A place of your own

loan officer. When you get a loan from a bank, the bank lends you money. If you want a loan, you speak to the bank’s loan officer.
Like wise: I feel the same way.
Refinancing: getting a new mortgage
freelance: working for yourself. Richard doesn’t work for a company. He sells his photographs to different buyers.
tax forms. Workers in the United States must pay a part of the money they earn to the United States government. This money is called income tax. The amount of this tax depends on the worker’s total salary for the year. By April 15 of each year, workers must complete fax forms to send to the Internal Revenue Service. This is the agency of the U.S. government that collects taxes. Some state and city governments collect additional income taxes.
down payment. When you get a mortgage for a house, you usually pay the bank part of the price of the home immediately. This is a down payment.
over (thirty years): during a period of (thirty years)
property: something you own, such as land or a house
stocks. If you buy stocks in a business, you own part of the company.
Bonds. A business or the government may sell bonds to get money. If you buy a bond, the seller must pay back your money plus interest, or extra money, on a specific date.

Bonds. A business or the government may sell bonds to get money. If you buy a bond, the seller must pay back your money plus interest, or extra money, on a specific date.
collateral: property that a lender can take from you if you can’t pay back a loan
guarantor: someone who agrees to pay back your loan if you cannot pay it
income: money that you earn
Take care. = Take care of yourself. This is a common way to say good-bye.
put up: to give. This two-word verb is usual with the word collateral.
handle: to deal with; be responsible for Here, Richard means that he wants to be able to pay for a house by himself.
an advance (noun): a payment by a publisher to an author before a book is published
put more money down: to give a larger down payment
purchase: something you buy
We’ll be there for you. = You can ask us for help.
tradition: a custom

Give English equivalents of words
and word combinations:
Кредитный Инспектор
Рефинансирование
Фриланс
Налоговые Формы
Налоговая Служба
Авансовый Платеж
Обеспечение
Поручитель
Доход
Береги Себя
Аванс
Покупка
Мы Будем Рядом С Вами
Обычай

SCRAMBLED WORDS
Use the clue in parentheses to arrange the letters to form a word.

FREELANCE: «FOR» OR «AGAINST»? WHY?
You are satisfied with your life
Are you sure you can achieve your dreams?
Do you work in a government organization?
In a private firm?
Are уou a freelancer?
Why?

PASSIVE VOICE. SAY IN ENGLISH:
В России ипотека оформляется часто. (to issue a mortgage)
Мой друг оформил ипотеку десять лет назад.
Мы еще не оформили ипотеку.
Чем занят твой друг? Он оформляет ипотеку.

PASSIVE VOICE
Passive voice tests:
https://www.englishtestsonline.com/english-grammar-tests/
https://www.englishtestsonline.com/active-passive-voice-causatives-advanced-level-test-quiz-online-exercise-with-answers-1/

HOMEWORK
Watch a new episode – Family Album USA – episode 14 – Playing Games, act 1 (https://www.learnrealeng.com/2014/04/family-album-usa-episode-14-playing.html)
Do you have a free time and how do you use it?
https://www.englishtestsonline.com/active-passive-voice-causatives-advanced-level-test-quiz-online-exercise-with-answers-1/