Babies are full of surprises which sometimes make the new parents laugh . The day a little one takes birth, they starts showing his extraordinary and astonishing traits that prove that they are not only cute but are also a storehouse of weird facts. Here are just a few of the bizarre and crazy facts about newborn babies most people are unaware of.
1. The common birthmarks:
Some newborns are born with a mark of some sort. These marks sometimes scare the parents but they usually do not pose any threat. They disappear on their own within the span of 6 months. If they do not vanish and cause some problem to the baby, they may need medical help.
2. Learning to talk begins in the womb:
Your baby could hear your voice and other sounds from about 23 weeks of ᴘʀᴇɢɴᴀɴᴄʏ. So although she won’t say her first word until she’s about a year old, she’s learning about language right from the start. Your voice is your baby’s favourite sound, and she’ll love to hear you talk and sing to her. It’s never too early to start reading to your baby, and the more words she hears now, the better her language skills are likely to be later on.
3. Newborn babies cannot cry:
Well, that’s not exactly true. Babies can cry, but tears wont come until about a month later. Even then it’s in small amounts. Give it a few months and the tears will fall regularly.
4. Sometimes infants stop breathing:
You will certainly be a little sʜᴏᴄᴋᴇᴅ to know that sometimes infants hold their breath. This usually happens whenever they cry or are excited and while they sleep. Although they do this just for 5- 10 seconds, still enough duration to create ᴀ ᴘᴀɴɪᴄ sɪᴛᴜᴀᴛɪᴏɴ for the parents.
5. Their fine hair falls out completely:
Babies are born with dense hair on their bodies which do not stay with them for long. When they reach the age of four months, their ʙᴏᴅʏ will grow a completely new ʜᴇᴀᴅ of hair in place of the original ones which generally cover the baby’s back, ears, foreʜᴇᴀᴅ, and shoulders.
6. Babies are born with the ability to swim:
Newborns naturally ʜᴏʟᴅ their ʙʀᴇᴀᴛʜ when underwater, and even splash about with their arms and legs. If you take your baby to a swimming class you’ll see these innate talents in action!
7. Their first ᴘᴏᴏᴘ doesn’t stink:
Do you know that their first ᴘᴏᴏᴘ is not stinky at all? Basically, that ᴘᴏᴏᴘ is called ᴍᴇᴄᴏɴɪᴜᴍ which is nothing but ᴀ ᴛᴀʀ-ʟɪᴋᴇ substance that the baby’s ʙᴏᴅʏ ᴇxᴘᴇʟs from his ʙᴏᴅʏ. This substance is a sticky one with which their ɪɴᴛᴇsᴛɪɴᴇs are filled while the baby is in the ᴜᴛᴇʀᴜs.
8. Babies Have 300 Bᴏɴᴇs:
Unlike adults, babies are born with 300 Bᴏɴᴇs, which is almost 50% more. The Bᴏɴᴇs fuse together during growth that makes it 206. For example, the sᴋᴜʟʟ of the baby has several Bᴏɴᴇs that overlap one another during the birth to help the baby sǫᴜᴇᴇᴢᴇ ᴏᴜᴛ. Babies also have a very soft spot on the ʜᴇᴀᴅ called the Fᴏɴᴛᴀɴᴇʟʟᴇ. Before the sᴋᴜʟʟ grows completely, it is just a sǫᴜɪsʜʏ and sᴇɴsɪᴛɪᴠᴇ area.
9. Their favorite side is the right side:
Now if you see any newborn, notice the side he or she is lying on. Most babies prefer to face right while sleeping. Very few like to turn their face to the left when they lie on their back.
10.Your scent is the favorite smell of your baby:
While the mother is ᴘʀᴇɢɴᴀɴᴛ, the baby inside her relishes every tiny taste of everything that his mother consumes. After their birth, they get familiar with your natural scent. They also enjoy the flavors of whatever you intake through breast milk.
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.