美麗的藍圖，落在懶漢手裏，也不過是一頁廢紙。以下是小編爲大家搜索整理的2017年成人學位英語閱讀理解專題輔導，希望能給大家帶來幫助!更多精彩內容請及時關注我們應屆畢業生考試網!
Life Saver-or a Life Sentence
挽救生命或生活的句子嗎
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.
首次購房者的絕望爭取買房但掙扎負擔的天空高價格的房子都被鼓勵把自己綁到抵押貸款持續35，40越來越多，甚至45年。今天的買家需要更大的住房貸款，一些銀行和建築協會想出了讓房屋所有權的夢想在他們到達一個巧妙的方法：以貸款期限的增加減少每月的付款。但它是令人討厭的抓到竅門。當你每月的支出將下降，由協議即將結束，你會付出更多的可能是一個額外的150000美元——比如果你有一個標準的25年抵押貸款的時間。
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."
羅伯特麥克林，36，最近簽署了與北巖，允許他償還超過35年的按揭貸款，這一點他將71。他最近買了一二間臥室的房子和他的妻子，並提供6.2%的初步稅率五年固定利率合同。爲了抵消這種高利率的銀行推薦其共同抵押，這使得對借入超過最高街銀行允許和伸展的貸款期限。麥克萊恩先生(不是他的真名)沒有一個固定的工作，但在公共部門中的合同工程。儘管如此，他說，銀行讓他和他的夥伴借貸超過四倍的共同收入。”他們問我的工作是什麼，如果我做兼職工作。沒有合同的工作。他們想知道我們如何獲得，如果我們有信用卡和貸款債務，”他說：“對我們來說這是沒有道理的`，按月支付僅略高於租金我們支付的。”
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.
對於未來，他們希望他們的財務狀況將大大改善，在未來幾年內，使他們能夠還清抵押貸款，他們在退休之前。
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.
他們是不是正在提供去長期借貸的選項只有。如果延長人的抵押期限加快的趨勢，這可能意味着我們最終告別傳統的25年的貸款。
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.
北巖不是隻願意讓人們借更長時間的貸款。切爾滕納姆和格洛斯特會讓購房者償還他們的抵押貸款超過多達35年，而在哈利法克斯，匯豐銀行，考文垂建築協會和阿爾斯特銀行是那些將上升到40年。有趣的是，考文垂會讓人們有一個抵押貸款，直到他們是85歲。上個月，Bradford & Bingley壓倒了他們所有的交易，擁有45年的期限。然而，爲了公平，這是一個針對首次購房者的抵押貸款的年輕職業培訓是律師，會計師等，其收入在未來幾年大幅增加，很有可能。
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."
布瑞恩墨菲在獨立的房屋貸款經紀人抵押貸款諮詢局是那些關注當前的趨勢。”拉伸抵押期限降低支付是一個高風險的業務，”他說。”我們總是建議客戶保持還款在儘可能短的期限，以使他們能夠自由資金爲退休前的投資。”
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已經有些年頭了，在長期抵押貸款在英國一個位移預測。他認爲，在適當的情況下正確的人，選擇一個較長的借款期限可以承受能力，問題的明智的解決方案，但補充說：“在錯誤的手中，它可能是危險的。“雖然每個人都應該支付他們的抵押貸款回他們退休的時候，與國家的退休年齡的運動多達68的2044人活得更長，這是完全合理的預期抵押貸款的借款人是退休後在未來，博爾格先生說。一些36歲誰拿出35年的房貸幾乎肯定不會讓抵押直到71 -他們可能會再抵押和搬家。”只要你能付得起更多，你應該縮短週期或付款，”他補充道。
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.
我們向北巖對麥克林的案例。一位女發言人說，35年來最大的抵押期限，它提供了，說：“有人拿了這麼長時間的按揭是不尋常的。”但是，她說這是人誰想要保持他們的支付很低的一個選項。提供借款人已經安排繼續償還他們退休後，北巖銀行借錢給他們。
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.
有些人可能會說，如果房價繼續上漲超過收入，還款可以負擔得起的唯一方法是增加的貸款期限。
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.
但也有人說這是一個定時炸彈，這些合併貸款公司提供的人有機會讓他們所有的債務成“分期付款”，基本上小於目前的每月付款，但可以通過擴展他們在更長的時期使用的策略，意味着更多的利息收入。
