Putting children to bed can be a real challenge for parents. It’s not enough that babies can’t close their eyes all night, but it can be difficult to get older children to bed as well.
However, this mother of 9 children – all under the age of 10 – has perfected her bedtime routine and even finds time to read to the little ones. Chloe, 29, and her husband, Ro, from Perth, Australia, are the parents of 9 children, including a set of twins and triplets.
Juggling all 9 children at the same time is a challenge for Chloe, but daily routines like going to bed at night have gotten easier over the years. As bedtime approaches, the children gather their toys while the mother prepares dinner.
While the older children are eating, Chloe feeds the younger ones who cannot yet eat on their own. After dinner comes bathing – the older children take a bath one after the other, and Chloe bathes the younger ones. The woman’s youngest daughter, Birdie, was born in March 2022.
Chloe and Ro’s children are Evan, Otto and Felix, triplets Rufus, Henry and Pearl, twins Cosmo and Sylvie and the newest addition to the family, Birdie. The family has their own YouTube channel called Life With Beans, where they showcase various fun activities as well as mundane things like their evening routine.
Their ninth child, Birdie, was born on March 16, 2022, and Chloe shared the happy news on Instagram.
“We are very happy to announce that our precious little girl finally arrived yesterday morning. He is now resting at home with his 8 siblings. Thank you for the well wishes. We love him so much. We feel like we are in seventh heaven,” the happy mother wrote.
On January 14, 2021, Chloe shared the video of the evening routine on YouTube, which has since been viewed by nearly 3 million people. In this video, only 8 children can be seen, as Birdie was not born at that time, the youngest were the twins, Cosmo and Sylvie.
After the children are all bathed, they get dressed in matching pajamas, then before falling asleep they snuggle up a bit with their youngest siblings and Chloe reads them a story.
After the story, it’s bedtime. The three older boys can still read a little before falling asleep, but the triplets are immediately swaddled by their mother. Since the twins were still very young when the video was made, it took a little longer to put them to sleep, but Chloe eventually put them in their cribs.
After Birdie’s birth, the formula must have gotten even more complicated, but Chloe and Ro are probably doing just fine anyway.
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.