lifeintheuk中英文双语对照版chapter5.everyday

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1、LifeintheUK:AJourneytoCitizenshipChapter5.EverydayneedsHousingBuyingahomeTwo-thirdsofpeopleintheUKowntheirownhome.Mostotherpeoplerenthouses,flatsorrooms.MortgagesPeoplewhobuytheirownhomeusuallypayforitwithamortgage,aspecialloanfromabankorbuildingsociety.Thisloadispaidback,withinterest,ov

2、eralongperiodoftime,usually25years.Youcangetinformationaboutmortgagesfromabankorbuildingsociety.SomebankscanalsogiveinformationaboutIslamic(Sharia)mortgages.Ifyouarehavingproblemspayingyourmortgagerepayments,youcanhelpandadvice.Itisimportanttospeaktoyourbankorbuildingsocietyassoonasyouca

3、n.EstateagentsIfyouwishtobuyahome,usuallythefirstplacetostartisanestateagent.InScotlandtheprocessisdifferentandyoushouldgofirsttoasolicitor.Estateagentsrepresentthepersonsellingtheirhouseorflat.Theyarrangeforbuyerstovisithomesthatareforsale.Thereareestateagentsinalltownsandcitiesandtheyu

4、suallyhavewebsiteswheretheyadvertisethehomesforsale.YoucanalsofinddetailsabouthomesforsaleontheInternetandinnationalandlocalnewspapers.MakinganofferIntheUK,exceptScotland,whenyoufindahomeyouwishtobuyyouhavetomakeanoffertotheseller.Youusuallydothisthroughanestateagentorsolicitor.Manypeopl

5、eofferalowerpricethanthesellerisasking.Yourfirstoffermustbesubjecttocontractsothatyoucanwithdrawiftherearereasonswhyyoucannotcompletethepurchase.InScotlandthesellersetsapriceandbuyersmakeoffersoverthatamount.TheagreementbecomeslegallybindingearlierthanitdoeselsewhereintheUK.Solicitorands

6、urveyorItisimportantthatasolicitorhelpsyouthroughtheprocessofbuyingahouseorflat.Whenyoumakeanofferonaproperty,thesolicitorwillcarryoutanumberoflegalchecksontheproperty,thesellerandthelocalarea.Thesolicitorwillprovidethelegalagreementsnecessaryforyoutobuytheproperty.Thebankorbuildingsocie

7、tythatisprovidingyouwithyourmortgagewillalsocarryoutchecksonthehouseorflatyouwishtobuy.Thesearedonebyasurveyor.Thebuyerdoesnotusuallyseetheresultofthissurvey,sothebuyeroftenasksasecondsurveyortocheckthehouseaswell.InScotlandthesurveyiscarriedoutbeforeanofferismade,tohelpp