lifeintheuk中英文双语对照版chapter5.everydayneeds

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

2、thinterest,overalongperiodoftime,usually25years.Youcangetinformationaboutmortgagesfromabankorbuildingsociety.SomebankscanalsogiveinformationaboutIslamic(Sharia)mortgages.Ifyouarehavingproblemspayingyourmortgagerepayments,youcanhelpandadvice.Itisimportanttospeaktoyourbankorbu

3、ildingsocietyassoonasyoucan.EstateagentsIfyouwishtobuyahome,usuallythefirstplacetostartisanestateagent.InScotlandtheprocessisdifferentandyoushouldgofirsttoasolicitor.Estateagentsrepresentthepersonsellingtheirhouseorflat.Theyarrangeforbuyerstovisithomesthatareforsale.Thereare

4、estateagentsinalltownsandcitiesandtheyusuallyhavewebsiteswheretheyadvertisethehomesforsale.YoucanalsofinddetailsabouthomesforsaleontheInternetandinnationalandlocalnewspapers.MakinganofferIntheUK,exceptScotland,whenyoufindahomeyouwishtobuyyouhavetomakeanoffertotheseller.Youus

5、uallydothisthroughanestateagentorsolicitor.Manypeopleofferalowerpricethanthesellerisasking.Yourfirstoffermustbesubjecttocontractsothatyoucanwithdrawiftherearereasonswhyyoucannotcompletethepurchase.InScotlandthesellersetsapriceandbuyersmakeoffersoverthatamount.Theagreementbec

6、omeslegallybindingearlierthanitdoeselsewhereintheUK.SolicitorandsurveyorItisimportantthatasolicitorhelpsyouthroughtheprocessofbuyingahouseorflat.Whenyoumakeanofferonaproperty,thesolicitorwillcarryoutanumberoflegalchecksontheproperty,thesellerandthelocalarea.Thesolicitorwillp

7、rovidethelegalagreementsnecessaryforyoutobuytheproperty.Thebankorbuildingsocietythatisprovidingyouwithyourmortgagewillalsocarryoutchecksonthehouseorflatyouwishtobuy.Thesearedonebyasurveyor.Thebuyerdoesnotusuallyseetheresultofthissurvey,sothebuyeroftenasksasecondsurveyortoche

8、ckthehouseaswell.InScotlandthesurveyiscarriedoutbeforeanofferismade,tohelpp