There are few things more precious in life than holding a tiny new infant in your arms. Newborns are so incredibly adorable, from the top of their sweet-smelling heads to the tips of their teensy little toes. It’s easy to find yourself overwhelmed by the purity of these tiny human beings, and the video you’re about to see is proof positive that love at first sight truly does exist.
This is the heartwarming moment a little girl couldn’t hold back her tears when she met her baby cousin for the first time.
Bree Miller of Reseda, California recently gave birth to her first child, a daughter named Marley Rae. When it came time for the tiny infant to meet some of her family members, Bree had her camera ready to capture the sweet moments. The video, filmed in Simi Valley, California, captured the young girl as she sat on the sofa in a sitting room.
Two of Marley Rae’s new cousins were paying a visit that day to check her out. As Bree held and fed the baby, the two little girls seemed rapt with attention. They would tentatively reach out to touch her downy-soft hair, and both couldn’t wait to get that little girl in their own arms to hold her. As soon as Bree placed a sleeping Marley Rae into her niece Tiffany’s arms, the little girl seemed overwhelmed. Tiffany’s eyes got misty with tears as she gazed into the newborn’s face, holding her close against her body. A few seconds later, those misty eyes turned into full-fledged tear drops as the little girl’s emotions kicked into overload!
Anyone who has ever felt a surge of love for a child will recognize the look in little Tiffany’s eyes as she cradles Marley Rae to her chest. She seems to be a natural caregiver with a big heart, and we can see she’s going to be the best cousin anyone could ever ask for!
The little girl watched in awe at her new cousin as they yawned and scrunched their eyes, squealing slightly in the child’s lap.
But the overwhelmed tot just smiled at the baby as they settled back down and fell asleep.
“What do you love about her?” Bree asks Tiffany from off-camera. After a pause, the little girl whispers simply, “I love everything about her.” Aww! Recognizing that this lovely moment between new family members was something special, Bree uploaded her videos and pictures to Instagram where they swiftly went viral.
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.