“Celebrating a little girl’s transformation: From her ‘Batman’ birthmark to embracing her dream of being a princess”

Doctors in Russia have used pioneering new methods to safely remove a “Batman mask” birthmark from a two-year-old Florida girl.

The huge nevus birth mark that covered most of little Luna Tavares-Fenner’s face has been removed, the medics say.

Luna has made regular trips with her mother to Russia for more than two years to receive medical treatment – photodynamic therapy – not available in the US.

At one pointthe treatments had to be put on hold because of visa issues.

But now, after flying home forChristmas, she will return to Russia in the New Year for one final round of cosmetic treatment.

Luna when she was six months old

Speaking to East2West News, Dr Pavel Popov, one of the medical team who treated the two-year-old, said: “Luna has already started speaking and she says herself: ‘My black spot has gone. I am a princess’.”

Luna’s surgery was carried out in a clinic in Krasnodar – a Russian city close to Ukraine

Her treatment coincided with tensions between Russia and Ukraine, as well as the Covid-19 crisis, but Luna and her mother Carol Fenner, 37, managed to keep returning so the girl could receive the groundbreaking treatment.

And there has been a positive result from the Russian medical treatment which has medics say has prevented possible skin cancer for the toddler.

The birthmark is now almost completely gone

“We only had six operations to remove the nevus and have succeeded in making it disappear,” explained Dr Popov.

“The main medical part of the task is done. This does not mean that we have finished treatment at all – we are letting Luna rest from the treatment she has undergone and then we will undertake the aesthetic surgeries.

“Later we aim to make sure Luna will not have any complexes when she comes to the age where she is concerned about her appearance.”

Luna is delighted with the results

“I am completely satisfied with the result of the surgery,” he said. “Luna is very loyal to us. Often there is an aversion to the medical staff… children are afraid of doctors.

“But Luna brings her dolls to the appointment every time – and asks me to treat their faces, “I attach a plaster to the doll’s face, and Luna is happy that the doll is also treated.

“I can’t tell you how long the cosmetic part of Luna’s treatment will take,” he says, “it depends on too many factors – pandemics, lockdowns, visas.” But he is sure it will bring great results for Luna.

The two-year-old will still need some cosmetic surgery in the new year 

Luna’s mum said she was grateful for the treatment not involving invasive and “aggressive” surgery, which would have been the case elsewhere.

“Luna is good now,” she said, “her bandages are off.

“We’re going to fly away for Christmas and come back for the final cosmetic surgeries at the end of January.

“I don’t regret at all having the treatment here.

“Luna doesn’t feel the pain, she dances a few hours after the surgery.”

Luna’s mum and dad have always done their best to make her feel ‘normal’ 

What is happening where you live? Find the news near you with InYourArea.

Carolina, a US citizen originally from Brazil, says she is “really happy” and speaks to other mothers receiving different treatments in the US.

“I spoke to a lot of mothers doing traditional surgeries in the US and they are more susceptible to infections.

“The kids stay in hospital a long time, and undergo general anaesthetics.

“Multiple anaesthetics would have demolished Luna’s physical and mental health – she had only had a local.”

Carol and her husband Thiago Tavares, 33, raised tens of thousands of dollars for their daughter’s treatment in Krasnodar and also had the support of an anonymous Russian donor which they described as “a miracle”.

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.