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Writing. 10. Read the text carefully and write the summary

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10. Read the text carefully and write the summary. Use the comments and useful phrases from Chapter II, Unit I, ex.9.

Loans are a common form of borrowing. There are a number of different loan types, such as personal loans, car loans, home equity loans and business loans. Banks will provide additional funds through loans to their customers in return for promises of repayment and certain guarantees.

A debit card is a card provided by your bank that is associated with your current account. Debit cards are used to provide simple access to the funds in your bank account, and can be used to make purchases in stores that provide card purchase services, withdraw money from your bank account via Automatic Teller Machines or over the counter in a bank, or make purchases over the telephone by mail or on the Internet.

A credit card agreement is a fixed loan provided to you at a higher than normal rate of interest that is immediately available in whole or in part through the use of the associated credit card. The bank will guarantee to pay for any purchases made using the credit card, and in return you agree to pay the outstanding balance on the credit card or an agreed monthly minimum repayment.

Mortgages are another form of bank loan that is secured against the property purchased. The amount of money you can borrow for a mortgage is usually based on a calculation that takes into account the incomes of the people signing for the loan, and is always to purchase property.


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