The story of Adiah and Adrial, the most premature twins in the world, moved the whole web and put the emphasis on a particularly debated topic in the medical field, namely the importance of providing greater assistance to premature births, even in situations as extreme as this.
The story of Adiah and Adrial one year after their birth
On March 4, 2022, what many would call a miracle took place: the world’s most premature twins were born. Adrial and Adiah Nadaraja were born 126 days before their expected due date, breaking the previous record of 125 days set in 2015 by Kambry and Keeley, twin Americans. The Guinness Book record for the most premature baby ever is held by little Curtis, born after just 21 weeks and 1 day of gestation and with a record weight of 420 grams.
A few days ago, they completed their first year of life, and thus, Adiah and Adrial became part of the Guinness World Record both for being born very early and for their weight: Adiah, in fact, weighed just over 300 grams, while Adrial weighed 420. Thanks to the help of doctors, Shakina Rajendram, the mother of the two babies, was able to complete the birth despite having to face complications that put a strain on the birth of her two children.
When the will to be born overcomes the complications of a difficult birth
It was Shakina herself who told, with an open heart, all the difficulties she had to face due to the preterm birth and the great concern of her husband Kevin. Shakina, in fact, had to go to Toronto to the “Mount Sinai Hospital”, which specializes in the birth of premature babies.
Once she arrived, her condition aroused much concern among the medical team, so much so that they communicated to Shakina that the chances of survival for the twins, given the premature timing, were really remote. The woman tried with all the strength she had in her body to postpone their birth as much as possible. However, the desire to come into the world was so strong that Adiah and Adrial, at midnight and fifteen minutes on March 4, 2022, faced life for the first time.
How are Adiah and Adrial today
Today, the twins are growing well and are living their childhood without any particular health problems. Adrial has had to face some health problems, but has always been monitored by premature follow-ups. Mom Shakina and dad Kevin are serene today because, despite the difficulties and concerns they have had to face, their family has returned to smiling.
Happy birthday to twins Adiah and Adrial, new record holders for being the most premature twins 👨👩👧👦 pic.twitter.com/X2h5G5EQrZ
— Guinness World Records (@GWR)
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.