Water births have been happening for some time now, but what happened to 37-year-old Josy Peukert is certainly singular.
In fact, the woman gave birth to her son in the waters of the Pacific Ocean on February 27, after she had never undergone any diagnostic checks during her pregnancy.
The moment in which the woman gave birth to her child was immortalized in a video, which was then posted on Instagram by the mother’s partner, immediately receiving a high number of views and comments. The very particular water birth took place near Playa Majagual in Nicaragua, and the video was posted on the same day of the birth.
This type of birth is known as a “free birth” and does not involve any medical assistance. The partner took steps to accompany the mother to the beach, bringing various tools necessary for the birth phase, including towels and a sieve, with which she took steps to capture the afterbirth.
The mother told the Daily Mail that she chose that day after monitoring the tide situation in the previous days.
When labor began, the other children were with friends, and her husband accompanied her to the beach. The woman said she had had this idea for some time, adding that the sea waves seemed to have a rhythm equal to that of her contractions. A flow so smooth that it makes her feel good.
In the video, some images show her kneeling in the surf, and in one clip, she is seen showing her newborn son to the camera with the umbilical cord still attached. Josy explained that after the birth, she returned to the waters of the Pacific Ocean to cool off. After this operation, the woman got dressed and returned home with her husband and the baby, who weighed 3.5 kilograms at birth.
Josy wanted her son to be born without any medical assistance in order not to have any worries, given that her first birth, which took place in a clinic, had been traumatic and the second child had been born at home with the help of a midwife, whose presence had seemed superfluous anyway.
There was no shortage of comments on social media, both auspicious and shocking: many users, including doctors, were in fact concerned about the potential health risks for mother and child. Infections, bleeding, and complications could have manifested themselves in any childbirth. However, Josy was keen to let it be known that she and the baby are doing well.
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.