When photographer Lauren Chenault gave birth to her son, she wanted to document the experience. But instead of hiring a birth photographer, she decided to take matters into her own hands.
The mom photographed her own labor and delivery on Jan. 31.
Chenault said that taking pictures didn’t affect the experience. “I had my camera on my chest, and I just kept clicking away, hoping to get the shot I wanted,” she explained.
“I didn’t take any while I was actually ᴘᴜsʜɪɴɢ,” she added. “My friend Wendy, who was holding one of my legs, told me, ‘Get your camera ready, he’s coming.’ It wasn’t hard at all since I was just clicking a button.”
Although Chenault runs a photography business in Rockville Centre, New York, she had never photographed a birth before last week. “It’s an awesome concept that women can grow a child inside them and then ᴘᴜsʜ it out,” she told HuffPost. “And I wanted to document it.”
Chenault said she’d planned to photograph her first child’s birth but wasn’t fully prepared. “I didn’t realize I had to hold my own legs,” she recalled. This time, she brought her closest friends to help with the logistics.
The results were stunning.
The photographer credits her doctor, nurse, husband Byron and friends Wendy, Megan, Lauren and Becca for helping her bring this plan to fruition. The day after the birth, she posted some highlights on her Facebook page.
“Yes, I took my own birth photos. Yes, I know I’m insane, lol,” she wrote in the caption.
Chenault said she hopes her photos move people. She said, “I just want to show people how powerful women are and that we can basically do anything.”
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.