2017年成人学位英语浏览懂得专题教导

　　斑斓的蓝图，落在懒汉手里，也不过是一页废纸。以下是小编为大师搜刮清算的2017年成人学位英语浏览懂得专题教导，但愿能给大师带来赞助!更多出色内容请实时存眷咱们应届毕业生测验网!

　　Life Saver-or a Life Sentence

　　拯救性命或糊口的句子吗

　　Growing numbers of first-time buyers desperate to get on the housing ladder but struggling to afford sky-high house prices are being encouraged to tie themselves into mortgages lasting 35, 40 ,or even 45 years. With today's buyers requiring ever-larger home loans, some banks and building societies have come up with a clever trick for bringing the dream of home ownership within their reach: increasing the term of the loan in order to reduce the monthly payments. But it's a trick with a nasty catch. While your monthly outlay will be lower, by the time the deal comes to an end you'll have paid far more - perhaps an extra $150,000 - than if you had a standard 25-year mortgage.

　　初次购房者的失望争夺买房但挣扎承担的天空高价钱的屋子都被鼓动勉励把本身绑到典质存款延续35，40愈来愈多，乃至45年。明天的买家须要更大的住房存款，一些银行和修建协会想出了让衡宇一切权的胡想在他们达到一个奇妙的方式：以存款刻日的增添削减每一个月的付款。但它是使人厌恶的抓到诀窍。当你每一个月的支出将降落，由和谈行将竣事，你会支出更多的能够或许是一个额定的150000美圆——比方果你有一个规范的25年典质存款的时辰。

　　Robert McLean, 36, recently signed up for a mortgage with Northern Rock in which he is allowed to pay back over 35 years, by which point he will be 71. He recently bought a two-bedroom house with his wife, and was offered a five-year fixed-rate deal with an initial rate of 6.2%. To offset this high interest rate the bank recommended its Together mortgage, which allows the couple to borrow more than most high street lenders allow and to stretch the term of the loan. Mr. McLean (not his real name) does not have a permanent job but works on contract in the public sector. Despite this, he says the bank allowed him and his partner to borrow more than four times their joint earnings. "They asked what my job was and if I worked part-time. Nothing about contract working. Then they wanted to know how much we earned and if we had any debts on credit cards or loans," he says: "For us it was a no-brainer because the monthly payments were only a little above the rent we were paying."

　　罗伯特麦克林，36，比来签订了与北岩，许可他了偿跨越35年的按揭存款，这一点他将71。他比来买了一二间寝室的屋子和他的老婆，并供给6.2%的开端税率五年牢固利率条约。为了对消这类高利率的银行保举其配合典质，这使得对借入跨越最高街银行许可和舒展的存款刻日。麦克莱恩师长教师(不是他的真名)不一个牢固的任务，但在大众部分中的条约工程。固然如斯，他说，银行让他和他的火伴假贷跨越四倍的配合支出。”他们问我的任务是甚么，若是我做兼职任务。不条约的任务。他们想晓得咱们若何取得，若是咱们有信誉卡和存款债权，”他说：“对咱们来讲这是不事理的，按月付出仅略高于房钱咱们付出的。”

　　As for the future, the couple hope their finances will improve dramatically over the next few years, enabling them to pay off the mortgage before they retire.

　　对将来，他们但愿他们的财政状态将大大改良，在将来几年内，使他们能够或许还清典质存款，他们在退休之前。

　　They are not the only ones who are being offered the option of going long on their borrowing. If the trend for extending people's mortgage term accelerates, it could mean we end up waving goodbye to the traditional 25-year loan.

　　他们是否是正在供给去持久假贷的选项只需。若是耽误人的典质刻日加速的趋向，这能够或许象征着咱们终究辞别传统的25年的存款。

　　Northern Rock isn't the only lender willing to let people borrow over a longer period of time. Cheltenham &Gloucester will let home buyers repay their mortgage over a period of up t0 35 years, while the Halifax, HSBC, Coventry Building Society and Ulster Bank are among those that will go up t0 40 years. Intriguingly, the Coventry will allow people to have a mortgage that last until they are 85 years old. Last month, Bradford &Bingley trumped them all with a deal that boasts a maximum term of 45 years. However, to be fair, this is a mortgage aimed at young professional first-time buyers training to be solicitors, accountants and the like, whose incomes are highly likely to increase substantially over the coming years.

　　北岩不是只情愿让人们借更永劫候的存款。切尔滕纳姆和格洛斯特会让购房者了偿他们的典质存款跨越多达35年，而在哈利法克斯，汇丰银行，考文垂修建协会和阿尔斯特银行是那些将回升到40年。风趣的是，考文垂会让人们有一个典质存款，直到他们是85岁。上个月，Bradford & Bingley压服了他们一切的买卖，具有45年的刻日。可是，为了公允，这是一个针对初次购房者的典质存款的年青职业培训是状师，管帐师等，其支出在将来几年大幅增添，很有能够或许。

　　Brian Murphy at independent home loans broker mortgage Advice Bureau is one of those concerned about the current trend. "Stretching a mortgage term to lower the payments is a risky business," he says. "We always advise client to keep repayments to as short a term as possible, to enable them to free up money for pre-retirement investments."

　　布瑞恩墨菲在自力的衡宇存款掮客人典质存款征询局是那些存眷以后的趋向。”拉伸典质刻日下降付出是一个高风险的营业，”他说。”咱们老是倡议客户坚持还款在尽能够或许短的刻日，以使他们能够或许自在资金为退休前的投资。”

　　Ray Boulger has for some years been predicting a shift towards longer-term mortgages in the UK. He believes that for the right people in the right circumstances, opting for a longer borrowing period can be a sensible solution to the problem of affordability, but adds: "In the wrong hands it can be dangerous." While everyone should aim to pay their mortgage back by the time they retire, with the state retirement age moving up t0 68 by 2044 and people living longer, it is perfectly reasonable to expect mortgage borrowers to be retiring later in future, says Mr. Boulger. Some aged 36 now who takes out a 35-year home loan will almost certainly not keep that mortgage until they are 71 - they will probably remortgage and move house. "As soon as you can afford to pay more, you should shorten the term or make overpayments," he adds.

　　Ray Boulger已有些年初了，在持久典质存款在英国一个位移展望。他以为，在恰当的环境下准确的人，挑选一个较长的告贷刻日能够蒙受才能，题目的理智的处理计划，但补充说：“在毛病的手中，它能够或许是风险的。“固然每一小我都应当付出他们的典质存款回他们退休的时辰，与国度的退休春秋的活动多达68的2044人活得更长，这是完整公道的预期典质存款的告贷人是退休后在将来，博尔格师长教师说。一些36岁谁拿出35年的房贷几近必定不会让典质直到71 -他们能够或许会再典质和搬家。”只需你能付得起更多，你应当延长周期或付款，”他补充道。

　　We asked Northern Rock about Mr. McLean's case. A spokeswoman says 35 years is the maximum mortgage term that it offers, adding: "It is unusual for someone to take out a mortgage for that length of time." However, she says it is an option for people who want to keep their payments very low. Provided borrowers have arrangements in place to continue making repayments after they retire, Northern Rock will lend to them.

　　咱们向北岩对麦克林的案例。一名女讲话人说，35年来最大的典质刻日，它供给了，说：“有人拿了这么永劫候的按揭是不平常的。”可是，她说这是人谁想要坚持他们的付出很低的一个选项。供给告贷人已支配持续了偿他们退休后，北岩银行乞贷给他们。

　　Some might say that if house prices continue to rise in excess of earning, the only way repayments can remain affordable is by increasing the term of the loan.

　　有些人能够或许会说，若是房价持续下跌跨越支出，还款能够承担得起的独一方式是增添的存款刻日。

　　But others say this is a ticking time bomb, the tactics used by those loan consolidation companies that offer people the chance to bring all their debts together into "one easy payment" that is substantially less than their current monthly payments - but which do this by spreading them over a much longer period, meaning more interest is paid.

　　但也有人说这是一个按时炸弹，这些归并存款公司供给的人有机遇让他们一切的债权成“分期付款”，根基上小于今朝的每一个月付款，但能够经由过程扩大他们在更长的期间利用的战略，象征着更多的利钱支出。

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