Eboy and Jamie, both 34, met in 2016 and have a three-year-old son named Harley. Additionally, Jamie has a daughter named Hollie Pie from a previous relationship. Harper was born in September 2020, weighing 8 pounds and 4 ounces, and joined their small family. 
On the left side of her face and neck, little Harper was born with a birthmark, which occurs in 1 in 20,000 births. Kiig, Eboy, and Jamie, the devoted parents of Harper, were rendered speechless when they first saw the large birthmark spanning the majority of her face. They were both amazed and concerned about how others would regard her as she aged.
Eboy, 23, from Huddersfield, Yorkshire, stated, “The birthmark was a huge shock, and it saddens me to consider how Harper may be regarded as she matures. Humans can be so vicious.” 
Regardless of your appearance, you will always be your parents’ child, their angel, and the embodiment of their affection. Despite their initial reservations, Harper’s parents declined surgery to allow her to make her own decisions as she grew older, stating that “it made her even more beautiful.” Her siblings refer to it as her’special mark,’ and we concur; Harper is indeed unique. With her birthmark, she becomes more attractive every day, and we make sure to tell her that every day.
Eboy claims that Harper was born via caesarean section. Jamie told me after giving birth, “She has a very large birthmark on her face.” “I was speechless as soon as I saw her. I could not believe that she concealed half of her visage. I believe I was in shock at the time, so I did not settle down and cry for a very long time, perhaps two weeks. I feel more sorry for Harper and any future prejudices she may encounter than for myself.” 
The therapist informed the family that the birthmark was a melanocytic naevus cogenital and that a significant facial birthmark occurs in only one in 20,000 births.
Fortunately, it is just a birthmark, and although Harper will require additional testing, it is unlikely to pose a serious health concern. They were given the option of surgically removing the birthmark, a procedure that would require a skin graft and would likely be costly and leave scarring.
Since her birth, the birthmark has diminished slightly, but it will never completely disappear, according to Eboy. We decided to postpone Harper’s surgery until she is old enough to make her own decision. It is her responsibility to make this difficult decision. 
As our child matures, we will leave all decisions to him out of reverence for his judgement. Nevertheless, you are a wonderful addition to the lives of this small family. Our children have always loved each other, and Eboy and I are happier than ever to observe their growth and acceptance of one another
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.