Little Willow’s birth position ᴘᴜᴢᴢʟᴇᴅ ᴅᴏᴄᴛᴏʀs and mum Lily Paziuk, 20, who has dubbed her daughter her ‘ʟɪᴛᴛʟᴇ ᴄʜɪᴄᴋᴇɴ’. New mum who noticed her baby daughter was always covering her face during sᴄᴀɴ photos wassᴛᴜɴɴᴇᴅ to realise it wasn’t with her hands – but instead her ʟᴇɢs. 
Lily, from Cleckheaton, West Yorkshire said:”I had no idea babies could be born like that.I thought her Fᴇᴇᴛ were back to front at first and wondered what was going on. The ᴅᴏᴄᴛᴏʀs were sʜᴏᴄᴋᴇᴅ. I was quite out of it but I do remember they were all quite sʜᴏᴄᴋᴇᴅ. I could hear them all talking about it but I didn’t know what they were on about. They were all calling her a little gymnast. When I got back on the ward all the ᴍɪᴅᴡɪᴠᴇs were laughing that they couldn’t get her Fᴇᴇᴛ in the baby grow. It was definitely a ʙɪɢ sᴜʀᴘʀɪsᴇ for me to see her. I went to change her nappy for the first time and they just sᴘʀᴜɴɢ ᴏᴜᴛ. I was like ‘ᴏʜ ᴍʏ ɢᴏᴅ’. It was like the ᴇʟᴇᴘʜᴀɴᴛ in the room because I had loads of visitors come and see us and her ʟᴇɢs would spill out and no one dared ask about it. It’ll definitely be a joke as she grows older. I’ll never let her forget it.” 
Doting mum Lily has even affectionately dubbed her daughter ‘ʟɪᴛᴛʟᴇ ᴄʜɪᴄᴋᴇɴ’ because of the position’s hilarious likeness to a ᴄᴏᴏᴋᴇᴅ ᴄʜɪᴄᴋᴇɴ. Thankfully Willow, now one month old, was ᴜɴʜᴀʀᴍᴇᴅ and has returned her ʟᴇɢs to a more normal position over the course of three weeks. However, she still prefers to sleep with her ʟᴇɢs by her sides with her ankles by her shoulders in a split to rival an experienced gymnast. Lily said: ” We call her ʟɪᴛᴛʟᴇ ᴄʜɪᴄᴋᴇɴ because she still puts her ʟᴇɢs out to the side all the time, even in the position she sleeps in. She does just look like a ʟɪᴛᴛʟᴇ ᴄʜɪᴄᴋᴇɴ. Because I had her by ᴄᴀᴇsᴀʀᴇᴀɴ, I didn’t see her straight away so I had no idea.” The mum has since realised that it was Willow’s Fᴇᴇᴛ covering her face and can even spot it in her sᴄᴀɴ photos. 
She said : “I’ve got a sᴄᴀɴ photo at 15 weeks where she’s got her ʟᴇɢs ᴅᴏᴡɴ. But then the sᴄᴀɴ photos after that they always said to me ‘we can’t see her face, we can’t see her face, she’s got her hands all over her face’.” But Lily was ᴛᴇʀʀɪFɪᴇᴅ that moving her newborn’s ʟᴇɢs might ʜᴜʀᴛ her and was ᴅɪsᴀᴘᴘᴏɪɴᴛᴇᴅ she couldn’t dress her up in any of the new babygrows she had bought for her arrival. 
She added : “I felt ʙᴀᴅ because I spent a fortune on all these little baby clothes and she couldn’t wear any of them. She could only wear vests because her ʟᴇɢs wouldn’t go in anything. She ʙᴇɴᴛ ʜᴇʀ ᴋɴᴇᴇs the day after, but they were up at her side for about three weeks. I sᴛʀᴜɢɢʟᴇᴅ to hold her and couldn’t change her nappy. I didn’t even know where to begin. It was really funny, but I was sᴄᴀʀᴇᴅ of ʜᴜʀᴛɪɴɢ her as well. I was trying to work out if I could put her ʟᴇɢs together. They knew her ʟᴇɢs were up but they thought her Fᴇᴇᴛ were going behind her head – but they were over her face. It makes a lot more sense now that she’s out and they saw that her ʟᴇɢs were in that position as well.”
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.