A baby with two faces was born in a northern Indian village, where she is doing well, her father said Tuesday.
The baby, Lali, apparently has an extremely rare condition known as craniofacial duplication, where a single head has two faces. Except for her ears, all of Lali’s facial features are duplicated – she has two noses, two pairs of lips, and two pairs of eyes.
“My daughter is fine – like any other child,” said Vinod Singh, 23, a poor farm worker.
Rural India is deeply superstitious and the little girl is being hailed as a return of the Hindu goddess of valor, Durga, a fiery deity traditionally depicted with three eyes and many arms.
Up to 100 people have been visiting Lali at her home every day to touch her feet out of respect, offer money and receive blessings, Singh told The Associated Press.
The girl has found easy acceptance in Kumar’s large, extended family, who say they have no plans to consult doctors to check if the girl can receive treatment or corrective surgery.
“The doctor said everything is normal when she was born. So where’s the need to get medical help?” said the child’s father.
“She’s fed through one mouth and sucks her thumb with the other. We use whichever mouth is free to feed her,” the 24-year-old Kumar told AFP, adding she is eating and breathing normally.
Doctors said it was an extremely rare case, with the girl having two skulls joined together, and that separating them was out of the question.
But doctors said the girl should be examined thoroughly to study the possibility of c͟o͟m͟p͟l͟i͟c͟a͟t͟i͟o͟n͟s͟.
“Clearly the child is in no immediate danger but it has to be checked whether the oral and nasal cavity and other passages” are functioning correctly, pediatrician Gupta said.
Two-year-old Lakshmi Tatma’s case captivated the nation last year as domestic and international media focused on her complicated surgery performed in southern Bangalore city in November.
Photos of the baby (via The Daily Mail).
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.