A newborn baby weighs the same as a bowling ball so big that it took two midwives to pull him out.
Cherral Mitchell, 31, gave birth to an Alpha Boy on Thursday and said staff were shocked to learn how heavy the baby was. At a whopping 14lbs 15oz, the boy is believed to be the third-largest infant ever in the UK.
Cherral, from Thame, Oxford, has nicknamed her son ‘Butter Bean’, while her uncle still calls him ‘Baby Hippo’. Alpha’s arrival was a big surprise, as his mother took the contraceptive coil before he was conceived with her 35-year-old husband Tyson, an electrical engineer.
Cherral, who has three more children, said: “We didn’t expect him to be this big. Everyone kept laughing when his head popped out. My husband, Tyson, was like, ‘God, he’s so neat.'”
There were two purses pulling – one was trying to push him down to get him out. The purses say it must be the biggest baby and are on Googling on their phones. He’s a bit like a pumpkin baby as it nears Halloween.”
Alpha, born at 38 weeks on Thursday, is believed to be the UK’s third-largest baby with current record holder Guy Carr at 15lbs 8oz, born 1992. The second largest is George King at 15lbs 7oz, born 2013 in Gloucester.
Doctors believe that Alpha’s size may have been due to him drinking Cherral’s sugary liquid while in the womb.
His mother said: ‘They thought that because I was diagnosed quite late with gestational diabetes, the Alpha was in the sweeter amniotic fluid. So he drank a lot and urinated a lot and consumed a lot of sugar.”
Alpha was estimated at 11lbs 1oz in the scan at 37 weeks but the boy gained 3 pounds before being born a week later through a C-section at John Radcliffe Hospital in Oxford.
The stay-at-home mom Cherral said: ‘My belly is big but not so big that I don’t know where it hides. I still say I g
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.