Parenting is a ʜᴜɢᴇ ᴄʜᴀʟʟᴇɴɢᴇ, especially if a person becomes a parent at a very young age. This is exactly what happened with Maddie Lambert. She was only 14 when she found out she would be a mom. After the birth of her baby girl, Maddie began to actively engage in social media, showing adolescents of a similar age that if you really want to, you can do it perfectly well. Maddie Lambert is an American vlogger. The teenager runs a vlog called “Foreverlys”. Her channel has already been subscribed to by over 1.5 million fans! It is quite a feat for such a young girl.
On her channel, the 15-year-old honestly shows what her everyday life is like. On the profile, we can see not only stylized photos and videos, but also those that show that it is not easy at all. It is worth noting that a teenager’s publications do not encourage peers to become parents at such a young age. On the contrary, a young mother simply tries to show girls in a similar situation that everything can be dealt with. She wants them to know that they are not alone. Maddie said: “You shouldn’t support ᴛᴇᴇɴ ᴘʀᴇɢɴᴀɴᴄʏ, but you should support ᴘʀᴇɢɴᴀɴᴛ teens.”
Maddie became ᴘʀᴇɢɴᴀɴᴛ when she was 14. When her first sʏᴍᴘᴛᴏᴍs appeared, she was sure they were related to the ᴅᴇᴘʀᴇssɪᴏɴ that had caused her to break up with her first serious boyfriend. Ultimately, the teenager decided to do a ᴘʀᴇɢɴᴀɴᴄʏ ᴛᴇsᴛ. The result turned out to be ᴘᴏsɪᴛɪᴠᴇ. The girl got sᴄᴀʀᴇᴅ, especially since she had just separated from the baby’s father. But in her ʜᴇᴀʀᴛ, she knew she could handle it. She said: “When I actually got ᴘʀᴇɢɴᴀɴᴛ, I was so sᴄᴀʀᴇᴅ of the reaction I was going to get, and I did get a lot of ɴᴇɢᴀᴛɪᴠᴇ ʀᴇᴀᴄᴛɪᴏɴs, a lot of hate. Everybody had something to say, and they didn’t hold back.”
She added: “People would say, ‘You’re ʀᴜɪɴɪɴɢ your life’. I had people send me the address to ᴀʙᴏʀᴛɪᴏɴ ᴄʟɪɴɪᴄs when I was about seven months ᴘʀᴇɢɴᴀɴ. Somebody even messaged me saying ‘I hope you guys both ᴅɪᴇ ɪɴ ʟᴀʙᴏᴜʀ’. I took that and I shifted it. I said ‘this is making my life’. The hate made me want to do better and show them that I can be the best mum ever.” Maddie’s determination has paid off. She had her daughter Everly three years ago and says being a parent has ‘sᴀᴠᴇᴅ her life’. The mum explained: “Everly didn’t only change my life, but she sᴀᴠᴇᴅ my life. I sᴛʀᴜɢɢʟᴇᴅ with ᴅᴇᴘʀᴇssɪᴏɴ before and had a sᴜɪᴄɪᴅᴇ attempt at 13, before I got ᴘʀᴇɢɴᴀɴᴛ with Everly.”
Despite all the adversities, Maddie was happy and loved her little daughter with unconditional love from the very beginning. The girl was also lucky that her mother was very supportive of everything. The woman said that she would not leave her in such a difficult situation and would do anything to help. In one of her videos, Maddie recalled the words her mother said to her when she found out that the 14-year-old was ᴘʀᴇɢɴᴀɴᴛ: “Maddie, you’ll be fine. I love kids. We can handle it. You are a strong girl. Don’t step back and look to the future. We’ll manage.” Eventually, after a rather difficult ᴘʀᴇɢɴᴀɴᴄʏ, Maddie ɢᴀᴠᴇ ʙɪʀᴛʜ to a beautiful baby girl, whom she named Everly.
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.