大学四级-1812
(总分713,考试时间90分钟)悼
Part Ⅰ Writing
Directions: For this part, you are allowed 30 minutes to write a short essay entitled Criticism. You should write at least 120 words following the outline given bellow:
1. 批评在日常生活中很常见
2．不同的人对待批评的态度不同
爱奇艺创始人 3．我的看法
Part Ⅱ Reading Comprehension (Skimming and Scanning)
Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions on Answer Sheet 1.
党要管党
For questions 1-7, mark
Y (for YES) if the statement agrees with the information given in the passage;
窦娥冤观后感 N (for NO) if the statement contradicts the information given in the passage;
NG ( for NOT GIVEN ) if the information is not given in the passage.
For question 8-10, complete the ntences with the information given in the passage.
Buying a Home
weet To Buy or to Rent
According to Canada Mortgage and Housing Corporation (CMHC), 37 percent of Canadian renters could afford to buy a home. But when it comes to buying or renting, age, lifestyle, whether or not you're a parent, even where you live, all play a role. This was among findings of a late 1990s study by the CMHC, which wanted to know why, in Quebec, so many 25-to 34-year-olds--the so-called Generation X--were tenants rather th
an homeowners. At the time, 56 percent of this age group outside Quebec owned their homes, a figure that dropped to 34 percent in Montreal. CMHC' s Kim-Anh Lain explained: "When we asked about their priorities, Gen Xers placed housing fifth-- after recreational activities, retirement planning, consolidating their jobs, and repaying their debt. " However, home ownership became a priority once a couple became rious, or the first child arrived.
Most experts agree that renting makes n if you're highly mobile and don't want to be burdened with the slow pace of the buying and lling process, or if you can't or don't want to take on the long-term **mitments of a mortgage and home maintenance. Renting may benecessary in order to save for the 10 to 20 percent down payment needed to buy a home.
手机动态壁纸怎么设置>祝弟弟生日快乐 Whether you buy or rent your home, you should u no more than 35 percent of your income on housing, including rent or mortgage, utilities, insurance, and repair. Most banks recommend that no more than 30 percent of your income should support a mortgage, and no more than 40 percent should go to a mortgage and other debt.
Offer to Purcha
Home buyers sometimes get stung becau they or their reprentatives fail to include important conditions in the Offer to Purcha, or, as it is sometimes called, the Agreement of Purcha and Sale. Your offer can be conditional--it is good only on condition that you obtain mortgage financing, or the hou pass a home inspection or a termite check. In Homebuying Step by Step ~ a consumer guide and workbook, the CMHC recommends your offer also include.
· Basic details such as your legal name, the name of the vendor, and the legal and civic address of the property.
· The purcha price and all financial details included in this should be the amount of the deposit and any interest to be paid on it. You may also want to spell out the specific amount of penalty should you wish to back out of the deal.
· The chattel or items in the home which are included in the purcha price. This may i
nclude window coverings, appliances, a satellite dish, carpeting, bookcas, or a backyard swing.
· Enumerate all of them, and stipulate that everything in the hou-all appliances and systems--be in working order at the time of closing of title.
· Date of closing and taking posssion--usually 30 to 60 days from the date of the agreement, hut it can be longer.
· Request for a current land survey of the property.
· Date and time at which the offer becomes null and void. A 48-hour limit on the ller's respon time to your offer is reasonable.
For Buyers Only
A typical real estate transaction often begins when prospective buyers drive by a hou that looks appealing, take down the name of the real estate agent listed on the sign in the
yard, and call that person for an appointment. The only problem, That agent--usually the listing agent--works for a commission paid by the ller, and the agent's legal responsibility is to get the best price possible for the current homeowners, not the prospective buyers.
Common n calls for buyers to be honest about their priorities, preferences, and price range. But since the agent's **es from the vendor, and since this money is a percentage of the sale price, it is entirely possible that any information the buyers reveal to the agent--their finances, the top price they'll pay, their reactions to the hou--could be ud to sweeten the pot for the llers.
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