Occasionally, life surprises us with unexpected turns, and when you’re pregnant, your ultimate hope is that you’re prepared and your baby arrives healthy. When informed about the likelihood of having a large baby, the usual response is, “No problem, as long as my child is healthy.”
Well, Natashia Corrigan, a mother from Australia, received a similar prediction after her 36-week ultrasound scan. Being a mother of three, she thought she knew what to expect with her fourth child. Little did she know.
On January 24, 2017, at 40 weeks and five days into her pregnancy, Natashia and her partner, Brian Liddle, joyfully welcomed their not-so-little baby boy, Baby Brian Jr. He measured a staggering 57 centimeters in length and weighed a remarkable 6.06 kilograms, equivalent to 13-and-a-half pounds.
“I’ve always wanted a chubby baby, and now I have a big one,” Natashia expressed to 7News First.
But wait, there’s more. Natashia accomplished this feat through a natural delivery without general anesthesia or an epidural. Take a moment to let that sink in. The now-mother of four endured seven arduous hours of labor relying solely on “laughing gas” for pain relief. This gas, composed of half nitrous oxide and half oxygen, is considered safe during childbirth, but it can provide limited anesthesia, especially in such extraordinary circumstances.
Baby Brian Jr.’s birth makes him the heaviest baby ever delivered naturally at the Mercy Hospital for Women and one of the largest newborns in Australia. According to WhatToExpect.com, the average newborn weighs around 7.5 pounds, ranging from 5.5 to 10 pounds. Baby Brian Jr. has already doubled that size, to the point that even newborn-sized diapers don’t fit him.
Natashia expressed her gratitude towards Brian and her sister, Kurriki Ellis, for their unwavering support during the birth. “They kept me strong and calm when it seemed like chaos was happening around me. Because he was so big, it was a bit challenging to deliver him, and we needed extra staff members to assist,” she shared with The Herald Sun.
Brian admitted to 7News First that the birth of their fourth child was “a bit scary,” but now both mother and baby are doing well. Natashia still finds it somewhat surreal. “I think I was in a state of shock because the birth was natural, and I only had gas, so I was still processing that,” Natashia explained.
When asked for advice she could offer to other expectant mothers aiming for a natural birth, she shared her perspective: “Believe in the power of positive thinking during labor, stay positive, and breathe deeply.” Take note, pregnant moms!
Introduction
Are you in need of financial assistance but don't want to sell your property? A loan against property might be the ideal solution for you. This type of loan allows you to leverage the value of your property to secure a loan amount. In this article, we will provide you with a comprehensive guide on obtaining a loan against property. Follow these step-by-step instructions to make the process smooth and hassle-free.
Assessing Property Value
The first step in obtaining a loan against property is to assess the value of your property. You can hire a professional property evaluator or consult a real estate agent to determine its market worth. The lender will consider this valuation to calculate the loan amount they can offer you.
Researching Lenders
Once you have assessed your property's value, it's time to research different lenders who offer loans against property. Compare their interest rates, loan tenure, processing fees, and customer reviews. Choose a reputable lender that aligns with your requirements and offers favorable terms and conditions.
Document Preparation
To apply for a loan against property, you need to gather the necessary documents. The typical documents include:
- Property ownership documents
- Identity proof
- Address proof
- Income proof
- Bank statements
- Tax returns
Ensure that you have all the required documents ready and organize them for easy access during the application process.
Loan Application
Now that you have chosen a lender and prepared the documents, it's time to submit the loan application. Fill out the application form provided by the lender, providing accurate information. Double-check the form to avoid any errors or discrepancies.
Property Valuation
After submitting the application, the lender will initiate the property valuation process. They will send a representative to assess the property's condition, location, and market value. This valuation helps the lender determine the maximum loan amount they can offer you.
Loan Approval and Disbursement
Once the property valuation is complete and meets the lender's criteria, they will approve your loan application. The lender will communicate the approved loan amount, interest rate, and repayment terms. Upon agreement, the loan amount will be disbursed to your bank account.
Repayment Terms
Understanding the repayment terms is crucial before finalizing the loan agreement. The terms include the loan tenure, interest rate, and EMI (Equated Monthly Installment) amount. Ensure that you carefully review the repayment schedule and have a repayment plan in place.
Conclusion
Obtaining a loan against property can provide you with the financial flexibility you need without giving up ownership of your property. By following the step-by-step instructions outlined in this article, you can navigate through the process effectively. Remember to conduct thorough research, gather the necessary documents, choose a reliable lender, and understand the repayment terms.
FAQs
1. Can I obtain a loan against any type of property?Yes, you can obtain a loan against residential, commercial, or industrial properties.
2. What happens if I default on the loan repayment?Defaulting on loan repayment can lead to penalties, legal action, and the possibility of losing your property.
3. Is the interest rate fixed or variable for a loan against property?The interest rate can be either fixed or variable, depending on the terms agreed upon with the lender.
4. Can I prepay the loan before the tenure ends?Most lenders allow prepayment of the loan, but it may be subject to prepayment charges.
5. How long does the loan approval process take?The loan approval process can vary among lenders, but it typically takes a few days to a few weeks, depending on the documentation and property valuation process.
In conclusion, a loan against property is an excellent option for individuals in need of financial assistance. By following the step-by-step instructions provided in this article, you can secure a loan against your property efficiently. Remember to thoroughly assess your property value, research lenders, prepare the required documents, and understand the repayment terms. With careful planning and execution, you can leverage your property to fulfill your financial needs.