My trip to Home, loan and a friend's marriage..

I went to my hometown last Thursday. The purpose was two fold : 1. To have a chat with the Manager of a local branch of a nationalized bank. 2. To attend the marriage of the guy who is coming to Kelley with me and also my would be room mate.

My first interaction with the manager did not go quite well.
I went to him with all the documents including VISA and have shown them to him. After looking at them, he told that its good that I have studied at NIT Warangal. And at last he said that whatever it, as he told earlier to my father, I have to get a property in the town to mortgage. I told him that we don't have anything in the town but we have property in the near by village and we can mortgage that if required. He insisted on the urban property, which we don't have. I have shown him the printout that I took from the Bank's website and told that the rules say that I need not mortgage anything if the amount is less than INR 400,000. He told that the rules will be like that and they need to take the default situations in the branch to approve loans without mortgage and he can not do it. All this went on while I was just standing in front of him. He did not even offered a seat. He told that I can go and come with the things that I was told.
While going to my hometown I took a printout of the contact numbers of General Managers and other executives of the bank. After the above conversation, I called up one of the General Managers and told him the situation. He gave the contact of the Zonal Manager (ZM), under whom our branch manager works. I spoke to the Zonal Manager and explained him the situation. He asked me to go to the manager and give a call from there. So, I went to the manager and called the ZM and handed the phone over to the Manager. He said ok to whatever the ZM told on phone. Then he asked me why I have called up the ZM. I told him that I don’t see anyway that I could get a loan as I don’t' have any property as the manager told. He told that he will speak to my father on this. I told him that there is nothing my father can do and my father can just sign for surety. The manager asked me to go to Bangalore and come back and told that he will do the loan once I am back to my hometown. I thanked him ad got out.
After I returned home, the ZM called me up and told that the manager agreed to process the loan once I come back from Bangalore and asked me to call him if there is anymore problem. I thanked him and told that I will call him once I am back from Bangalore.

On the other note, I have attended the marriage of the guy, who is going to be my roommate at Kelley. The wedding was marvelous and I wished them the best for their new life. The silver lining is that the surname of the bride and my surname are same. So my new roommate is my Brother-In-Law.
I am back to Bangalore today morning and I have lots of things to do. :) .