She was just eight months old when her parents decide to make the 6,000-mile trip in the ʜᴏᴘᴇ of helping their daughter.
Little Luna Tavares Fenner flew to Russia in 2019 after her parents agreed to ᴘɪᴏɴᴇᴇʀɪɴɢ sᴜʀɢᴇʀʏ but now ᴠɪsᴀ ɪssᴜᴇs means she has had to return home to the ⓊⓈ weeks before her final ᴏᴘᴇʀᴀᴛɪᴏɴ. She has a ʀᴀʀᴇ sᴋɪɴ ᴄᴏɴᴅɪᴛɪᴏɴ ʟᴇᴀᴠɪɴɢ part of her Fᴀᴄᴇ ᴄᴏᴠᴇʀᴇᴅ in ᴅᴀʀᴋ ᴘɪɢᴍᴇɴᴛs. Luna’s ᴍᴀʀᴋɪɴɢ on her Fᴀᴄᴇ is ᴍᴇᴅɪᴄᴀʟʟʏ known as Gɪᴀɴᴛ Cᴏɴɢᴇɴɪᴛᴀʟ Mᴇʟᴀɴᴏᴄʏᴛɪᴄ Nᴇᴠᴜs (ᴳᶜᴹᴺ), a ᴛʏᴘᴇ ᴏf sᴋɪɴ ᴅɪsᴏʀᴅᴇʀ, and she had been receiving ᴛʀᴇᴀᴛᴍᴇɴᴛ in the city of Kʀᴀsɴᴏᴅᴀʀ in the Russian Federal subject of Krasnodar Krai. The ᴄᴏɴᴅɪᴛɪᴏɴ affects just 1.5 per cent of the world’s ᴘᴏᴘᴜʟᴀᴛɪᴏɴ and ᴘᴜᴛs sᴜFFᴇʀᴇʀs at an ɪɴᴄʀᴇᴀsᴇᴅ ʀɪsᴋ of ᴅᴇᴠᴇʟᴏᴘɪɴɢ a ᴄᴀɴᴄᴇʀᴏᴜs ᴍᴇʟᴀɴᴏᴍᴀ. It took ᴅᴏᴄᴛᴏʀs six days to ᴅɪᴀɢɴᴏsᴇ Luna’s ᴄᴏɴᴅɪᴛɪᴏɴ after her birth in March 2019.
Carol said: “I was in complete sʜᴏᴄᴋ. When Luna was first born nobody in the room knew what the ᴄᴏɴᴅɪᴛɪᴏɴ was. My last ᴜʟᴛʀᴀsᴏᴜɴᴅ before the birth had revealed nothing ᴀʙɴᴏʀᴍᴀl. I also receive a lot of ᴇɴᴄᴏᴜʀᴀɢᴇᴍᴇɴᴛ and people who tell me Luna is beautiful. When people say that she looks like the Bᴀᴛᴍᴀɴ sᴜᴘᴇʀʜᴇʀᴏ or a ʙᴜᴛᴛᴇʀFʟʏ that makes me happy. Luna is doing great. A lot of new discoveries… trying to walk, to dance, ᴄᴏᴘʏɪɴɢ everything I do…” Two years ago a Rᴜssɪᴀɴ sᴜʀɢᴇᴏɴ contacted her parents to say he could help. But sɪɢʜᴛ ᴅɪsᴀᴘᴘᴏɪɴᴛᴍᴇɴᴛ rained down on the family as their ᴠɪsᴀ ʀᴀɴ ᴏᴜᴛ and they were Fᴏʀᴄᴇᴅ to return to the ⓊⓈ.
They been Fᴏʀᴄᴇᴅ to ᴘᴏsᴛᴘᴏɴᴇ the last ᴏᴘᴇʀᴀᴛɪᴏɴ and fly back home. They now Fᴀᴄᴇ an ᴀɢᴏɴɪsɪɴɢ wait to find out when they can go back so the child can go under the ᴋɴɪFᴇ for a final time. The girls’ mother Carol announced that they had to return home with a post she shared on her Instagram page. She said: “We had three days to buy the flight ticket and come back home because our ᴠɪsᴀ ᴇxᴘɪʀᴇᴅ yesterday. I thought we would be able to finish all the sᴜʀɢᴇʀɪᴇs, but no. Now it’s time to wait for an ᴀᴜᴛʜᴏʀɪsᴀᴛɪᴏɴ from the Russian Consulate to go back soon. ᴅᴏᴄᴛᴏʀs stated that there is ᴄᴏᴍᴘʟᴇxɪᴛʏ since Luna’s ɴᴇᴠᴜ shas grown into her ᴇʏᴇʙʀᴏᴡs, and they will have to be ʀᴇᴍᴏᴠᴇᴅ.” However, they stated that the ᴅɪFFɪᴄᴜʟᴛɪᴇs are ᴛᴇᴍᴘᴏʀᴀʀʏ and Luna will be back for Fɪɴᴀʟ ᴘʀᴏᴄᴇᴅᴜʀᴇs. Luna was born in south Florida in the ⓊⓈ, with a ᴄᴏɴɢᴇɴɪᴛᴀʟ ᴍᴇʟᴀɴᴏᴄʏᴛɪᴄ ɴᴇᴠᴜs, which is a ʀᴀʀᴇ ᴛʏᴘᴇ of skin ᴅɪsᴏʀᴅᴇʀ. The ᴄᴏɴᴅɪᴛɪᴏɴ left her with a ᴅᴀʀᴋ ʙɪʀᴛʜᴍᴀʀᴋ ᴀᴄʀᴏss her Fᴀᴄᴇ which has seen her ᴅᴜʙʙᴇᴅ the ‘Bᴀᴛᴍᴀɴ’ girl. Carol had ᴘʀᴇᴠɪᴏᴜsʟʏ been told by ᴅᴏᴄᴛᴏʀs in America that ʀᴇᴍᴏᴠɪɴɢ the ᴍᴀʀᴋ would ʀᴇǫᴜɪʀᴇ a sᴇʀɪᴇs ᴏf ᴀʀᴏᴜɴᴅ 100 ʜɪɢʜ-ʀɪsᴋ ᴏᴘᴇʀᴀᴛɪᴏɴs using ʟᴀsᴇʀs.
However after Luna’s story made ʜᴇᴀᴅʟɪɴᴇs around the world, her parents were contacted by a Rᴜssɪᴀɴ sᴜʀɢᴇᴏɴ who offered to ᴘᴇʀFᴏʀᴍ ᴘɪᴏɴᴇᴇʀɪɴɢ ᴛʀᴇᴀᴛᴍᴇɴᴛ using ʟᴀsᴇʀ photo ᴅʏɴᴀᴍɪᴄ ᴛʜᴇʀᴀᴘʏ.
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.
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.
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.
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.
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.
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.
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.
FAQs1. 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.