Stephen Crowley, a 35-year-old man who lives in Dublin, took his gift for Photoshop to another level, taking advantage of the fact that his daughter Hannah is just a little toddler and has driven many of his followers crazy.
Initially, these images made the followers bloody. Many people wonder what Stephen was thinking to do to his little daughter. Many other angry comments also called him the world’s worst father.
However, what people see is only half the story because all the other photos are photoshopped by Stephen’s skillful hands. Stephen, like other fathers, never wants his daughter to be in danger, but on the contrary, his unique set of photos also has another special meaning.
When Hannah was 4 months old, she was diagnosed with a rare ɪᴍᴍᴜɴᴇ ᴅɪsᴏʀᴅᴇʀ called ʜᴇᴍᴏᴘʜᴀɢᴏᴄʏᴛɪᴄ. So she had to spend the next 4 months of her life in the hospital undergoing ᴄʜᴇᴍᴏᴛʜᴇʀᴀᴘʏ. Hannah needs a bone marrow transplant to be able to continue her life, but the number of people applying to donate marrow is small and it is difficult to find the right marrow for Stephen’s daughter’s body.
Stephen and his daughter Hannah have missed many moments together. Because Hannah didn’t have access to normal things early in her life, Stephen has taken to taking hundreds of photographs of his daughter. He recently decided to give every image of her a fun twist, so now he photoshops her in ʀɪsᴋʏ situations.
Stephen hopes the popularity of the photos will help raise awareness of becoming a bone marrow donor. And Hannah received the best gift. The little girl only had a one in 9 million chance of finding a donor. Fortunately, a person who wishes to remain anonymous donated her bone marrow so that Hannah could continue to live. Stephen’s message is clear: the more people sign up to be a donor, the more likely it is that people in need will find one.
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.