11lbs 8oz, which is also the birth weight of Sarah Dines’ baby, Montague, born last year, sʜᴏᴄᴋɪɴɢ ᴅᴏᴄᴛᴏʀs with her healthy baby. Montague, now 11 months, is Sarah’s first child, 35, who was born with the average weight of a three-month-old, despite being an infant.
Sarah Dines, 35, gave birth to her first child, Montague, a boy the average height of a three-month-old at birth. Monty went straight into toddler clothes, and now dresses two to three year olds. Sarah, a teacher, feels she has ʙᴜᴍᴘ, but the doctors predict Monty will weigh about 8 lbs. Initially, Sarah wanted to give birth underwater at her home in Broadstone, Dorset, without ᴘᴀɪɴ . But in the end there must be a C-sᴇᴄᴛɪᴏɴ, partly due to his sɪᴢᴇ. She said: “All the babies were normal, so I was ready to give birth at home. Initially, I just wanted to give birth underwater and that would be my own form of ᴘᴀɪɴ ʀᴇʟɪᴇғ. Monty was 10 days late, so it got to the point where ᴅᴏᴄᴛᴏʀ was talking about a plan C-sᴇᴄᴛɪᴏɴ or ɪɴᴅᴜᴄɪɴɢ me.”
In the end, Sarah had to go to ʜᴏsᴘɪᴛᴀʟ to get ᴇᴍᴇʀɢᴇɴᴄʏ ᴄ-sᴇᴄᴛɪᴏɴ. Sarah said: “The ᴘᴀɪɴs got ʙᴀᴅ to the point where I asked for gas and air, and then we ended up having to get into ʜᴏsᴘɪᴛᴀʟ. I didn’t want to be instigated, and we talked about plan C-sᴇᴄᴛɪᴏɴ because he came so late, we even did all the paperwork. That ended up being helpful because we had to register ᴇᴍᴇʀɢᴇɴᴄʏ ᴄ-sᴇᴄᴛɪᴏɴ, we filled out all the forms. When he was born, he looked like ʀɪᴅɪᴄᴜʟᴏᴜ. When the took him out, they all laughed and at first I didn’t know why. One of them said he was ready for school, and the little towel they wrapped him in didn’t fit. He is in the 99.9th centile in height and 99.6th in weight. None of the clothes Sarah bought for Monty fit when he was born.
“Even the little hat they gave him in ʜᴏsᴘɪᴛᴀʟ was too small,” she said. My sister had to run to buy me some diapers because none of the ones we had would fit him. As he gets older, he wears more and more clothes, he always wears clothes that are larger than his age. He’s got a week off and he’s dressing a 2-3 year old. None of Sarah’s can explain why Monty was born sᴏ ʙɪɢ. Sarah added: “After he was born, we were both tested for ɢᴇsᴛᴀᴛɪᴏɴᴀʟ ᴅɪᴀʙᴇᴛᴇ so many times, but it was ɴᴇᴠᴇʀ ᴘᴏsɪᴛɪᴠᴇ . I am 5 feet 9 and my husband, Elliott, 41, is 6 feet tall, so we are planning to have a small child. Neither of us was too big when we were born, I think I just carry big babies.”
Even though she had best planned for an impending home labor ᴀᴡʀʏ, Sarah is happy that Monty delivered safely and healthily. The big boy has settled wonderfully at home and the family is enjoying their new, bountiful member.
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.