The little angel is called “the Joker girl”

Little Ayla Summer Mucha was born with a rare condition called bilateral macrostomia, which prevents the corners of her mouth from properly fusing during pregnancy. This condition gives her the appearance of a permanent smile and will require future surgery.

Despite the challenges she faces, Ayla has managed to bring joy to millions of strangers online. Ayla was born in December 2021, and so far, only 14 cases of this condition have been reported worldwide.

Her parents, Cristina Vercher, 21, and Blaize Mucha, 20, are currently in discussions with doctors about the possibility of surgery to correct her wide smile. They are concerned that her condition may affect her ability to latch or suckle.

In an effort to raise awareness and gather more information, Ayla’s parents started a TikTok account to share their experiences. They hope to connect with others who may have gone through similar situations.

Cristina expressed her initial worries as a mother and the self-doubt that plagued her. However, she and her husband were reassured by multiple doctors that this condition was beyond their control and not their fault. The discovery of Ayla’s condition came as a shock to both parents, as they had never met anyone with macrostomia before.

The details of Ayla’s surgery are yet to be determined, but her parents have been informed that the procedure will involve a skin closure with minimal scarring. They are concerned about the challenges they will face as a couple after the surgery.

Patients with Ayla’s condition are advised to undergo surgery for functional reasons as they grow older. The medical team at Flinder’s Medical Centre in Adelaide, South Australia, was initially puzzled by Ayla’s case, as they had never encountered it before and it had been missed during the prenatal scans.

The family shares their journey and Ayla’s adventures on social media. One particular video of Cristina dressing her daughter has received over 46 million views and garnered an outpouring of support from users.

While social media can be a divided space, Cristina and Blaize have received an equal amount of love and support alongside negative comments. They are grateful for the positive response and have also connected with other mothers facing similar experiences. They remain determined to share their experiences and favorite memories, as they take pride in their daughter.

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.