home buyers, sir. There were other important things to be done during session sir. Our Parliamentarians had to compete with movie “Gunday” sir. They turned out to be good sir, what with no retakes and no rehearsals sir. The Parliament version was much better than the original one sir.

But sir today it is about me. Sir, my bank EMI has increased sir. I did not have choice sir. The RBI increased the interest rate without asking me sir. your good friend Mr. P. Chidambaram said all hikes were in National interests, sir. My Rentals have also increased sir. The kind man says he cannot give me the possession of my house if I don’t pay more monies. I don’t have money sir. The Rising petrol and diesel prices have made sure that nothing comes cheap, sir. My land lord has increased the rent sir. He is nice but he also has to make ends meet sir. Sir my boss has also given me an option. Either I should take a cut in my pay packet or quit. Sir I am a lesser mortal sir. I do not have choice sir. I took the cut in pay packet sir.

But don’t worry sir. I will keep paying for your house at 7 Race Course Road, sir. I am used to being denied justice, sir. I am used to being denied my rights sir. I have not read the Constitution sir. I do not know my fundamental rights sir. I don’t know whether I have a right to equality sir. Inexperience sir. I have never been treated equal sir. I don’t understand equality sir. I have seen rich men getting far better deal than me. I have seen criminals getting preferential treatment from police sir. I wonder sir whether I was born equal sir. I only know fundamental duties sir. I know because if I don’t perform them there is always a legal repercussion for the same sir. You see, ignorance of law is no excuse. If I don’t pay my taxes, I will be punished instantly sir. I wonder sometimes, why if my rights are violated, the government does not dispense instant compensation or even justice, sir. But don’t worry sir, it is only a fleeting thought. My daily needs don’t permit me to wonder or think much on those lines sir or even demand an explanation from all concerned sir.

Sir, the Income Tax Officers asked me sir, where did I get the money to buy this house sir. I painstakingly explained to the ITO my sources of income, sir. ITO looked unconvinced. I wondered why. I realized sir, she was let down by my honesty and hard work and could not understand the all taxes paid clear computations in my Returns, sir. She was confused sir, she had never seen returns of an honest tax paying citizen sir.

To cut a long story short sir, please don’t pay much attention to my rantings here. You are an important person with other pressing matters to attend to. Once in a while a common man gets up and writes such a letter sir. It is purely for the entertainment of your assigned staff sir. I understand sir. I know sir, this letter is too light hearted to warrant any serious thought or response sir.

But sir, this very light heartedness keeps me going sir. It keeps me from giving up sir. It keeps me from getting a heart attack, depression, thoughts of suicide sir. It also keeps me from fighting back sir. Otherwise, I will have to fight at every step for every small thing sir. When will I then have time to earn an honest living sir. I don’t wish to maintain you and your needs, out of any ill-gotten gains sir. No sir. It has to be my hard earned money. You live on in peace sir in your huge house, with a private road sir. No traffic jams for you sir. I will wait for ages till the kind man is forced to give me the possession of my house sir. Nobody will mind sir, neither the courts hearing my case, nor the police, nor your government sir, that I and my family are homeless, that I don’t have monies to buy another house and that in world’s largest democracy, the Constitution does not guarantee its citizen, the right to DREAM for a home, a better life, a better governance, a feel good factor………………………

But sir, I am a hardworking citizen. I will keep working, I need to pay the government, the Banks, the Kind man, the babu, the police, the schools, colleges, doctors … the list is endless sir. The paper is expensive, sir.

Yours resilient by force,
Shabnam Latiwala

I have lived a simple life like many other honest tax paying law abiding citizen. So never made any news. Was born a third girl child in an average middle class family. Advocate by profession. Close encounters with varied aspects of life and governance system have forced my lazy brains to start thinking about things other than winning cases. I don't think I will make a difference. But that does not mean that I will not even give it a try.

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Indian Exponent: Open Letter: I can’t afford EMI on my home loan, but will happily pay Prime Minister’s house rent
Open Letter: I can’t afford EMI on my home loan, but will happily pay Prime Minister’s house rent
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