Biasanya, ini adalah pengumuman yang membahagiakan dari seorang wanita yang ingin melahirkan anaknya sendiri ke dunia, namun persoalannya adalah, yang mengatakan hal itu adalah Daljinder, seorang wanita, yang telah berusia 70 tahun lebih.
Luar biasanya adalah akhirnya dia berhasil menjadi seorang Ibu, untuk pertama kalinya, di usia 72 tahun!
Pada usia 70 tahun Daljinder mencari saran medis dan mulai menjalani perawatan terapi kesuburan. Ajaib! dia hamil setelah menjalani terapi dua tahun! Bahkan, Daljinder juga memberi ASI kepada anaknya!
“Pada satu titik, dokter mengatakan kepada saya bahwa dia belum pernah bertemu dengan wanita yang lebih keras kepala dari pada saya, menghabiskan uang untuk semua perawatan itu. Tapi saya pikir keras kepala dan ketekunan saya terbayar, karena hari ini, saya sungguh-sungguh adalah seorang Ibu,” kata Daljinder.
Anak itu adalah laki-laki, dan diberi nama Arman.
“Saya khawatir saya akan mati saat anak saya tumbuh, tapi Dr. Bishnoi meminta saya untuk bersikap positif dan lebih baik saya berkonsentrasi untuk mendidik dan memberi anak saya, Arman, masa depan yang cerah.”
Meski pada awalnya para dokter agak diam dan menolak memberikan perawatan kesuburan karena usianya yang lanjut, dia tidak berhenti bersikeras. Akhirnya, sifat keras kepalanya memberi dia hadiah yang paling berharga – anaknya sendiri.
Terkadang kita memang harus pantang menyerah dan agak bersikeras, untuk bisa mencapai suatu tujuan, yang tampaknya cukup sulit. Selama itu tidak merugikan orang lain, sepertinya tidak ada yang salah.
Sumber: wsbtv.com
An investment property loan is a cash credit obtained for the purpose of purchasing a residential or commercial property wherein the property buyer plans to make an ongoing or long-term profit in the future. The money granted as loan may be used to purchase a vacation property, a piece of land, condominium unit, upper fixer property, apartment, single-family house and a single detached house. However, the money granted as loan cannot be used for other business purposes. There are three major types of investment loans, and they are those that require collateral, those that need a big down payment (higher than 20 percent) to get lower interest rates and the ones that either require the investor to pay the down payment cash or only a part of it.
What are the loan requirements?To be able to obtain an investment property loan, you need to have a good credit score, enough cash reserve to make payments during months when your investment property has no income, at least 20 percent down payment, proof of income and most of all the property that you wish to purchase must pass the property appraisal. For those who do not have a very good credit score, there is still chance for you to get approval. You may consider getting an investment partner who has a very good credit rating. If you wish to get an investment property loan, it is important to strengthen your credit rating at least six months before your loan application. Paying off delinquent debts and closing old accounts only before getting a loan might negatively affect your chances for loan approval. If you have a low credit score, it is most helpful to get professional advice before you do any kind of measures.
What is the process of getting an investment property loan?Assuming that you have already strengthened your credit score as a preliminary step, the first step is to aggressively shop around for lenders and compare their interest rates before making a decision. Aside from interest rates as your major consideration in choosing a lender, also scrutinize their lending requirements because there are some lenders that are less stringent than others. Then, file your application and you will be asked for your personal information such as your employer's name and address, your social security number and many more. After you complete the application process, a verification process will be performed by the bank or lender. They will check your credit score and perform an income evaluation. After you pass the verification, the lender will check if you can afford to make a substantial down payment which would be around 20-35 percent depending on the lender you've chosen. Applying for investment property loans nowadays have become more strict compared to before, and to get approval you don't only need enough down payment and proof of your excellent credit record, you also have to choose a property that is worth your investment property loan and that will be profitable in the future.
