So, we are getting our home?

After the insane decision to offer the owner at the advertised price
we went through 2 days of hell
because the owner did not accept our offer?!
by right the owner has to accept our offer
since we were the first to offer it at the advertised price
but then the owner inform us that they promised to let the first visiters to lake an offer
so, we needed to wait for the first visiters to make their 2nd visit and offer
while we are panicking that we may lose their home and to threaten them with legal actions
thankfully, our offer was still accepted, phew...

We made a 2nd visit last saturday
and glad that we still love the appartment and will go ahead with the purchase
the problem now is that we need to give our current landlord 3months notice
and hope that we will be able to shift out in 3 months
With the summer holidays coming, most people are going on vocation
so, it is really hard to get appointments with the banks to settle our mortage
and trying to sign the initial sales contract asap to start the 3months notice
the good news is the owner is agreeable to shift out less than 3 months,
so we still may be able to shift out in 3months

the bad news is money
after contribution from my father in law and our savings, 
we have just enough cash for the notaire fees (about 8%)
however, i managed to convince husband to take the full mortage and nortaire fees from bank
because i dont want to be at 0 cash
but to do this, will result in higher interest rate for the mortage
which, i think is still a fair deal compared to be at 0

but we just received the email from the owner
requesting for 10% deposit by the time we sign the initial sales contract
the 10% will be kept in the notaire account
and can be used to paid for the notaire fees after completion of sales
The good part of doing this, means we need not include the nortaire fees in our mortage loan
and can get a better interest rates
but the down part is we dont have enough cash to give 10%
we maybe ask father in law for a loan which will help us to achieve the 10%
but i have no idea where to find money for shifting and furnitures etcs...
I think to be able to do everything perfectly, we are 5k short

Now i understand why buying a home is more to be in debt than to be happy..
Sigh