ei = EXT4_I(inode);
        sbi = EXT4_SB(sb);
 
+       /*
+        * Initalize owners and quota early so that we don't have to account
+        * for quota initialization worst case in standard inode creating
+        * transaction
+        */
+       if (owner) {
+               inode->i_mode = mode;
+               i_uid_write(inode, owner[0]);
+               i_gid_write(inode, owner[1]);
+       } else if (test_opt(sb, GRPID)) {
+               inode->i_mode = mode;
+               inode->i_uid = current_fsuid();
+               inode->i_gid = dir->i_gid;
+       } else
+               inode_init_owner(inode, dir, mode);
+       dquot_initialize(inode);
+
        if (!goal)
                goal = sbi->s_inode_goal;
 
 
                gdp = ext4_get_group_desc(sb, group, &group_desc_bh);
                if (!gdp)
-                       goto fail;
+                       goto out;
 
                /*
                 * Check free inodes count before loading bitmap.
                brelse(inode_bitmap_bh);
                inode_bitmap_bh = ext4_read_inode_bitmap(sb, group);
                if (!inode_bitmap_bh)
-                       goto fail;
+                       goto out;
 
 repeat_in_this_group:
                ino = ext4_find_next_zero_bit((unsigned long *)
                                                         handle_type, nblocks);
                        if (IS_ERR(handle)) {
                                err = PTR_ERR(handle);
-                               goto fail;
+                               ext4_std_error(sb, err);
+                               goto out;
                        }
                }
                BUFFER_TRACE(inode_bitmap_bh, "get_write_access");
                err = ext4_journal_get_write_access(handle, inode_bitmap_bh);
-               if (err)
-                       goto fail;
+               if (err) {
+                       ext4_std_error(sb, err);
+                       goto out;
+               }
                ext4_lock_group(sb, group);
                ret2 = ext4_test_and_set_bit(ino, inode_bitmap_bh->b_data);
                ext4_unlock_group(sb, group);
 got:
        BUFFER_TRACE(inode_bitmap_bh, "call ext4_handle_dirty_metadata");
        err = ext4_handle_dirty_metadata(handle, NULL, inode_bitmap_bh);
-       if (err)
-               goto fail;
+       if (err) {
+               ext4_std_error(sb, err);
+               goto out;
+       }
 
        /* We may have to initialize the block bitmap if it isn't already */
        if (ext4_has_group_desc_csum(sb) &&
                err = ext4_journal_get_write_access(handle, block_bitmap_bh);
                if (err) {
                        brelse(block_bitmap_bh);
-                       goto fail;
+                       ext4_std_error(sb, err);
+                       goto out;
                }
 
                BUFFER_TRACE(block_bitmap_bh, "dirty block bitmap");
                ext4_unlock_group(sb, group);
                brelse(block_bitmap_bh);
 
-               if (err)
-                       goto fail;
+               if (err) {
+                       ext4_std_error(sb, err);
+                       goto out;
+               }
        }
 
        BUFFER_TRACE(group_desc_bh, "get_write_access");
        err = ext4_journal_get_write_access(handle, group_desc_bh);
-       if (err)
-               goto fail;
+       if (err) {
+               ext4_std_error(sb, err);
+               goto out;
+       }
 
        /* Update the relevant bg descriptor fields */
        if (ext4_has_group_desc_csum(sb)) {
 
        BUFFER_TRACE(group_desc_bh, "call ext4_handle_dirty_metadata");
        err = ext4_handle_dirty_metadata(handle, NULL, group_desc_bh);
-       if (err)
-               goto fail;
+       if (err) {
+               ext4_std_error(sb, err);
+               goto out;
+       }
 
        percpu_counter_dec(&sbi->s_freeinodes_counter);
        if (S_ISDIR(mode))
                flex_group = ext4_flex_group(sbi, group);
                atomic_dec(&sbi->s_flex_groups[flex_group].free_inodes);
        }
-       if (owner) {
-               inode->i_mode = mode;
-               i_uid_write(inode, owner[0]);
-               i_gid_write(inode, owner[1]);
-       } else if (test_opt(sb, GRPID)) {
-               inode->i_mode = mode;
-               inode->i_uid = current_fsuid();
-               inode->i_gid = dir->i_gid;
-       } else
-               inode_init_owner(inode, dir, mode);
 
        inode->i_ino = ino + group * EXT4_INODES_PER_GROUP(sb);
        /* This is the optimal IO size (for stat), not the fs block size */
                 * twice.
                 */
                err = -EIO;
-               goto fail;
+               ext4_error(sb, "failed to insert inode %lu: doubly allocated?",
+                          inode->i_ino);
+               goto out;
        }
        spin_lock(&sbi->s_next_gen_lock);
        inode->i_generation = sbi->s_next_generation++;
                ext4_set_inode_state(inode, EXT4_STATE_MAY_INLINE_DATA);
 
        ret = inode;
-       dquot_initialize(inode);
        err = dquot_alloc_inode(inode);
        if (err)
                goto fail_drop;
 
        ext4_debug("allocating inode %lu\n", inode->i_ino);
        trace_ext4_allocate_inode(inode, dir, mode);
-       goto really_out;
-fail:
-       ext4_std_error(sb, err);
-out:
-       iput(inode);
-       ret = ERR_PTR(err);
-really_out:
        brelse(inode_bitmap_bh);
        return ret;
 
 fail_free_drop:
        dquot_free_inode(inode);
-
 fail_drop:
-       dquot_drop(inode);
-       inode->i_flags |= S_NOQUOTA;
        clear_nlink(inode);
        unlock_new_inode(inode);
+out:
+       dquot_drop(inode);
+       inode->i_flags |= S_NOQUOTA;
        iput(inode);
        brelse(inode_bitmap_bh);
        return ERR_PTR(err);
 
        dquot_initialize(dir);
 
        credits = (EXT4_DATA_TRANS_BLOCKS(dir->i_sb) +
-                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3 +
-                  EXT4_MAXQUOTAS_INIT_BLOCKS(dir->i_sb));
+                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3);
 retry:
        inode = ext4_new_inode_start_handle(dir, mode, &dentry->d_name, 0,
                                            NULL, EXT4_HT_DIR, credits);
        dquot_initialize(dir);
 
        credits = (EXT4_DATA_TRANS_BLOCKS(dir->i_sb) +
-                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3 +
-                  EXT4_MAXQUOTAS_INIT_BLOCKS(dir->i_sb));
+                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3);
 retry:
        inode = ext4_new_inode_start_handle(dir, mode, &dentry->d_name, 0,
                                            NULL, EXT4_HT_DIR, credits);
        dquot_initialize(dir);
 
        credits = (EXT4_DATA_TRANS_BLOCKS(dir->i_sb) +
-                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3 +
-                  EXT4_MAXQUOTAS_INIT_BLOCKS(dir->i_sb));
+                  EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3);
 retry:
        inode = ext4_new_inode_start_handle(dir, S_IFDIR | mode,
                                            &dentry->d_name,
                 * quota blocks, sb is already counted in previous macros).
                 */
                credits = EXT4_DATA_TRANS_BLOCKS(dir->i_sb) +
-                         EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3 +
-                         EXT4_MAXQUOTAS_INIT_BLOCKS(dir->i_sb);
+                         EXT4_INDEX_EXTRA_TRANS_BLOCKS + 3;
        }
 retry:
        inode = ext4_new_inode_start_handle(dir, S_IFLNK|S_IRWXUGO,