The story of Camden, a young boy with a disability, showcases his refusal to let his condition hinder his participation in activities that other boys enjoy. A heartwarming video captures Camden climbing stairs, sliding, and laughing with success. The video was shared on Facebook and quickly gained widespread attention. Camden was born with amelia-phocomelia syndrome, a rare condition that affects limb development, resulting in missing or underdeveloped legs and arms. Nevertheless, he remains determined and receives unwavering support from his caring older sister, Ryleigh, and his girlfriend, Karen Whiddo. The footage, shared by his 22-year-old mother, Katie Whiddo, reveals Camden’s resilience.
In the video, Karen can be heard saying, “Look at him lying on the toboggan, see if he can do it.” Later, she praises Camden’s abilities, asking him, “Can you do it?” to which he confidently responds, “Yes!” Camden fearlessly descends the slide, beaming with pride at his accomplishment. Karen adds in the video, which has garnered 13 million views in just two weeks, “Yes, he can do it all by himself, and if he wants help, he will ask for it.” His mother supports him throughout, although it takes her more than two minutes to reach the top of the slide. This routine is part of their everyday life, but Katie believes their friends and family would love to witness Camden’s achievements. Katie discovered she was pregnant at the age of 18 in 2013.
However, Camden continues to surprise everyone and constantly leaves them in awe. Katie writes, “I know most people see Camden as young, but if you truly pay attention, you’ll witness how he adapts to his own style and becomes independent.” The devoted mother frequently shares on her blog about Camden’s inspiring journey with his intellectual disability.
He is extraordinary and capable of accomplishing so many things that, without direct observation, one would never believe. You never know how fast he can move; he defies the limitations we often impose. Even if he has legs that may pause or move differently, he continues to progress and move quite swiftly. We should never underestimate him based on our preconceived notions. His parents are tirelessly working to obtain prosthetic pieces and may consider prosthetic arms as he grows older.
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.