A woman gave birth to three absolutely identical babies – this happens once in a million.
26-year-old British Katie Crow, being the mother of a beautiful son, could not imagine that the second pregnancy would bring her three babies at once.
The young woman learned of this ᴍᴀssɪᴠᴇ ʀᴇᴘʟᴇɴɪsʜᴍᴇɴᴛ during a screening at 12 weeks pregnant.
“Take a deep breath… I see three hearts,” the doctor stunned.
To say Kathy was sʜᴏᴄᴋᴇᴅ is an understatement. She became pregnant naturally, and there were no ᴘʀᴇʀᴇǫᴜɪsɪᴛᴇs for multiple pregnancy.
But then, Katie did not yet know how unique her case was. Typically, two ᴇɢɢs are ꜰᴇʀᴛɪʟɪᴢᴇᴅ during triplets. One of the ᴇɢɢs splits, forming two ᴇᴍʙʀʏᴏs. As a result, two twins and one not quite similar baby are born.
But Katie’s three babies were identical, so they were born exact copies of each other. This happens only once in 200 million births.
With multiple pregnancies, delivery is considered normal at 32 weeks. Katie gave birth on the 30th. The ᴄᴏɴᴛʀᴀᴄᴛɪᴏɴs began, and the doctors performed an ᴇᴍᴇʀɢᴇɴᴄʏ ᴄᴀᴇsᴀʀᴇᴀɴ sᴇᴄᴛɪᴏɴ. Oᴘᴇʀᴀᴛɪᴏɴ was successfully completed. Katie gave birth to three boys. Joshua and Eddie weighed 1.4 kg, and baby Tommy weighed 1.2 kg.
The babies turned out to be so similar that Katie and her husband, Rob, had to temporarily leave hospital name tags on the little ones’ arms. Parents simply did not distinguish between their children.
The twins are now three months old. They have grown stronger and are already giving their parents their first smiles.
“I am the happiest woman on earth,” says the mother of many children. But once, having learned about the triplets, she cried with fear:
“At once, so many thoughts and experiences fell on us. We cannot afford a big car or a bigger house. But then my grandmother said, “Everything in life happens for a reason.” Now my children are here, next to me, and I feel like I am in a huge bubble of happiness.”
After learning about the big addition to the family of Katy and Rob, the neighbors anonymously left gifts on their doorstep: packs of diapers and other baby items. Such a touching gesture towards a large family.
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.