In the initial months of life, a newborn baby is incredibly receptive to the sensory input transmitted by their sense organs. The soothing scent and rhythmic heartbeat of the mother’s body naturally help calm the baby, but it is the voice of the child’s parents that they learn to recognize and find comforting.
A heartwarming video captures the emotional journey of Baby Charlotte, affectionately known as Charly, as she transitions from fussiness to a smile and nearly tears up upon hearing her mother’s voice for the very first time. Everything seemed normal when Charly was born as a healthy baby girl. However, concerns arose when she showed no response to noises and voices. Realizing this, her parents took her for a hearing test, and the devastating results revealed impaired hearing, necessitating the use of hearing aids. Christy Keane, Charly’s mother, mentioned that some family members had a history of hearing impairment. Nevertheless, they were grateful that Charly was a beautiful and healthy baby girl, and being deaf would not hinder them from helping Charly achieve the best in her life.
In an Instagram post, Christy shared, “This news may come as a shock, but it is not sad news. This sweet baby is beautiful, healthy, and fully capable of achieving everything she wants in life, and we will make sure that happens! We didn’t think she would hear anything, so this was more incredible than I can put into words. Her journey towards implants and language development is off to an amazing start!” Christy ensured that this magical moment would stay with them forever by capturing it on video. Although Charly is still an infant, you can see how quickly she becomes overwhelmed with emotions and tries to hold back tears of joy in her eyes.
The video showcases Charly’s reaction as her mother says, “I love you,” after she is fitted with hearing aids. As Christy expresses her love to Charly, the adorable baby becomes emotional, finally getting a chance to hear her mother’s voice for the first time. Though she is only two months old, her expression says more than words can convey—she loves her mother too! Baby Charly attempts to hold back her tears upon hearing her mother’s voice for the first time. The video has gone viral on the internet, amassing over 222,000 views thus far.
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.