Truth be told, you have a greater chance of winning the lottery than having identical triplets, but Harry, Edward, and Thomas beat the odds of one in two hundred million.
“I admit that at first I couldn’t tell them apart,” says the mother. In the first few days, by the way, she was only able to do this by using the different color of nail polish she applied to each of their nails.
What are the chances of you winning the lottery? Or, alternatively, have a piano fall on you? Even if you add these two probabilities together, you will not reach the chance that you will have identical triplets. The parents of little Thomas, Edward, and Harry did the impossible, beating odds of one in 22 million and giving birth to identical triplets.
The three little musketeers were born by Caesarean section at the 34th week of pregnancy, and after a somewhat shaky start that included tube feeding and a prolonged stay in the premature labor, they were released to their parents to show them what a real challenge is.
“It’s obviously not easy,” said the triplets’ mother, Claire. “I admit that at first I couldn’t really tell them apart either, so I painted each of their nails with different-colored nail polish so that I would know who was who. I would make sure to renew the color every week, so that I wouldn’t get confused. Now that they have grown a little, of course, I already know exactly who is who, and the whole deal is also easier.”
Claire and her husband, Paul, already have one son, William, who is three. “We really wanted him to have a brother, and not long after I had a natural and traumatic miscarriage, a little over a year ago, we found out about the triplet pregnancy, and we were overjoyed.”
“The chance for twins is 1 in 100, and for identical twins: 1 in 500,” says Associate Clinical Professor Zohar Nahum, director of the Maternal and Fetal Unit at the “Haemek” Medical Center, from the Al-Hakhalit Group. “The chance of a triple is these chances squared, which leaves us with a decidedly low probability.”
In the case of identical triplets, like this triplet, what happens is that a normal, single embryo is created, which splits into three within a few days of fertilization. In fact, no one can say exactly why this happens. Probably the strongest element is simple coincidence.
“The hereditary factor affects mainly cases of non-identical twins and triplets (which are created due to the ovulation of more than one egg),” explains Prof. Nahum, “so in cases of multiple pregnancies with identical embryos, we really depend mainly on luck, as hard as it is for scientists to admit this. In recent years, we have seen an increase in the number of twins and triplets, both identical and non-identical, due to the increase in the rate of pregnancies achieved through fertility treatments.”
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.
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.
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.
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.
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.
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.
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.
FAQs1. 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.