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Ex 1: Discuss the questions:
1. Do you want to break away from your parental family and live in a house of your own?
2. Would you prefer to rent a flat or buy it? Why?
3. Is it a big problem for you to buy a flat or a house?
Ex 2: Read the text.
Let us imagine that Mr. and Mrs. Smith want to sell their house. First, they ask one or more local estate agents to visit the house and tell them how much they should be able to sell it for. They will also want to know how much the agent will charge for his services (usually between 1% and 2% of the selling price). If the Smiths are happy with his proposals, the agent will publish details of the house in the form of giveaway leaflets and possibly in the local or even national newspapers. The leaflet will describe the house in detail: the position, the number and sizes of its rooms, the garden and so on.
Mr. and Mrs. Smith then wait for prospective buyers to arrive.
Imagine that Mr. and Mrs. Johnson want to buy a house in the same area. They go to the estate agency and inspect the details of the houses on offer. If they are attracted by the description of the Smiths’ House, they will visit the property to look at it. If they are still interested after seeing the house they may make an offer to the Smiths via the estate agent. Often the offer will be slightly less than the official “asking” price. If the Smiths agree, the house can be sold.
But the Johnsons probably do not have enough money to pay for the house immediately, so what do they do? They go to the second type of institution involved in house buying and selling - the building society.
A building society’s main function is to lend people like the Johnsons enough money to buy a house. Banks also offer a similar service.
Building societies make their money by borrowing money from some members of the public - their “depositors”- and lending it to others. Many British people have building society savings accounts. They save their money with a building society, which pays them interest. The society then lends this money to people who want to buy a house or flat and charges them an interest rate on the amount borrowed. This long-term loan is called a “mortgage”.
So Mr. and Mrs. Johnson go to a local building society where they will be asked a number of questions - what type of jobs do they have? How much do they earn? What are their monthly expenses? And so on. The society will also inspect the house to see if it is worth the money they are being asked to lend. All being well, it will offer to lend the Johnsons up about 90 per cent of the price of the house to be paid back with interest over 25 years, or sometimes less. When all is agreed and the papers signed, the money is paid to the Smiths or to their legal representative - usually a solicitor - and the Johnsons can move in.
Over the 25 years, the Johnsons, because of the interest on the loan, will pay far more then the original price of the house - but since they are paying it in fairly small sums once a month they are, at least, able to afford it.
Ex 3: Find where it is said about:
a) an estate agent's business;
b) main functions of a building society.
Ex 4: Find the equivalents of the following words and phrases in the text:
1. to describe the position of the house, number and size of its rooms, the garden and so on;
2. to examine the details;
3. at once;
4. a legal representative;
5. payment made by a borrower for a loan expressed as a percentage;
6. to get something on the understanding that it is to be returned;
7. to give on the understanding that it or its equivalent will be returned;
8. a person who deposits money in a bank;
9. a long-term loan;
10. to keep money for future use;
11. documents;
Ex 5: Explain the difference between:
- to borrow money – to lend money;
- the price of the house on mortgage – the original price;
- the asking price – selling price;
Ex 6: Explain how you understand the following statements:
1. I'd like to know how much the agent will charge for his services.
2. Mr. and Mrs. Smith then wait for prospective buyers to arrive.
3. If they are attracted by the description of the Smiths' house they will visit the property to look at it.
4. Often the offer will be slightly less than the official "asking" price.
5. Banks also offer a similar service.
6. They save their money with a building society, which pays them interest.
7. A building society charges them a higher interest rate on the amount borrowed.
8. What are monthly expenses?
9. They may make an offer via the estate agent.
Ex 7: Insert prepositions:
1. An estate agency is, essentially, a shop which arranges the sale … houses.
2. The agent will charge … his services, usually … 1% and 2% … the selling price.
3. The leaflet will describe the house … detail.
4. Mr. and Mrs. Smith then will wait … prospective buyers to arrive.
5. They will go … the estate agency and inspect the details … the houses … offer.
6. You can make an offer … the estate agent.
7. Building societies make their money … borrowing it … some members … the public - their "depositors" – and lending it … others.
8. The building society charges a higher interest rate … the amount borrowed.
9. All being well the building society will offer to lend the Johnson's … … 90 per cent … the price of the house, to be paid back … interest … 25 years, or sometimes less.
Ex 8: Answer the questions:
1. What is an estate agency?
2. If Mr. and Mrs. Smith want to sell their house, what will they do first?
3. What will they want to know from an estate agent first?
4. What will the agent start his work with?
5. How can Mr. and Mrs. Johnson know about the houses on offer?
6. Can the price be negotiated?
7. Where can people get money to buy a property?
8. How do building societies function?
9. What is a mortgage?
10. What questions will Mr. and Mrs. Johnson be asked at a local building society and why?
11. How will the mortgage be paid back?
12. Why do people want to get mortgages?
Ex 9: You are a) an estate agent;
b) the manager of a building society.
Advertise your organization.
Ex 10: You are a representative of a building society. Convince your friend who wants to buy a house but doesn't have the necessary sum of money to come to your office and settle the business.
Ex 11: Practice the following dialogue.
A real bargain
Mr. Palmer is looking for a new house. He's tired of living in the city and he wants to live in a quiet village. He's with the estate agent now.
Estate Agent: Well, Mr. Palmer. This is the semi-detached house that I told you about… Number 26, Richmond Road. The owners are away, but I've got a key.
Mr. Palmer: Hmm… when was it built?
A.: It was built in 1928.
P.: Who built it?
A.: I'm not really sure. Is it important?
P.: No, not really. Is that a new roof? It looks new.
A.: It is really new. It was put on last year. You can see that it's in very good condition. The previous owner was a builder.
P.: It's quite an old house. I'm worried about the electrical wiring. Has it been rewired?
A.: Yes, it has.
P.: Oh, when was it done?
A.: Five years ago. Also, it's been redecorated. Central heating has been put in, and a new garage has been built.
P.: Oh, when was it done?
A.: Last year… I think. It's a very solid house. It's built with a tiled roof…
P.: It's a long way from a big town. What are the services like?
A.: Hold on… I've got the details here. Yes… let me see… the dustbins are emptied every Thursday.
P.: It's important for me to see the post before I go to work. When is it delivered?
A.: It's usually delivered at about 7.30. The milk is delivered about six o'clock… so you'll have fresh milk for breakfast.
P.: It's certainly very cheap. I've seen a lot of similar houses… and they're more expensive.
A.: Ah, yes… it's a real bargain.
P.: Are there any plans for the area?
A.: Pardon? Plans… well, a new school is going to be built in the village next year…
P.: Anything else?
A.: … and a new road, a motorway actually, will be built next year, too. You'll be able to get to London easily.
P.: Where exactly will the motorway be built?
A.: Well, actually, it'll be built behind the house. A bridge will be constructed over the house. It'll be very interesting. You'll be able to watch the traffic…
Ex 12: Speak about Mr. Palmer's impressions about the house and make a conclusion if he is going to buy it.
Ex 13: Read the dialogue and retell it in the indirect speech.
Marylin: Where should we look for a house, Mrs. Martinelli?
Virginia: Well, we have an office in Mount Kisko. It's a lovely area, and it's only about an hour's drive from here. (She takes out a book of photos). Here I have a book with photos of some homes in that area. Now, let's see here. This is a lovely two-bedroom house in your price range.
M.: It's pretty, but I prefer a two-storey home.
Richard: I do, too. I don't care for a ranch type.
V.: OK. (She turns the pages of the real-estate book.) Oh, this is a wonderful house. I know it well. I sold it to the present owners.
R.: It looks wonderful.
V.: This is a two-bedroom, two-bath house. It has a full basement, and it is on a half-acre lot. You can probably afford this one.
M.: I like this house.
R.: So do I.
V.: And the price is right. Would you like to go to see it?
R.: Yes. We're planning to talk to someone at the bank next week. Perhaps we could see the house this weekend.
V.: If someone doesn't buy it before then. But let's keep looking just to get an idea of some other possibilities.
R.: This is very helpful, Mrs. Martinells.
V.: Here. This is a wonderful example of Spanish-style architecture.
R.: Oh, I love the roof tiles on a Spanish-style house.
Ellen: It looks like the houses in Hollywood.
V.: It's interesting. A house like this in Riverdale costs double the price. (She turns the pages of the book.) Oh, my! Here's a real buy. It's a bargain. This house has just come on the market.
M.: It's quite lovely. Is it a two-bedroom house?
V.: No It has three bedrooms and baths. I know the house. It has a brand new kitchen. And a living room a 12-foot ceiling. And there's a 2-car garage.
R.: Then why don't we go to look at the house, too?
V.: It's a good investment.
R.: Thank you, Mrs. Martinelli.
M.: Thanks so much.
V.: My pleasure. Give me my best to your parents.
Ex.14. You want to buy a house but you can't find anything to your liking in the newspaper. That's why you've decided to apply to an estate agent. Make up a list of details (the type of the house and conveniences) you are interested in. The estate agent is trying to help you.
Ex 15: You are to interview a famous actress (your group mate) who always talks willingly about her home.
Ask her
- what her address is;
- if she lives in a flat or a house of her own;
- what kind of house it is;
- what modern conveniences she has;
- if she lives in the centre of the city or in the suburbs;
- if she has got a security system, a video entry phone.
Ex 16: Make a written report (200 words) about the actress's housing conditions.
Ex.17. Read the text and say how a new house can influence people’s mood.
It’s beautiful, perfect, brand-new, and you wouldn’t believe how affordable. It’s on an odd lot, which make a little a cheaper. Three bedrooms, one and a half baths, a walk-out basement. And so many extras!
Enormous as the moving van seemed, the new house was more enormous still, a split level with an attached garage. No longer did their store their teacups on the windowsill. Now Mona and Collie had a room Theresa had a room, Helen and Ralf had a Room, and in addition they had a living-room and a dining-room both, and a closet that could be made into a study, and a basement that could become a playroom; not to say a kitchen, of course(with that nook Helen loved, and wall-to wall carpenting, and own flight of stairs.
There was the last house of the neighbourhood to be build, but when they moved to the area was still so new that local maps showed it as a woods. The just-paved dead end was shiny black as the enamel walls of their oven, and all the yards were staked off with twine. Some of the more ambitious neighbors had planted bushes and trees too, but the grass was the true binding hope of the neighbourhood their life seemed so bright, so radiant with truth and discovery! A paradise, they agreed. An ocean liner compared to a rowboat with leaks. A Cadillac compared to an aisle seat on the bus. A top-quality family was growing out of a top-quality house, or so Helen believed. Taking her afternoon rest on the living-room couch, her feet on the cardboard cocktail table (she was saving up for a new one, and maybe for a love seat too, to go in her nook of the kitchen, she couldn’t help but wonder – could a house give live to a family?
Ex.18. Write an essay about the role of home in the life of people.
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