The two babies were born in October before being separated earlier this week in a Texas hospital.
Doctors at Cook Children’s Medical Center in Fort Worth, Texas, performed a successful sᴜʀɢᴇʀʏ to separate conjoined twins on Jan. 23 in a procedure that took 11 hours and involved 25 medical professionals.
James Finley and Amanda Arciniega of Saginaw, Texas, are the parents of twin girls AmieLynn and JamieLynn, who were born last October, according to NBC Fort Worth affiliate KXAS.
In a segment that aired Jan. 26 on TODAY, the couple recalled the shock of finding out they were having conjoined twins, which happened during a 10-week ultrasound.
“On the ride home, we were quiet, and it was kind of sad,” Arciniega recalled as she teared up.
Only about one in every 200,000 live births results in conjoined twins. AmieLynn and JamieLynn were joined from the lower part of the breastbone to the belly button and had the same liver, creating a challenge for doctors trying to separate them.
“There is no medical book you’re going to open and it says, ‘Step one: conjoined twins separation.’ That does not exist because of the rarity of this,” said Dr. Ben Gbulie, a plastic surgeon at Cook Children’s Hospital.
Six surgeons were on the team of 25 medical professionals tasked with helping the girls. Dr. José Iglesias led the effort and said it showed just how much the human spirit and collaboration can accomplish.
“This is a testament to the human spirit to continue to research to be able to have the technology to do incredible and complex things,” he said.
As for the road ahead, Iglesias remains optimistic.
“I’m very hopeful that they’re going to have a good recovery and lead healthy lives in the future,” he told Cook Children’s Hospital. “They’re going to have a bit of a ramp up from the recovery, but I think they’re going to be able to get there eventually and very close to normal, if not completely normal.”
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.