Everyone knows that a baby recognizes its mother’s voice because it has spent all the time since it developed the ᴇᴀʀ ᴄᴀɴᴀʟ (from the 16th week of ɢᴇsᴛᴀᴛɪᴏɴ, they can already hear it) listening to it. Her bond with her mother, thanks to her voice and her smell, is immediate because the newborn baby easily recognizes her. Nature is that wise and makes sure that both baby and mother establish a strong bond, even during pregnancy.
The main image of this article went viral in a few hours on social networks because this newborn was caught smiling at her father while she was on her mother’s chest. It seems like a normal image of parents who are welcoming their baby into the world, but what is most liked of all is that this precious baby smiled just at the moment when she heard her father’s voice.
The baby recognized her father’s voice, and that is why, when she heard it, she directed her gaze and smile to where he was. This is possible because this father spoke to the mother’s ᴡᴏᴍʙ whenever he could so that, in this way, the baby could recognize him at birth, and that’s how it was! Her father always told her everything he wanted her to do. The mother, Tarsila, commented to a media outlet:
“He said good morning when I went to work, and later, when I came back, I also said hello. He would always tell her that she would be there, and he would stroke my ʙᴇʟʟʏ. And amazingly, it always seemed that at the same time every day she would start moving”.
So, when the baby was born, the father, named Flavio, told his newborn baby the same words that he had been saying during the months of ɢᴇsᴛᴀᴛɪᴏɴ while his little girl was in her mother’s womb. Antonella, the baby, immediately recognized her voice and let everyone know it with a beautiful smile.
The little girl was born on August 11, Father’s Day, in Rio de Janeiro, Brazil. Her father said the following to a Brazilian media outlet:
“I thought I knew what a feeling of true love was until I looked at the most sincere smile in the world… That’s when I could be sure what love is.”
Unborn babies, from their mother’s ᴡᴏᴍʙ, are able to hear sounds from outside, and if they are repeated at birth, they can distinguish them. What’s more, a baby in the ᴡᴏᴍʙ is also capable of differentiating between different languages. Unborn babies begin to learn about the world before they are born, and this is great proof of this. For all this, it is highly recommended that both mothers and fathers speak and sing to their babies before they are born, since it is a way of relating to them before they are born.
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.