A mother is devastated after losing her ‘mermaid’ baby just minutes after she gave birth.The unnamed baby, whose sex was unclear due to its fused legs and ‘missing genitals’, had a rare condition known as sirenomelia or ‘mermaid syndrome’, which has no known cause. Disksha Kamble, 25, gave birth naturally on Monday morning at a government-run hospital in Beed in Maharashtra, western India.Mrs Kamble had undergone just one scan during her eight-month pregnancy and therefore only learnt about the baby’s condition when she first saw it after giving birth. Her husband Nanoba Kamble, 32, a daily-wage labourer, said: ‘My wife and I are shattered with the loss of our child. We have never seen or known a baby like this.’ Mermaid syndrome is thought to affect one in every 60,000-to-100,000 births. 
An unnamed baby, whose sex was unclear due to its fused legs and ‘missing genitals’, died within minutes of being born with a rare condition known as ‘mermaid syndrome’
The baby’s parents Disksha and Nanoba Kamble (pictured) are ‘shattered’ by their loss
X-rays taken after the baby died show the ‘fin-like mass’ that developed in the place of legsSirenomelia, also known as mermaid syndrome, is an extremely rare disorder that causes partial or complete fusion of the legs. 
It affects one in between 60,000 and 100,000 births. Sufferers may also have gastrointestinal complications and the lack of, or underdeveloped, kidneys. Its cause is unknown. Most sufferers die as newborns due to lung complications and heart defects. Treatment involves surgically separating the legs. Source: National Organization for Rare Disorders Mrs Kamble arrived at the hospital with her husband after experiencing labour pains early on Monday morning. The couple lost a child three years ago but have since had a healthy daughter. Dr Sanjay Bansode, a gynaecologist at the hospital, was shocked to discover the baby came out weighing just 3.19lbs with ‘fins’.He said: ‘It is an extremely rare condition. The mother had arrived at 7am in the morning and by 9am she had delivered the child through natural birth. ‘We were anticipating a head or legs but a strange “fin-like” mass came out. ‘Everyone of us were shocked to see the baby. My students had never seen something like this before. ‘The baby not only had legs fused together and missing genitals but also had other internal anomalies like renal and lungs deformity. ‘The baby could not survive more than 15 minutes.’ 
Due to the baby’s mother having just one scan, she was unaware of the infant’s disorder
Its parents, who struggle to make ends meet, are ‘devastated’ after their baby was born a ‘fish’
Gynaecologist Dr Sanjay Bansode (pictured) said it could not survive more than 15 minutes
This is due to the baby suffering ‘internal anomalies like renal and lungs deformity’, he said‘Our baby was born like a fish’ 
Speaking of seeing his child for the first time, Mr Kamble said: ‘I saw the child after delivery and was shocked to see it had no legs. It was very tiny and the legs were fused. ‘We are daily wage labours and somehow make our ends meet. ‘After we lost our first child within a day of her birth we went for ultrasounds during our second pregnancy and only went for it once this time.‘We were told the baby had some issues but it was too late and we were prepared for everything. ‘But we are devastated and cannot believe how and why our baby was born like a fish.’
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.