大学英语讲稿1.6.ppt

From shared ownership to rent-to-buy, first homes are within reach, despite the gloom. Shared ownership: Rent to buy To buy or not to buy? To be or not to be ? It’s a question. ---Hamlet Hamlet Or even if it would be possible, given the mortgage drought and the state of your savings account. Buy sth by mortgage Language points First/ down/ initial payment Monthly payment Installment First-time buyers in London, for example, where the average house price is ￡348,366, will not be impressed with Alistair Darlings stamp duty holiday for purchases under ￡175,000. ... doesnt that mean part-renting a glorified council house? while the Government claims that anyone with a household income of under ￡60,000 is eligible, in reality a strict order of priority operates, with public sector workers at the top. In brief, there are four options: a shared-ownership scheme: NewBuild Homebuy Three Shared equity schemes: Open Market HomeBuy MyChoice HomeBuy HomeBuy Direct Affordable housing schemes do provide a route into homeownership at a time when credit is in short supply. Also, the second tier loans from housing associations provide a buffer against negative equity. Negative equity Language points This raises the question whether taxpayers money would be better spent on increasing supply than funding the purchase of depreciating assets by individuals. Much of the affordable housing quotas depend on private developers, which means they are not being built. Sue Cocking, head of affordable housing at Knight Frank, says, “Were working on a number of planning consents which we know cant be implemented because of the onerous affordable housing requirement. Its a good time for housing associations. Government subsidies mean they can benefit from the current lack of competition from private developers. They can get capital and are in a very healthy position to pick and choose land that comes up. Is it the same in China? T