She’s an internet star before she can even say the word “viral.”
Ayla Summer Mucha, an infant who was born in December, has become a TikTok star after her parents began using the platform to raise awareness for her condition in which she was born with a “permanent smile.”
Cristina Vercher, 21, and Blaize Mucha, 20, were thrilled to meet their newborn, but were given the surprising news that Ayla’s mouth was not “normal.” The newborn had developed bilateral m͟a͟c͟r͟o͟s͟t͟o͟m͟i͟a͟, an ultra-rare condition where the corners of the mouth do not fuse together properly while in the womb.
This severely affects the aesthetics and function of the oral cavity. Due to this condition, the baby has got a permanent smile on her face and made her a social media star. Her mother shared several images of the baby on Instagram. Cristina Vercher and Blaize Mucha were given the news by the doctors in Australia as they said that Ayla developed this condition in the womb.
Ms Vercher, while speaking to us said, “Blaize and I were not aware of this condition nor had I ever met someone born with a m͟a͟c͟r͟o͟s͟t͟o͟m͟i͟a͟. So it came as a huge shock.”
A comparative study published in Cleft Palate-Craniofacial Journal in 2007 noted just 14 cases. While it’s possible that occurrences could have risen since, the condition is still so rare that it was the first time the doctor at Flinders Medical Centre had ever seen it.
Macrostomia, though, is more than just a cosmetic abnormality — it can affect how infants function, especially with latching and suckling. Because of the impact it has on facial functionality, patients with macrostomia are often told to get surgery.
“We are yet to receive the exact specifications of the surgery, yet we know this involves a skin closure that results in minimal scarring,” Vercher said. “The challenges we will face post surgery are worrying as a couple.”
They were reassured by an array of doctors that it was out of their control as parents and not their fault as they waited for genetic testing to be completed.
Sharing an adorable picture of the baby, she wrote, “My Darling Lala. Better late then never. Running 2 days behind at all times… Almost out of her premmie suits.” This has melted hearts all across social media. Have a look at the picture:
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.
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.