The twins have beautiful brown eyes that attract attention every time they go outside.

The mother of these twins has no problem telling them apart after they were born with different skin colors – one black and one white.

Daniel and his fair-skinned brother David were born on February 26, 2019 in Lagos, Nigeria.

Daniel and David Omirin were born just minutes apart, but they couldn’t look less like brothers. Despite parents Stacy, 30, and Babajide, 38, being black, baby David has pale white skin and golden hair. While his brother Daniel has black skin and dark curly hair – just like his parents and four-year-old sister Demilade.

It’s because little David is albino – his skin and hair lack pigmentation due to a congenital absence of melanin. The twins – who both have beautiful brown eyes – attract attention every time they go outside in Lagos, Nigeria.

Out and about, people often question whether both kids are hers. She had no idea they had different skin colors until they were born. “It was a massive surprise,” she said. Her husband couldn’t believe it either. “He couldn’t believe what he saw either. They are so adorable, and it felt like we had been given a miracle. In Nigeria, I have never seen anything like this. To be honest, I have never seen anything like this before in twins.”

David was born with a condition called oculocutaneous albinism and affects one in 20,000 births each year. Stacy and the twins were discharged from the hospital after four days.

And when she introduced the tots to friends and family for the first time – their instant reaction was “wow.”

Stacy said: “The family think they are wonderful, and they are very popular in our family. They are so beautiful and cute, and to all of us, they are adorable.”

Stacy believes she is “blessed” to be the mother of Daniel and David who, despite their obvious visual differences, have matching playful personalities.

“They are special to everyone, and I love them. It feels special to be their mother because they are a special kind of twins. I believe I am blessed, and I am so proud of them.”

Stacy added that she has recently been contacted by a UK-based modeling agency who have reached out regarding potential photoshoots.


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.


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.


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.

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