1. Give the English for:

електронна пошта; передача та розповсюдження інформації; абонент; посилати повідомлення; електронна поштова скринька; електронна адреса; дешевий та швидкий зв'язок; постачальники; працівники; сервер; код країни.

2. Answer these questions:

1. What is the e-mail?

2. Whom can we send messages by e-mail to?

3. What does the e-mail address consist of?

TEXT: CONTRACTS

to come to an agreement домовлятись

transaction угода

to sign підписувати

signature підпис

to contain містити

After the prospective buyer receives the offer he carefully ents: studies it. Then, very often, he has a few talks or exchanges letters with the prospective seller. After the two parties come to an agreement about terms and conditions of the transaction they sign a contract.

Contracts usually contain the following information:

• date of the contract

• place or city

• reference number

• names of the buyer and the seller

• subject of the contract

• description of the goods

• price and the total value

• terms of delivery

• terms of payment

• technical documentation

• guarantee of the quality

• packing

• marking

• shipping instructions and notifications

• insurance

• sanctions

• force majeure

• arbitration

• legal address of the parties

1. Sum up what the text says about:

The preparatory work before the contract is signed

The usual information the contract specifies

TEXT: Buying property

building society будівельна ощадна каса

conveyance передача права власності

estate agent ріелтор

exchange contracts підписання договору купівлі-продажу

fixed interest rate фіксована відсоткова ставка

joint annual income загальний річний дохід

mortgage іпотека

mortgage repayments іпотечні взносы

negative equity негативний особистий капитал

outbid smb перебити комусь ціну

owe smb бути комусь винним

property buyer покупець нерухомості

solicitor адвокат; тут: нотаріус

survey тут: незалежна оцінка (экспертиза) нерухомості

Simon and Kelly Hawkes are first-time property buyers in Britain. Buying a house is probably the biggest investment they’ll ever make, so they must plan carefully. What are the steps they have to go through before they have the keys to their own home?

First, they’ll spend time finding a suitable property. They’ll most likely deal with an estate agent, who represents the seller, and who usually works on a commission basis of about one to three per cent of the property value.

Once the Hawkes have found a house that they like, they make an offer. End of the story? No, not yet. They now need to arrange a mortgage to pay for it. As both of them are working, they should be able to get up to three times their joint annual income.

The average cost of a two-bedroom house in the south-east of England is now £300,000, so the bank or building society will want to make sure that potential buyers are earning enough to manage their mortgage repayments. A typical mortgage is lent for 25 years, and borrowers can either repay the money at a fixed interest rate or allow their payments to vary along with interest-rate changes.

Falling house prices in parts of the UK in 2008 may benefit new buyers – unless the value of their home then drops below the amount they owe on the mortgage, resulting in negative equity.

At some time, Simon and Kelly should have a survey done, which costs around £800. This will tell them if the building is in good condition. If the survey is satisfactory, a solicitor should handle the conveyance work, which is the legal transfer of the property from one owner to another.

But things can still go wrong. Firstly, the seller may decide to accept a better offer before the contracts are signed. This is called gazumping and can destroy all Simon and Kelly’s hard work. Secondly, house buyers in the UK are normally part of a property chain, in which a line of sellers and buyers all use the money from one house to buy their next property. If a chain breaks, it can ruin the chance to buy for everybody else in the chain.

If things go well, the Hawkes will be able to exchange contracts with the seller and move into their new home about six months from when they first saw the property.