Second labors tend to be shorter than first labors, but as with everything in birth, they’re unpredictable. This mama had some ᴘʀᴏᴅʀᴏᴍᴀʟ ʟᴀʙᴏʀ and was 3 cm for 3 weeks before they scheduled an ɪɴᴅᴜᴄᴛɪᴏɴ at almost 41 weeks!
They checked in to the hospital at 8 a.m. and started Pɪᴛᴏᴄɪɴ at 9:20 a.m. The doctor ʙʀᴏᴋᴇ her ᴡᴀᴛᴇʀ and casually mentioned that the baby would be out in time for a “late lunch.” My bags were packed and had been for weeks, so I just waited for the go-ahead to ʜᴇᴀᴅ ᴏᴜᴛ. Not even 2 hours later, she tells me the ᴄᴏɴᴛʀᴀᴄᴛɪᴏɴs are about 2-3 minutes apart and that she has ordered an ᴇᴘɪᴅᴜʀᴀʟ.
I had no idea how ᴅɪʟᴀᴛᴇᴅ she was, but I ran out the door. I arrived at the hospital at 11:34 a.m., and it was very clear she was in transition. The nurse suggested they get into position for the ᴇᴘɪᴅᴜʀᴀʟ, but the labor ward was super busy, so the anesthesiologist wouldn’t arrive for 20 more minutes.
The anesthesiologist arrives and starts trying to place the ᴇᴘɪᴅᴜʀᴀʟ, but things start to escalate very quickly. At 12:13 pm, the whole room realizes that this ᴇᴘɪᴅᴜʀᴀʟ isn’t going to happen because this sweet girl is coming. Fast. The nurse calls for a midwife because the OB wouldn’t make it in time, and sweet Pilar was born within a minute. Here is what this mama has to say about her birth:
“As the ᴄᴏɴᴛʀᴀᴄᴛɪᴏɴs ɪɴᴛᴇɴsɪꜰɪᴇᴅ, my assurance that the sweet relief of an ᴇᴘɪᴅᴜʀᴀʟ was imminent quickly ᴅɪssɪᴘᴀᴛᴇᴅ. The nurse and the anesthesiologist kept instructing me to “relax, hold still, stay put,” all while my body was sᴜʙᴍᴇʀɢᴇᴅ in wave after wave of ᴘᴀɪɴ that I didn’t anticipate.
It’s kind of nuts to say that, but I didn’t have the mental model and context of spontaneous labor and “natural” ᴄᴏɴᴛʀᴀᴄᴛɪᴏɴs as my first daughter’s arrival was also induced, and that ᴇᴘɪᴅᴜʀᴀʟ kicked in before things got too ɪɴᴛᴇɴsᴇ. Here I was, headed into the valley of darkness, and my only thoughts were, “This is not part of the plan!” I remember saying, “I can’t do this, I can’t do this!” over and over.
Then suddenly, it felt like the baby was ᴄᴏᴍɪɴɢ ᴏᴜᴛ and I’d be sitting on her! I recall screaming, “Something’s ᴄᴏᴍɪɴɢ ᴏᴜᴛ!” I was ᴛᴇʀʀɪꜰɪᴇᴅ. I didn’t know what was going to happen. I just felt as if I was going to be torn apart.
And this is the stunned face of a woman realizing that she has done what she never imagined she could do. I had a baby without an ᴇᴘɪᴅᴜʀᴀʟ – I’m still wrapping my head around this. Immediately after Pilar came out, all the ᴘᴀɪɴ was gone, and I just felt joy, relief, and love. I would have never thought that I was capable of this, and I’ve already had one child! I’m so thankful that Lisa was there to capture this amazing journey. I will treasure the revelation forever.”
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.