Devinia Smith entered the world on May 1st, leaving her family in awe with her enchanting mane, reminiscent of pure snow.
Her mother, Jessica Smith, 27, from Amory, Mississippi, couldn’t help but draw parallels between her daughter and the Game of Thrones character Daenerys, thanks to their matching silvery locks.
As Jessica arrived at Gilmore Memorial Hospital, anticipation filled the air for the arrival of her newborn. After a strenuous journey, she finally gave birth to a beautiful baby girl. But when she laid eyes on her baby for the first time, disbelief washed over her. Even the nurses and doctors seemed equally surprised.
Little did Jessica know that her baby would garner so much attention when she shared photographs on social media. People from all around the world adored the photos and showered her with compliments. One woman commented on her Facebook post, saying, “I love seeing her pictures! She is such a beautiful baby!!! One of the most beautiful babies that I have ever laid eyes on!!!”
While doctors diagnosed the baby with partial albinism, apart from regular check-ups for her vision, Devinia is perfectly healthy. Jessica had limited knowledge about albinism or partial albinism and what it meant for Devinia’s future. However, her physicians assured her that aside from the appearance of white hair, her daughter was in perfect condition. As she grows older, the condition should not bother her significantly; she will only require extra eye tests to ensure they remain undamaged, and she’ll need to be cautious with sunscreen.
Jessica, a full-time mother of three, expressed her surprise, saying, “I never expected her to have hair like that. I didn’t know until she was born. The doctor told me she had a lot of hair during delivery, but it was a shock when I saw her for the first time. She had so much hair, it was crazy. I hadn’t seen a baby like that before—others were blond, but not white. I think it makes her extra special.”
Devinia’s unique locks have already attracted attention both in public and online. Jessica shared, “She’s so tiny; we haven’t taken her out much, but when we took her for a hospital visit, a little girl said she looked like a baby doll. When we posted her photos online, they were being viewed thousands of times.”
As the images and articles spread across the internet, a flood of comments poured in. Jessica was taken aback, not only by the overwhelming number of shares and comments Devinia received but also by the fact that some people doubted the authenticity of the images.
Reflecting on the experience, Jessica said, “I couldn’t believe how much attention the photos were getting. People thought it had been photoshopped.” However, Jessica and her family reassured viewers that Devinia’s hair was indeed very real.
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.