Every ᴇxᴄʀᴜᴄɪᴀᴛɪɴɢ and exhilarating moment of birth has been beautifully captured in this year’s annual Birth Photography Competition, which recognizes the world’s most incredible images of birth.
Every year, the International Association of Professional Photographers competition celebrates the skill of birth photographers from around the globe in four main categories: birth details, ʟᴀʙᴏʀ, delivery and ᴘᴏsᴛᴘᴀʀᴛᴜᴍ. Four new subcategories have also been added: black and white, documentary, fine art and ʜᴀʀᴅsʜɪᴘ & ʟᴏss.
“We are incredibly proud of the entrants of this year’s competition because, in spite of all we ᴇɴᴅᴜʀᴇᴅ in our community in recent years, this contest represents the resistance birth photographers have to overcome unforeseen challenges,” said Liz Cook and Lacey Barratt, directors of the International Association of Professional Birth Photographers (IABPB).
“We are also thrilled to continue offering a new, impactful and powerful subcategory titled Hᴀʀᴅsʜɪᴘ & Lᴏss. We desire to honor the 1 in 4 birthing people who experience ᴍɪsᴄᴀʀʀɪᴀɢᴇ ᴀɴᴅ/ᴏʀ ʟᴏss and inviting images of these events into our celebration of birth photography is one way we can do this. We are proud to present to you a breathtaking body of work that shares life’s most powerful moments from 2022.”
From those precious first moments to the ᴀɢᴏɴʏ ᴏꜰ ʟᴏss, these are the best birth photos of 2023.
Best Overall First Place
Annemarie Fuckel of Annemarie Lea: “Crossing the Veil”, Germany
Best Overall Birth Details
Paula Beltrao of Paula Beltrao: “Waking Up at Sunrise”, Brazil
Best Overall Labor
Jessica Innemee of Vi-Photography: “Safe Space”, Netherlands
Best Overall Delivery
Mary Beliz of Mary Beliz Photos: “Life Beneath the Surface”, United States
Best Overall Hardship & Loss
Ebony Ankins of Ebony Ankins Photography: “Noahs Ark”, Australia
Best in Labor: Black & White
Laura Brink of Rewild Her Birth: “The Loyal Birth Attendant”, Australia
Best in Labor: Documentary
Laura Brink of Rewild Her Birth: “Drowning In Exhaustion”, Australia
Best in Delivery: Black & White
Karoline Saadi of Karoline Saadi Fotografia: “The Expected Meeting”, Brazil
Best in Delivery: Documentary
Jessica Miles of Jessica Miles Photography: “Hello, I Have Arrived”, United States
Members’ Choice Best Overall Labor
Nicole Hamic of Nicole Hamic: “I Call Down My Power”, United States
Honourable Mentions
Anne Lucy of Anne Lucy Silva Barbosa: “Cry of Love”, Brazil
Michelle Glenn of Michelle Glenn Photography: “Still”, United States
Erin Stetson of Erin Beth Birth: “You Are My VBAC Queen”, United States
Tiarra Doherty of Mother Wolf Birth Photography: “Beautiful Beautiful Boy”, United States
Julia Santiago of Julia Santiago Fotografia: “My First Seconds Here”, Brazil
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.