A little baby girl who was born preterm and about whom doctors said she “wouldn’t survive” was finally reunited with her twin brother after being split up at birth. The moment that tiny twins who had been split apart at birth finally cuddled with one another.
Baby Neve and ‘big’ brother Louie were born via emergency C-section as she was not getting enough nutrients in the womb. The babies were delivered prematurely in an emergency c-section on 8 March when Laura Hough was 30 weeks pregnant. But brave Neve battled through and has now been reunited with sibling Louie several weeks later.
Laura Hough, 27, a new mother, was “overjoyed” to see them reunited two weeks following her C-section. Since then, Laura Hough and Chris Carey have been photographing the twins to chronicle their progress.
The first-time mum has also described her pregnancy and told how they feared Neve may not live.
She said: “They had me up the wall. I was going to the hospital twice a week as Neve, her placenta was deteriorating.
“She and Louie were in separate bags and he was fine but it was affecting her blood flow so I had to have an emergency C-section.
“For a good few weeks I was carrying them. I kept getting told by the hospital that she wasn’t going to make it.
“They wanted her to make it to 28 weeks so they were keeping an eye on her blood flow.
“And because it stayed stable they pushed it to 30 weeks before performing the emergency C-section.”
After the twins were born at Liverpool Women’s Hospital, Louie weighed over 3lbs but his sister was just over 1lb. But it was he who seemed to be suffering more after his premature delivery.
Laura, from Walton, Merseyside, said: “When they did come out she didn’t need any oxygen at all, she was fine. “It was Louie, both of his lungs collapsed because he had air in them. “So he ended up receiving treatment to drain the air out of his lungs.”
Laura said: “About two nights ago one of the other babies was being moved to a different unit so they brought Neve down and put her in the same room as her brother.
“Then they put them both in the same incubator at the same time yesterday,” she says. They ended up with their arms crossed, their legs crossed, and their hands clasped together.
“It was amusing to watch her try to wrap her hands around his neck.”
“To be honest, she’s wiped our eyes,” she continued.
All of the physicians who come to visit her have a soft place for her and are fond of the two of them. “I’m simply made up with them; it was the happiest day of my life.”
“To go from fearing that Neve wouldn’t make it to seeing them both cuddling and holding hands – there are no words.
“When they told me that Neve wasn’t going to make it, I couldn’t think straight.
“It was so difficult and so scary because I was so excited to meet them but I was so worried if they were going to be OK.
“When they were born it was a massive relief, I couldn’t have been happier.”
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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.
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.
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.
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.
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.
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.
FAQs1. 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.