Daily English Conversation -Buying a House

Sales Representative: Good evening, sir.

Customer: Good evening.

Sales Representative:  How do you like the house?

Customer: Its color is sky blue. It is U- shaped and looks beautiful from the outside. How many stories are there in the building?

Sales Representative: There are five stories in the building.

Customer: How many flats are there on each floor?

Sales Representative: There are three flats on each floor.

Customer: So, there are fifteen flats in the building.

Sales Representative: That’s right.

Customer: How many rooms are there in each flat?

Sales Representative: There are six bedrooms having attached bathrooms, one sitting room, one dining room, and one kitchen.

Customer: Is there any garden in front of the house?

Sales Representative: No, there isn’t. There is no garden in front of the house because there is no space. But, there is a garden on its roof.

Customer: How much is the building?

Sales Representative: The house costs 35 million takas.

Customer: How much rent do you get from the building per month at present?

Sales Representative: Every flat goes for 20000 takas. So, we get 300000 takas per month from the building.

Customer: Is the house very old?

Sales Representative: No, it is not. It is quite new.

Customer: When was it constructed?

Sales Representative: It was constructed in 1995.

Customer: Whom should I talk to about buying the house?

Sales Representative: You should talk to Mr…..the managing director of the apartment company.

Customer: When will he be available?

Sales Representative: He will be available tomorrow. You should come between 11 am and 3 pm.

Customer: Thank you very much for your help. I will come tomorrow.

Sales Representative: You’re welcome. Don’t hesitate to call me if you need any further information.

Frequently Asked Questions (FAQ) when it comes to buying a house:

How much can I afford to spend on a house?

Your budget should consider factors such as your income, monthly expenses, credit score, and the down payment you can afford.
What is a mortgage, and how does it work?

A mortgage is a loan to finance the purchase of a home. You borrow money from a lender and repay it over time with interest.
What is a down payment, and how much is required?

A down payment is an upfront payment made when purchasing a home. The amount varies but is typically around 20% of the home’s purchase price.
How do I get pre-approved for a mortgage?

Contact a mortgage lender to review your financial situation and provide a pre-approval letter, indicating the amount you can borrow.
What is the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate, while an adjustable-rate mortgage (ARM) may have a changing interest rate after a specific period.
What costs are associated with buying a home?

Costs include the down payment, closing costs, home inspection fees, property taxes, and homeowner’s insurance.
How does the home-buying process work?

The process involves pre-approval, house hunting, making an offer, negotiating, home inspection, securing a mortgage, and closing.
What is earnest money, and how much is typical?

Earnest money is a deposit made to the seller to demonstrate your commitment to buying the home. It’s typically 1-3% of the home’s purchase price.
What is a home inspection, and is it necessary?

A home inspection assesses the condition of the property. While not mandatory, it is highly recommended to identify potential issues.
What is closing, and what should I expect?

Closing is the final step in the home-buying process. It involves signing documents, paying closing costs, and transferring ownership. Expect to review and sign various legal and financial documents.
What is homeowners insurance, and why do I need it?

Homeowners insurance protects your property and belongings against damage or theft. It is typically required by mortgage lenders.
How long does it take to buy a house?

The timeline varies, but on average, it takes 30-45 days from making an offer to closing.
What is the role of a real estate agent?

A real estate agent helps you find and purchase a home, guiding you through the process and negotiating on your behalf.
What are property taxes, and how are they calculated?

Property taxes are taxes levied by local governments based on the assessed value of your property. The amount varies depending on location and property value.
What are the benefits of hiring a real estate attorney?

A real estate attorney can provide legal advice, review contracts, and ensure the transaction complies with relevant laws.

Daily English Conversation -About a Shop

Kareena: Hey Katrina how are you?

Katrina: Fine. Thank you.

Kareena: What are you doing in this shop?

Katrina: I am helping my elder brother

Kareena: Who is the proprietor of this shop?

Katrina: My brother is the proprietor of this shop.

Kareena: When did he start the shop?

Katrina: About two years ago.

Kareena: What kind of things do you sell?

Katrina: We mainly sell grocery items.

Kareena: What is your daily sale?

Katrina: Our daily sale ranges from thirty thousand to fifty thousand taka.

Kareena: What is your gross profit margin?

Katrina: Our gross profit margin is about twenty percent.

Kareena: What is the gross profit per month?

Katrina: Our gross profit is around 1 lac fifty thousand takas per month.

Kareena: What is your net profit per month?

Katrina: Our net profit is around seventy-five thousand takas per month.

Kareena: How many employees do you have here?

Katrina: We have fifteen employees here.

Kareena: Who is the manager of the shop?

Katrina: Hrithik is the manager of the shop.

Kareena: When do you open the shop every day?

Katrina: We open the shop at 8 a.m. every day.

Kareena: When do you close the shop every day?

Katrina: We close the shop at 11 pm every day.

Kareena: Do you maintain proper books of accounts?

Katrina: Yes, we do.

Kareena:  Where is your ledger book?

Katrina: Here it is.

Kareena: Do you have any petty cash books?

Katrina: No, we don’t.

Kareena: What was your profit last year?

Katrina: We earned about seven lac sixty-five thousand takas last year.

Kareena: How much money have you invested here?

Katrina: We have invested about fifty lac taka here.

Kareena: Are you satisfied with the outcome?

Katrina: Yes, we are.

Kareena: Thank you very much for your information.

Katrina: You are most welcome.

Daily English Conversation -Deforestation

David: Hey John, what’s going on?

John: Fine. Thank you.

David: I saw that a big tree was cut down in front of our school. I heard that a flat will be built there.

 John: Don’t say that anymore! I feel so bad that I can’t look away anymore. I made a great friendship with the tree since the day I first came to school as a child.

I remember how much I played on the altar built under that huge tree after the holiday.

  David: People who are mad with the pride of civilization seem to have forgotten the contribution of trees.

Intoxicated by this onslaught of urbanization, deforestation is going on everywhere from the Himalayas to the Sundarbans.

John: Someone will at least think that the loss is their own in the end. In this terrible greed, people are destroying their own civilization.

Earth’s average temperature is rising, polar ice is melting, Earth’s water level is rising, biodiversity is being depleted as plants are declining, ultraviolet rays are also having an irresistible effect on the environment.

All in all, the incidence of various diseases is also increasing.

  David: Not only that, you know, according to experts, when the size of a country’s land area falls below 35 percent, then that country will face disaster.

Many countries in the world, including  Bangladesh, are now facing this problem.

John: Actually, ‘a tree is a soul’ — this sentence should not be just a slogan, it should be made an unavoidable condition of living. Otherwise, there will be no escape from this terrible destruction.