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ZAWÓD POŚREDNIKA NA ŚWIECIE
Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Joanna Urban
Poznań 2010
MODULE 1
TEXT 1.1
Created in 1991, the non-profit-making association EPAG, European Property Agents Group,
is the main professional association of real estate agents in Europe. It brings together 29
national associations from 23 EU and EFTA countries. Its main goals are:
- to defend the real estate transaction market within the European Union framework
- to represent the interests of the real estate agent profession
- to participate in educating and informing its member associations
Acting for a rapidly developing profession and within the context of the growing
increase in cross-border transactions, EPAG wishes to lay the groundwork for the European
future of the profession by enhancing the role of the professionals.
One of its main assignments is to keep an eye on legislation and regulations so that the
real estate professional will continue to have easy access to the markets and a fair competitive
position.
As client relationships are becoming increasingly influenced and determined by the
requirements and regulations relating to service quality, transparency and consumer
protection, EPAG emphasises the need to provide young people attracted to this profession
with a high, ambitious, harmonised level of professional qualifications which are recognised
in all EU Member States.
Quality Care means:
- understanding the client's needs
- acting in a professional manner
- providing an efficient service
To achieve these goals the Property Agent commits to abide by the following
obligations, in conformity with the national legislation in force in his/her country of domicile
and also the regulations of the agent's own National organisation. The said obligations should
be considered as minimum rules.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
A. Standard obligations
1. To provide a written agreement to the client, setting out the relevant terms of the
contract entered into as agent, subject to the law concerned.
2. To work in accordance with the relevant legal regulations and the written contract
giving the agent's assignments and the rights and obligations of the parties.
3. In cases of conflicts between the parties, to act ethically, reflecting the duty of case to
the client(s).
4. Not to take any profit nor personal advantage from a transaction, other than what is
agreed on by the contract.
5. Not to take any hidden profit from a transaction.
6. Not to act for both parties without the consent of the client accepting the fact.
7. To hold professional liability insurance and an adequate financial guarantee for funds
deposited on behalf of third parties in correspondence and not in conflict with national
legislation.
8. To abide by EPAG Code of Conduct and by the national professional Association
Code of Conduct.
9. To abide the decisions of the professional association's Ethics/Disciplinary/Practice
Standards Committee (national and/or European).
B. Agent's obligations to the client
1. To efficiently and professionally undertake and complete the client assignment to the
best of his/her ability.
2. To handle the files of clients diligently and confidentially.
3. To propose rigorously the most appropriate solutions to the client.
4. To protect the client against practices that are contrary to European or national
legislation to the best of his/her ability.
5. As a property agent, not take a transferable or not transferable option on any property
being sold through his/her agency.
Furthermore, the agent is expected:
1. To abide by the provisions of the European Directive on Money Laundering.
2. To abide by the Code of Conduct on the European Directive on e-commerce.
3. To implement, as far as possible, and to abide by the national legislation and the
Commission's Decisions, Directives, Recommendations and Opinions related to the
real estate sector.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
4. To diligently and effectively control and manage the work of individuals and legal
entities forming part of the Estate Agency practice.
5. To refuse any assignment, the content and/or the execution of which would infringe
upon the standing and the interests or the real estate profession.
6. To strive to eliminate all practises that are detrimental to the consumer or to the good
reputation of the profession.
C. Means of achieving quality care
1. To use appropriate communication and technical means for business administration in
order to keep the client permanently informed of the situation.
2. To maintain a professional updated data Base of Property Legislation and best
practice.
3. To employ appropriate, competent and suitably qualified staff.
4. To ensure that all personnel within his/her practice have secured EPAG approved
education at third level in property studies and that they partake in appropriate
continuing professional education to the degree designated by their national
professional body.
TEXT 1.2
With the development of private property ownership, real estate has become a major area of
business, commonly referred to as commercial real estate. Purchasing real estate requires a
significant investment, and each parcel of land has unique characteristics, so the real estate
industry has evolved into several distinct fields. Specialists are often called on to valuate real
estate and facilitate transactions. Some kinds of real estate businesses include:
– Appraisal: Professional valuation services
– Development: Improving land for use by adding or replacing buildings
– Investment: Managing investing in real estate
– Management: Managing a property for its owner(s) or managing the real estate held
by a corporation to support its core business (not only generate income)
– Marketing: Managing the sales side of the property business
– Mediation: Facilitating a real estate transaction between the two parties
– Relocation services: Relocating people or business to a different country
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Within each field, a business may specialize in a particular type of real estate, such as
residential, commercial, or industrial property. In addition, almost all construction business
effectively have a connection with real estate.
TEXT 1.3
The size of an apartment or house can be described in square feet or meters. In the United
States, this includes the area of "living space", excluding the garage and other non-living
spaces. The "square meters" figure of a house in Europe may report the total area of the walls
enclosing the home, thus including any attached garage and non-living spaces, which makes it
important to inquire what kind of surface definition has been used.
A dwelling can be described more roughly by the number of rooms. A studio
apartment has a single bedroom with no living room (possibly a separate kitchen). A one-
bedroom apartment has a living or dining room separate from the bedroom. A bedroom is
defined as a room with a closet for clothes storage.
Some more complicated types of dwellings include:
– an apartment building or a block of flats: a multi-unit dwelling made up of several
(generally four or more) apartments
– a basement apartment
– a bedsit: a UK expression (short for bed-sitting room) for a single-roomed dwelling which
usually contains very sparse furniture and is very compact in design
– a condo (condominium): a form of ownership of an individual apartment and a percentage
of common areas
– a cooperative (co-op) – a type of multiple ownership in which the residents of a multiunit
housing complex own shares in the cooperative corporation that owns the property, giving
each resident the right to occupy a specific apartment or unit
– a farmhouse: the main residence on a farm
– a maisonette: an apartment on two levels with internal stairs, or which has its own entrance
at street level
– a manor house: a country house, which historically formed the administrative centre of a
manor, the lowest unit of territorial organization in the feudal system
– a mansion: a very large detached house
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– a mother-in-law apartment, a granny flat: small apartment either at the back, in the
basement, or on an upper level subdivision of the main house, usually with a separate
entrance. If it is a separate structure from the main house, it is called a 'granny cottage' or a
'doddy house'
– a penthouse: the top floor of multi-story building
– a studio apartment, a studio flat, a bachelor apartment, an efficiency apartment, a
bachelorette: a suite with a single room that doubles as living/sitting room and bedroom, with
a kitchenette and bath squeezed in off to one side. The unit is designed for a single occupant
or possibly a couple
– terraced houses, townhouses, rowhouses: a number of single or multi-unit buildings in a
continuous row with shared walls and no intervening space [in the UK, a townhouse is a
traditional term for an upper class house in London (in contrast with country house), and is
now coming into use as a term for new terraced houses, which are often three stories tall with
a garage on the ground floor]
– a two family home, a two family house: a generic U.S. real estate term for a small
apartment house or duplex house containing two dwelling units
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
MODULE 1
WORKSHEETS
Ad. Text 1.1
1. Translate:
organizacja zawodowa łatwy dostęp
jakość usług kwalifikacje zawodowe
uznawany państwa członkowskie UE
warunki umowy zgodnie z
prawa i obowiązki strony umowy
osobista korzyść ukryty dochód
działać na rzecz obu stron bez zgody
ubezpieczenie od odpowiedzialności zawodowej
standardy zawodowe poufnie
odpowiednio personel
2. Match
states, qualified, profit, advantage, quality, association, insurance, access
professional easy
service member
personal hidden
liability suitably
3. Fill in
a) professional qualifications which are ..................................... in all EU Member States.
b) a written agreement setting out the relevant ........................... of the contract
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
c) to work in ...................................... with the relevant legal regulations
d) the .............................. and ................................... of the parties
e) to ................................... for both parties without the .......................... of both of them
f) to abide by the national professional association code of ......................................
g) to handle the files of clients diligently and .............................. .
h) to employ competent, well-qualified ...........................
Ad. Listening
http://www.youtube.com/watch?v=UDTo8Y6fAWM&feature=related
What, step by step, do you need to say in a phone conversation, according to Brian Tracy?
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
MODULE 1
REVISION OF COURSE 140
1. Słownictwo komputerowe
@ załącznik -
/ _ kropka
2. Słownictwo telefoniczne
a) przetłumacz
Obawiam się, że to pomyłka .
Przy telefonie.
Ma zajęte.
Włączyła mi się poczta głosowa.
Ma wyłączony telefon.
Proszę się nie rozłączać, już łączę.
Wyślę od niej SMS-a.
Obawiam się, że poza biurem.
Obawiam się, że poza Poznaniem.
b) popraw błędy
A: Good morning, can I talk with Ms Brown?
B: It’s me.
A: Hello, I’m Jane Meyer. I’m interesting your flat in ulica Keplera. Can we watch it together?
B: What is your convenient time?
A: Tomorrow at 16? How can I get there from ulica Głogowska?
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
B: Get into tram 6 and go 4 stops. Get out at ulica Grunwaldzka. It’ll be a very large modern
building on your right. Go past it along Keplera and take the first turning left. It’ll be a red-
brick school. I wait for you there.
A: How do you look?
B: I’m a very high woman.
A: And I have a yellow jacket.
3. Wstępna rozmowa ze sprzedającym
– Czy ma pan z żoną rozdzielność majątkową?
– Czy ma pan jej pełnomocnictwo do podpisania tej umowy?
– Czy wie pan, na czym polega wyłączność?
– Oto cennik naszych usług.
– Pomagamy w regulacji stanu prawnego za dodatkową opłatą.
– Zrobię zdjęcia i umieszczę je na naszej stronie.
– Będę zamieszczać ogłoszenia w dodatkach o nieruchomościach w miejscowych dziennikach.
– Bardzo proszę o doniesienie mi świeżego odpisu księgi wieczystej.
– Mogę to załatwić za pana.
– Czy ma pan wypis z rejestru gruntów?
– Czy działka jest pana własnością czy jest w użytkowaniu wieczystym?
– Od kogo kupił pan to mieszkanie?
– Czy kiedykolwiek przeprowadzano tu gruntowny remont?
– Ile wynoszą opłaty?
– Czy blok był docieplony?
– Kto zarządza tym budynkiem?
– Czy spółdzielnia jest zadłużona?
– Jak dużo czasu potrzebują państwo na wyprowadzkę?
– Jakie media są podciągnięte do działki?
– Czy droga dojazdowa jest utwardzona?
– Jak jest ogrzewany ten budynek?
– Proszę pokwitować wydanie mi klucza.
– Będziemy w kontakcie.
4. Wstępna rozmowa z kupującym
– Czy korzysta pan z komunikacji miejskiej?
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– Czy wolałby pan osobny garaż czy starczy miejsce w hali garażowej?
– Czy media mogą być w ulicy?
– Czy może to być działka z szambem?
– Przy podpisaniu umowy przedwstępnej wystawię panu fakturę na połowę mojego wynagrodzenia.
5. Wstępna rozmowa z wynajmującym
– Ile ma wynosić kaucja?
– Czy płaci pan podatek od nieruchomości jak za lokal użytkowy?
– Czy jest pan VAT-owcem?
MODULE 2
TEXT 2.1
Legal systems
As far legal systems are concerned, Europe can be divided into five areas:
– the Code Napoleon area (France, Belgium, Italy, Luxembourg, Portugal, Spain),
– the common law area (England and Wales, Ireland, in many respects also Scotland),
– the Nordic countries,
– the Eastern European transformation states,
– the German-speaking countries (Austria, Germany and Switzerland).
However, for land law, there are some important differences to this commonly used
distinction:
– The Portuguese and Spanish land registration system differs from the French system of
mortgage register.
– The Netherlands are somewhere in between the various systems, as happens often in
comparative law.
– The Eastern European countries have more or less returned to their pre-war traditions, so
that we should rather lump Slovenia in one family together with Austria, Poland together with
France etc.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
TEXT 2.2
Apartment Ownership (Condominiums)
Whereas apartment ownership is recognised as a separate and mostly real right in all
European states, there are wide differences about its legal construction. Four main types may
be distinguished:
– The land and the whole building are jointly owned, with each co-owner being granted an
exclusive right to use a specific apartment (Netherlands).
– Apartment ownership is completely separated from land ownership, i.e. an owner of an
apartment need not be joint owner of the land (Scotland).
– Apartment ownership is construed as a matter of corporate law: a corporation owns the land
and the building, and the apartment owners are shareholders, each share granting the right
to the exclusive use of a specific apartment (Finland and Sweden).
– Apartment ownership is a combination of separate ownership of the apartment and joint
ownership of the land and the common structures (e.g. walls, roof, staircases etc.) of the
building (all other countries).
Apartment ownership is generally created by means of a splitting deed regulating the various
property rights and their demarcation among the owners. Together, the owners form an
association, which decides on the maintenance and management of the building and possesses
the power to enact bylaws on the rights and duties of the inhabitants of the building.
TEXT 2.3
Land Registration
All European States have some competent national authority for registering ownership of and
charges on land. In this report, we use the term “land register”, however it can also be called:
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– in the Czech republic “katastru nemovitostí”,
– in England and Wales the “Land Registry”,
– in France “conservation des hypothèques” (in Alsace-Moselle “bureau foncier“),
– in Germany “Grundbuchamt”,
– in Ireland the “Registry of Deeds” (as the old type) and the “Land Registry” (as the modern
type),
– in Italy “registri immobilari”,
– in the Netherlands “kadaster”,
– in Poland “księga wieczysta”,
– in Spain “Registro de la Propriedad”,
Relation to cadaster (land survey)
Mostly, two different authorities are charged with ownership in land: Technical mapping and
land survey usually is done by the cadaster, while the land register is competent for
registering ownership and charges on the land. Even if there is only one agency handling both
functions, the functions usually are still clearly distinguished by the law.
Contents of Registration
In Europe, there are two basic types of land registers: Either real rights in land are registered
or documents are registered. The registration of rights is always ordered by the land registered
and the registration of documents is normally ordered by the name of the respective owner.
Constitutive vs. declaratory
As for the substantive effects of registration, one might ask two basic questions:
– First, is it necessary to register?
– Second, is it sufficient to register?
The first question distinguishes between constitutive registration systems on the one
hand, where registration is necessary for the acquisition of ownership and for the creation of
rights in land, and merely declaratory registration, where the creation or the transfer of the
right is independent of the registration – the latter also called negative registration, because
here registration primarily serves to block other rights. The second question is basically
whether good faith in the register is protected – and to which
extent it is protected.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
To complicate matters, in some countries registration is merely declaratory for the
transfer of ownership, but registration is constitutive for the creation of limited rights in
land such as for a mortgage (Italy, Poland and Spain – in Spain only for mortgages).
MODULE 2
WORKSHEETS
Ad. Text 2.1, 2.2, 2.3
1. Translate
powszechnie używane przedwojenne
własność rozróżniać, wyróżniać
współwłaściciel zagwarantowane
prawo spółdzielcze udziałowcy
udział utrzymanie
zarządzanie mieszkańcy
urząd niezbędne
wystarczające nabycie
2. Match
co, jointly, commonly, pre,
owner, share, corporate, common
law, war, owned, owner,
structures, holder, used, ship
one word: one word with a hyphen: two separate words:
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
3. Fill in
a) As …………….. legal systems are concerned, Europe can be divided into five areas.
b) The Spanish land registration system …………….. from the French system.
c) The …………….. European countries have more or less returned to their …-war traditions.
d) …………….. apartment ownership is recognised as a separate and mostly real right in all
European states, there are …………….. differences about its legal construction. Four main
types may be ………………
e) The land and the whole building are …………….. owned, with each co-owner being
…………….. an exclusive right to use a …………….. apartment.
f) Apartment ownership is completely …………….. from land ownership, i.e. an owner of an
apartment need not be joint owner of the land.
g) A corporation …………….. the land and the building, and the apartment owners are
……….holders, each ……… granting the right to the exclusive use of a ………… apartment.
h) …………….. structures are e.g. walls, roof, staircases etc.
i) The owners form an association, which decides on the …………….. and management of
the building and possesses the power to enact bylaws on the rights and duties of the
…………….. of the building.
j) Even if there is only one agency …………….. both functions, the functions usually are still
clearly …………………….. by the law.
k) Registration is necessary for the …………….. of ownership and for the …………….. of
rights.
l) The second question is basically whether good faith in the register is protected – and to
which …………….. it is protected.
Eastern, handling, specific, share, creation, separate, distinguished, maintenance, wide,
extend, specific, jointly, far, differs, pre, inhabitants, distinguished, whereas, acquisition,
owns, share, granted, common
Ad. Listening
http://www.youtube.com/watch?v=Tge9R5pLecQ
1. What is special about Sagrada Familia nowadays?
2. To what institution does Marc go to after his job interview?
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
3. Who is Generation Zero?
4. What is every economic sector in the country doing?
5. Why in everyday life you can’t realy see the massive unemployment figures?
6. What two things is the government planning to do?
MODULE 2
REVISION OF COURSE 140
1. Problemy z wymową
certificate mezzanine
reinforced burglar
archive bargain
automatic baroque
concrete sanitaryware
bidet copper sheeting
work surface ideally situated for shops
garage beech
cede cement
you raise the price the price rises
vaccum cleaning mall
foreign citzen communal parts
legible signature gabled roof
developer debt
debtor voluntary
receipt gravel
manor house management
inherit subdivide
area lessee
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
in triplicate maintenance charge
issue gym
brochure catalogue
land surveyor ceramic tiles
reliable boundry
granite arable land
radiator guarantee
premises plumbing system
IKEA development
2. Przetłumacz
wykafelkowany wolny, pusty
umeblowany firmowy
oddzielny luksusowy
hala magazynowa
płyta gipsowo-kartonowa
lampki wbudowane w podwieszany sufit
płot salon
podest, półpiętro szafka, hala
lokalizacja łazienka z wejściem z sypialni
roleta – . . . . . blind
drzwi balkonowe – . . . . . windows
kawalerka – . . . . . flat
stal nierdzewna – . . . . . steel
opłaty eksploatacyjne – . . . . . charge
największa sypialnia – . . . . . bedroom
pomieszczenie gospodarcze – . . . . . room
drewniane panele podłogowe – . . . . . wood flooring
3. Uzupełnij
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
a) A large family house with extensive outbuildings and gardens ........................
approximately 1.1 acres. Pleasant position ........................ open fields to the rear.
b) Kitchen: range of ........................ and base units, work ........................ with one and a half
bowl ceramic sink and drainer, tiled splashbacks.
c) From the road there are ........................ operated double iron gates onto the .........way
which leads to the side of the house.
d) A lovely 3-bedroom split level conversion within turn of the ........................ property.
e) Externally there is off-road ........................ to the front and to the rear there is a lawn.
4. Przetłumacz
a) three reception rooms, fitted kitchen with integrated appliances, double glazed windows
and gas fired central heating
b) fitted with matching wall and base units, stainless steel one and a half bowl sink with
storage facilities below, integrated fridge and freezer
c) a three piece bathroom suite in white comprising wash hand basin, panelled bath and WC
d) well-kept garden comprising of patio area, lawn and established borders
e) a recently converted split-level, garden apartment
f) ideally positioned for Stroud Green amenities with Finsbury Park station within close
proximity
5. Uzupełnij
– an apartment building: a multi-unit dwelling made .... of several apartments
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– a .......................: a single-roomed dwelling which is very compact in design
– a .......................: a form of ownership of an individual apartment and a .......................of
common areas
– a cooperative (co-op) – a type of multiple ownership in which the residents of a multiunit
housing complex own ....................... in the cooperative corporation that owns the property,
giving each resident the right to occupy a specific apartment or unit
– a .......................: the main residence on a farm
– a .......................: an apartment on two levels with internal stairs, or which has its own
entrance at street level
MODULE 3
TEXT 3.1
The European Commission has published a study by independent consultants on the EU
markets for legal services associated with house and land sales (conveyancing services). The
study finds that consumers have greater choice and are on average paying less for
conveyancing services under deregulated systems, with no loss in quality. The market for
conveyancing services is worth about €17 billion per annum; efficiency savings of even a few
percent following deregulation would therefore save consumers millions of euros each year.
The Commission is calling on Member States to look at the findings and to review and update
national laws which limit competition and the free circulation of services throughout the
Single Market instead of serving the interests of consumers.
Competition Commissioner Neelie Kroes said: “Most Europeans buy or sell a home or land at
some point in their lives, and will have to pay the associated legal fees. This report presents
the economic evidence that highly regulated systems are not better for consumers in terms of
price and choice of legal services."
Internal Market and Services Commissioner Charlie McCreevy said: "There are no big
surprises in this report and it is plain where consumers are being provided with more choice
and lower costs."
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
The study led by Bremen University carried out an analysis of the effects of professional
regulation on the efficiency and performance of the conveyancing services market.
Conveyancing services comprise, for example, pre-contract searches, transfer deed drafting,
signature certification and deed registration in the Land Registry. This market is of direct
interest to consumers and of high overall economic significance. It is estimated that property
turnover in the EU27 for 2005 was almost €1,800 billion (16% of EU27 GDP) with the
corresponding turnover in conveyancing services being around €16.7 billion. Measures to
open up this market will therefore directly contribute to the Lisbon objectives of growth and
jobs.
The study, surveying 21 EU countries, is the first of its kind and integrates a legal and
economic approach. The different regulatory systems under which conveyancing services are
provided were categorised into four regulatory models for analysis:
The traditional, highly regulated Latin notary system which exists in most continental EU
countries. This model is characterised by mandatory involvement of notaries, quantitative
restrictions on entry, fixed fees and strict market conduct regulation.
The deregulated Dutch notary system under which no numerus clausus exists. Fees are
negotiable and market structure and conduct regulation is less strict.
The lawyer system existing in the UK, Ireland, the Czech Republic, Slovakia and – to a lesser
extent – Austria. This features quality control of professionals through licensing and
professional exams, negotiable fees and lower levels of market structure and conduct
regulation.
The Scandinavian licensed real estate agent system under which real estate agents provide
legal services too. This system exists in Sweden, Finland and Denmark, each with its own
characteristics. This model has little regulation on market entry, conduct and structure and has
negotiable fees.
The legal part of the study assesses the justifications for restrictive professional regulation in
this market. The study comes to the conclusion that, when put to the test, most of the
arguments put forward do not seem to justify restrictions of the sort that feature in highly
regulated systems.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
The economic part examines empirically how professional regulation affects the market for
conveyancing services by measuring the degree of regulation, the quality of services in a
broad sense (using the results of a user survey) and level of fees. It examines the interplay
between these using different classical econometric methods. This concludes that high levels
of regulation generally go hand in hand with high prices whilst not resulting in higher levels
of quality.
The Commission will now present the study to Member States, highlighting its results and
asking for their reactions while encouraging them, when necessary, to consider appropriate
reforms.
A full report of the study is available at:
http://ec.europa.eu/comm/competition/sectors/professional_services/studies/studies.html
TEXT 3.2
IP/09/1476 Brussels, 8 October 2009
Internal Market: Commission takes action against restrictions on estate agents' activities in
Cyprus
The European Commission has taken action to ensure that the Internal Market principles of
free movement of services and freedom of establishment are respected in Cyprus. The
Commission will send a formal request to Cyprus concerning its national legislation
restricting the activities of estate agents. This formal request takes the form of a ‘reasoned
opinion’, the second stage of the infringement procedure laid down in Article 226 of the EC
Treaty. If there is no satisfactory reply within two months, the Commission may refer the
matter to the European Court of Justice. Restrictions on estate agent activities are
incompatible with EU rules.
In May 2008, the Commission sent a complementary letter of formal notice to Cyprus
(IP/08/689) after amendments to Law 273/2004 on estate agents introduced by the Law of 27
July 2007. The amended Law imposes certain conditions upon the recognition of the
qualifications of professionals established in other Member States. These conditions concern
qualifications and professional experience and therefore raise problems of conformity with
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Directive 2005/36/EC on the recognition of professional qualifications. Moreover, would-be
estate agents service providers are obliged to pass an examination proving knowledge of
Cypriot legislation in this area.
Furthermore, the freedom to provide services in this profession is subject to the obligation to
collaborate with an estate agent established in Cyprus, which is contrary to the provisions of
this Directive and the principle of the freedom to provide services enshrined in Article 49 of
the EC Treaty.
Lastly, the Law requires legal persons active in this area to exercise this activity as their sole
corporate purpose. The person or persons exercising the activity of estate agent in a company
are required to exercise this activity exclusively in the company that employs them and may
not act independently of their employer either for other persons or companies, or on their own
account. These two provisions raise problems of compatibility with Article 43 of the EC
Treaty which guarantees freedom of establishment.
Background:
Services are crucial to the European Internal Market. They are everywhere, accounting for
between 60 and 70% of economic activity in the European Union of 27 Member States, and a
similar (and rising) proportion of overall employment. This underlines the economic
importance of services in the European Union. The central principles governing the internal
market for services are set out in the EC Treaty. This guarantees to EU companies the
freedom to establish themselves in other Member States, and the freedom to provide services
on the territory of another EU Member State other than the one in which they are established.
Under the EC Treaty, the European Commission has powers to take legal action – known as
infringement procedures – against a Member State that is not respecting its obligations under
EU rules. These procedures consist of three steps. The first is that the Member State receives
a letter of formal notice and has two months to respond. In case further compliance with EU
legislation is needed, the Commission sends a reasoned opinion. Again the Member State has
two months to reply. If there is no satisfactory reply, the Commission can refer the matter to
the European Court of Justice in Luxembourg. It can also request that the Court impose a fine
on the country concerned if it does not comply with the Court's ruling.
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MODULE 3
WORKSHEETS
Ad. Text 3.1
1. Translate
związane z, kojarzone z obsługa prawna
średnio utrata, strata
rocznie wydajność
oszczędności konkurencja
stałe, ustalone, niezmienne podlegające negocjacji
2. Fill in
terms, registry, findings, resulting, approach, available, significance, necessary, turnover, objectives, carried, instead, fees, provided, provide
a) The Commission is calling on Member States to look at the …………….. and to review and update national laws which limit competition and the free circulation of services throughout the Single Market …………….. of serving the interests of consumers.
b) Most Europeans buy or sell a home or land at some point in their lives, and will have to pay the associated legal ………………..
c) This report presents the economic evidence that highly regulated systems are not better for consumers in ……………… of price and choice of legal services.
d) It is plain where consumers are being ………………. with more choice and lower costs.
e) The study led by Bremen University ………….. out an analysis of the effects of professional regulation on the efficiency and performance of the conveyancing services market.
f) Conveyancing services comprise, for example, pre-contract searches, transfer deed drafting, signature certification and deed registration in the Land ……………….
g) This market is of direct interest to consumers and of high overall economic ……………….
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h) It is estimated that property ……………. in the EU27 for 2005 was almost €1,800 billion (16% of EU27 GDP).
i) Measures to open up this market will therefore directly contribute to the Lisbon ……………… of growth and jobs.
j) The study, surveying 21 EU countries, is the first of its kind and integrates a legal and economic …………….
k) The Scandinavian licensed real estate agent system under which real estate agents ………….. legal services too.
l) This concludes that high levels of regulation generally go hand in hand with high prices whilst not ………………. in higher levels of quality.
m) The Commission will now present the study to Member States, highlighting its results and asking for their reactions while encouraging them, when …………………., to consider appropriate reforms.
n) A full report of the study is …………….. at www.eu.eu 3. Fill in
consider, interests, services, full, direct, study, point, estimated,
concludes, comprise, plain, update, surveying, highly, measures
a) The Commission is calling on Member States to look at the findings and to review and
……………. national laws which limit competition and the free circulation of services
throughout the Single Market instead of serving the ……………. of consumers.
b) Most Europeans buy or sell a home or land at some ……….. in their lives, and will have to
pay the associated legal fees.
c) This report presents the economic evidence that …………. regulated systems are not better
for consumers in terms of price and choice of legal services.
d) It is …………. where consumers are being provided with more choice and lower costs.
e) The …………. led by Bremen University carried out an analysis of the effects of
professional regulation on the efficiency and performance of the conveyancing services
market.
f) Conveyancing services ……………., for example, pre-contract searches, transfer deed
drafting, signature certification and deed registration in the Land Registry.
g) This market is of ……….. interest to consumers and of high overall economic significance.
h) It is ……………… that property turnover in the EU27 for 2005 was almost €1,800 billion
(16% of EU27 GDP) with the corresponding turnover in conveyancing services being around
€16.7 billion.
i) …………….. to open up this market will therefore directly contribute to the Lisbon
objectives of growth and jobs.
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j) The study, ………………. 21 EU countries, is the first of its kind and integrates a legal and
economic approach.
k) The Scandinavian licensed real estate agent system under which real estate agents provide
legal ………………. too.
l) This …………….. that high levels of regulation generally go hand in hand with high prices
whilst not resulting in higher levels of quality.
m) The Commission will now present the study to Member States, highlighting its results and
asking for their reactions while encouraging them, when necessary, to ……………..
appropriate reforms.
n) A …………….. report of the study is available at www.eu.eu
Ad. Text 3.2
1. Translate
poprawka (do ustawy) udowadniać
wiedza wymagany
działać niezależnie pracodawca
tło kluczowy
podjąć kroki zapewnić
zasady przestrzegać
traktat otrzymać [formalnie]
odpowiedzieć [formalnie] x 2
w przypadku gdy grzywna
2. Fill in
a) If there is ………. satisfactory reply ……….. two months, the Commission may refer the
matter ……….. the European Court of Justice.
b) Restrictions ………… estate agent activities are incompatible ……….. EU rules.
c) Furthermore, the freedom to provide services in this profession is subject ……. the
obligation to collaborate with an estate agent established in Cyprus, which is contrary ……
the provisions of this Directive.
d) It can also request that the Court impose a fine …… the country concerned if it does not
comply …….. the Court's ruling.
Ad. Listening
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
http://www.youtube.com/watch?v=YkdixpOvQzs
hold on
in a bit of a hurry
spending bracket
convenently situated
sought-after
cash deal
take an offer
sensible price
arrangement to view
property slump
MODULE 3
REVISION OF COURSE 140
1. Słownictwo do umów pośrednictwa
a) przetłumacz słowa i zwroty
wymagania strona (umowy)
rzut piętra potwierdzać
warunki (umowy) sporządzać
egzemplarz rozwiązywać (umowę)
na piśmie z 14-dniowym wyprzedzeniem
uprawniony będzie zobowiązany
tj. dalej zwany
b) uzupełnij
– Client shall be . . . . . . . . . to pay the Broker a . . . . . . . . . equal to 3% of the
price (...).
– Please . . . . . . . . . your acceptance of these . . . . . . . . . by signing at the bottom
of the end page.
– the person . . . . . . . . . to sell the property
– The agency agreement can be . . . . . . . . . or . . . . . . . . . by either party by 14
days’ . . . . . . . . .
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– (...) represented by Mr John Smith, hereinafter . . . . . . . . . to as Broker
– The Broker shall find a property fitting Client’s . . . . . . . . . specified below.
– The Broker shall also help in . . . . . . . . . the hand-over report.
– Extras: additional photos, For Sale board, virtual tours, additional . . . . . . . . .
– A . . . . . . . . . of this agreement shall be also sent to your . . . . . . . . .
– We guarantee that your property is listed on our . . . . . . . . .
– The agreement cannot be . . . . . . . . . or . . . . . . . . . unless in . . . . . . . . .
and signed by both . . . . . . . . .
– Our . . . . . . . . . shall be paid by the Client on the day of the . . . . . . . . . of the
property in question, . . . . . . . . . on the day of signing the relevant notary deed.
2. Zrozum
a) The Seller has agreed to appoint and The Agent has agreed to act as the Sellers’ estate
agent to sell the Property subject to the terms and conditions below.
b) “Fee” means the commission or remuneration payable by the Seller in consideration of the
Services provided by The Agent in accordance with Clause 3 below.
c) “Property” means the freehold or leasehold property whose address is set out above.
d) “Sale Price” means the final agreed selling price of the Property.
e) In the event that a Purchaser is introduced to the Property by The Agent, or a Purchaser has
entered negotiations about the Property with The Agent, during the Term and subsequently
contracts for sale of the Property are exchanged with the Purchaser, The Agent shall be paid
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in accordance with the appropriate Fee Option.
f) You are either the beneficial owner of the Property, or have the authority from the
beneficial owner to sell the Property on these terms.
g) In accordance with Your choice of Fee Option HouseSimple.co.uk will either provide the
Services of a Sole Agency or a Multiple Agency.
h) A Purchaser the Agent has introduced is anyone who has learned about the Property
through the Agent’s activity either directly or through another person. This can include, for
example, advertisements, office displays, sales details, For Sale signs, internet advertising,
leaflets and any other verbal or written activity. It is possible for the Agent to be the
introducer even where there is another agent instructed.
i) As soon as another estate agency is instructed to sell the property at the same time as it is
being sold by Housesimple.co.uk, the sole agency contract shall become a multiple agency
contract and the commission shall be automatically altered to a multiple agency commission
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fee of £849 + vat if you were contracted to Option 1, £999 +vat if you were contracted to
Option 2 or £1,499 +vat if you were contracted to Option 3.
MODULE 4
TEKST DODATKOWY DO TŁUMACZENIA[fragment pracy dyplomowej “Zawód pośrednika w realiach angielskich”: Joanna Urban, WSB Poznań 2008]
(...) Jak już wspomniano w rozdziale pierwszym, za pośrednictwem estate agents
sprzedawanych jest ponad 90% nieruchomości. Wynagrodzenie pośrednika, podobnie jak
w Polsce, wynosi zazwyczaj od 2 do 3,5% ceny sprzedaży (+ 17,5% VAT). Niektóre agencje
(www.simply4property.co.uk) pobierają wynagrodzenie o stałej wysokości (fixed seller’s fee)
zależnej od zakresu oferowanych usług marketingowych oraz dysponują cennikiem usług
dodatkowych (na przykład dziesięć funtów za każde ponadprogramowe zdjęcie). Umowę na
wyłączność (sole agency agreement) zawiera się zwykle na zaledwie sześć tygodni, można
też skorzystać z usług dwóch (joint sole agency agreement) lub więcej (multiple agency
agreement) agencji (www.home.co.uk).
Należy pamiętać, że klient korzysta dodatkowo z usług conveyancera (kolejne kilkaset
funtów, zależnie od przedziału cenowego), a klient kupujący często zatrudnia także do oceny
stanu technicznego nieruchomości chartered sureveyor. (...)
Metodą praktycznie w Polsce nieznaną jest zamieszczanie przy ofertach numeru
telefonu typu 0-700. Dzwoniący pod taki numer potencjalny kupujący (rzecz jasna, świadomy
tego, co robi) od razu płaci w ten sposób pośrednikowi za udzielane przez niego informacje.
(...)
● Ogólne różnice kulturowe:
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– Powierzchnię nieruchomości, a zwłaszcza wymiary pomieszczeń, nadal podaje się często
w stopach i calach, przy czym należy pamiętać, że jedna stopa to dwanaście cali (a nie sto czy
dziesięć). 6’4” to sześć stóp i cztery cale.
– Często zaznacza się, że okna posiadają podwójne szyby (double glazing), co w Polsce jest
standardem, a w Anglii (przynajmniej do niedawna) oznaką luksusu.
– W wielu miejscach (zwłaszcza w centrach miast i miejscowościach o urokliwej, starej
zabudowie) parkowanie przy krawężniku jest zabronione (o chodnikach nie wspominając),
stąd informacje na temat najbliższych parkingów.
– Sporo ofert z terenów wiejskich to przeznaczone do adaptacji zabytkowe zabudowania
gospodarcze (stodoły, młyny, przypałacowe wozownie). (...)
● Częstsze stosowanie najnowszych technologii:
– rzuty pięter wykonane z użyciem profesjonalnych programów komputerowych, w tym rzuty
trójwymiarowe i „spacery wirtualne” (virtual tours)
– poszczególne oferty dostępne „do ściągnięcia”, zazwyczaj w formacie pdf (gotowe broszury
a nie zwykłe wydruki) (...)
– linki do portalu www.upmystreet.com, stworzonego z myślą o osobach przeprowadzających
się do innej miejscowości, który wyszukuje w danej okolicy najróżniejszych usługodawców,
od najbliższych urzędów pocztowych po firmy organizujące przeprowadzki
● Wyższy poziom kultury handlowej:
– opisy bogatsze o opisy pomieszczeń, okolicy, dojazdu czy komunikacji miejskiej; w opisach
pomieszczeń także liczba gniazdek, rodzaj kaloryferów z liczbą żeberek itp.; opisując, jakie
szkoły mieszczą się w pobliżu, odnotowuje się, jakie miejsca zajęły w ostatnich rankingach
– profesjonalne zdjęcia jak z czasopism wnętrzarskich, co świadczy również
o zdyscyplinowaniu sprzedających, skorych do porządków przed wizytą pośrednika
i usuwania z mebli osobistych drobiazgów
MODULE 4
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WORKSHEETS
Ad. Listening
http://www.youtube.com/watch?v=-V7nFKvodSg
1. Why are house prices are on the up?
2. What’s their first impression?
3. What can they do with the ceiling?
4. What can be done to the kitchen?
5. Why is the bedroom window so high up?
6. What’s wrong with the bedrooms for the female buyer?
7. What doesn’t the male buyer like?
MODULE 4
REVISION OF COURSE 140
1. Problemy z wymową
sewer system couch
settee penalty clause
deposit cafe
colour scheme column
cast-iron stove faucet
garbage wrought-iron fence
licenced meter
luxurious ensuite bathroom
passage survey map
detailed local development plan purchase
entitiled negotiate
unauthorised obligatory
viewing advertisement
conservatory approximately
oven urgent
inheritance tax detached
bear the costs confirm
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perpendicular pre-war
spacious glazed
kitchen utensils household sewage treatment system
vacant conveyancer
withdraw secondary market
valuer orchard
lounge secretary
heir marital status
consent width
lawn loan
strengthened furniture available by separate negotiation
2. Dopasuj połówki zdań
The site includes a footpath...
The units are part of a development of...
Two ground floor retail units...
located on a prominent corner trading position...
offering ample free car parking...
Would also suit families...
...completed to a shell finish.
...as very spacious
...within the centre of the picturesque village
...42 residential flats and 4 retail units.
...facilities for both staff and visitors
...and comprises about 0.18 hectares subject to measured survey.
3. Przetłumacz
mniej więcej – a... po generalnym remoncie – f... r...
części wspólne dom parterowy
betonowy tylni, od tyłu, z tyłu
główne wejście w pełni umeblowane
wykładzina domofon
4. Uzupełnij
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a) It has .......................... planning for a two bedroomed bungalow with attached garage. The
shed shown in the picture will be ......................
b) ..................... condition to be sold on a 999 year ......................
c) Please note that the image used for Unit 2 is a computer ..................... image.
d) Please ............... the website www.braintreebusinesspark.com or for ................. information
contact the agent Paul Bird.
e) exceptionally high standard of fixtures and ......................... throughout
f) ..............-contained one-bedroom flat
g) living room with ............................. area
h) The offices are ................................ on a new lease at a rent of £12,000 per annum.
5. Przetłumacz
hedgerow
lounge
storage
prominent corner trading site
potential for letting rooms
internal configuration of the property
this property is a must see
fantastic local amenities
6. Przetłumacz:
Trzypokojowe mieszkanie na Sołaczu z miejscem parkingowym w hali garażowej, idealne jako
inwestycja pod wynajem. Salon 22m2 z aneksem kuchennym 8m2, okna na południe, podłoga
deski bukowe. Szafki kuchenne na wymiar, AGD Boscha w zabudowie. W przedpokoju szafa
Senator. Mieszkanie do lekkiego odświeżenia. Doskonała lokalizacja: w pobliżu bazarek
osiedlowy i przystanek tramwajowy. Wolne od marca.
7. Uzupełnij:
– a ......................: a very large detached house
– a ................................. flat: small apartment either at the back, in the basement, or on an
upper level subdivision of the main house, usually with a .................. entrance.
– terraced houses, ..........houses, rowhouses: a number of single or multi-....... buildings in a
continuous row with shared walls and no intervening space [in the UK, a .......house is a
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traditional term for an upper class house in London (in contrast with ............... house), and is
now coming into use as a term for new terraced houses, which are often three ................. tall
with a garage on the ........................ floor]
MODULE 5
TEXT 5.1http://www.businesslink.gov.uk/bdotg/action/layer?topicId=1081563908
A Home Information Pack (HIP) is required for most homes put on the market after 14
December 2007. Anyone marketing a home for sale in England and Wales, whether they are
an estate agent or auctioneer, housing developer or a private individual is responsible for
ensuring that a HIP is in place and made available to potential buyers.
A HIP is not required for:
sales where no marketing has taken place, for example to a family member, neighbour
or friend
non-residential properties
properties limited by law for use as holiday accommodation or occupation for less
than 11 months per year
mixed sales, e.g. a shop with a flat
sales of property portfolios
unsafe properties and properties for demolition
The following documents must be included in a Home Information Pack (HIP):
An index which lists documents contained in the HIP. The index must also state if a
required document is not included and explain what steps are being taken to obtain it.
The index must be updated whenever documents are added or removed.
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A Property Information Questionnaire (PIQ) which must be completed by the
seller. The PIQ provides a helpful checklist for buyers of simple information they need
to know about a property before making any decision, including gas and electricity
safety, flood risk information, previous structural damage, parking arrangements, and
a leasehold summary where appropriate.
An Energy Performance Certificate (EPC) / Predicted Energy Assessment (PEA)
which gives homeowners, tenants and buyers information on the energy and carbon
emission efficiency of a property through an A-G grade rating, where A is very
efficient and G is least efficient. The EPC also gives advice on cost effective ways to
improve the rating. For new homes the requirement is to include a PEA, which should
be replaced by a full EPC when the home is built.
A sale statement that includes the name of the seller, property address, whether it is
freehold or leasehold, registered or unregistered, whether it is being sold with vacant
possession and in what capacity the seller is selling the property (e.g. selling on behalf
of a deceased owner).
Evidence of title documents that prove the seller owns and has the right to sell the
property. If the property is registered, certain documents available from the Land
Registry must be included in the HIP.
Standard searches including a search of the local land charges register and other
records held by the local authority (regarding such issues as planning decisions and
road building proposals) and details of the provision of drainage and water services to
the property.
Optional documents
There are a number of optional documents which can be included in a HIP should the seller
wish. These include:
a Home Condition Report which contains information on the physical condition of
the property
home contents form which provides information on fixtures, fittings and contents
included in the sale
non-standard searches covering things like rights of way, ground stability, actual or
potential environmental hazards, and mining
for leasehold properties, additional leasehold documents, such as information on
service charges, ground rent and insurance, a summary of ongoing or proposed works
or managing agent details
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A property can only be put on the market when all the required HIP documents have been
commissioned and paid for. Any required documents omitted at this stage should be made
available within 28 days of the first point of marketing. Potential buyers are entitled to receive
a copy of the HIP, or any part of it from the responsible person on request and this should be
provided to them within 14 days. There should be no charge for this, but buyers can be asked
to pay a reasonable charge to cover copying and postage for sending a paper copy. The HIP
Regulations make no provision for charging for an electronic copy of a HIP. Where a seller
has instructed multiple estate agents, they will each need to have access to the Pack.
How to compile a Home Information Pack
Although the person compiling the Home Information Pack (HIP) does not need any specific
qualifications, all the documents must be obtained from the appropriate source.
Only qualified, accredited domestic energy assessors or qualified, certificated home
inspectors can produce Energy Performance Certificates (EPCs) and only home inspectors can
produce a Home Condition Report.
If the property is registered, official documents must come from the Land Registry.
Local searches come from the relevant local authority, while the local water company
provides drainage and water searches. You can obtain these searches direct from the
organisation or through a personal search company.
If you are marketing a property for sale and choose to compile the HIP yourself, you will
need to:
Create an index. You can find a sample index on the Communities and Local
Government (CLG) website - Opens in a new window .
Include the Property Information Questionnaire (PIQ). The questionnaire should be
completed by the seller. Find a downloadable sample of the general PIQ on the CLG
website - Opens in a new window or find a downloadable sample PIQ for new homes
on the CLG website - Opens in a new window .
Arrange for a qualified, accredited domestic energy assessor (DEA) or a qualified,
certificated home inspector to produce your EPC. DEAs can be found in online and
offline business directories. Alternatively, search for a DEA or home inspector on the
Landmark website - Opens in a new window .
Create a sale statement. You can find a sample sale statement on the CLG website -
Opens in a new window.
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Obtain evidence of title from the Land Registry if the property is registered. Find out
about obtaining title documents on the Land Registry website. - Opens in a new
window
Include a copy of the lease if the property is leasehold. An official copy of the lease
will usually be available from the Land Registry.
Commission the relevant searches from either the appropriate local authority or a
personal search company. If you decide to commission the searches from a personal
search company, consider one that has signed up to the Search Code.
For further information on compiling a HIP, see our guide: Home Information Packs - a guide
for HIP providers
Those who do not comply with the HIP Regulations face the possibility of a penalty
notice of £200.
TEKST DODATKOWY DO TŁUMACZENIA[fragment pracy dyplomowej “Zawód pośrednika w realiach angielskich”: Joanna Urban, WSB Poznań 2008]
(...) Estate agent może zostać każdy bez względu na swoje wykształcenie, z wyjątkiem osób,
którym zabroniło wykonywania zawodu Office of Fair Trading (www.oft.gov.uk), angielski
odpowiednik Urzędu Ochrony Konkurencji i Konsumentów. (...) Estate agents obowiązują
przede wszystkim przepisy zawarte w następujących aktach prawnych: The Estate Agents Act
z 1979 roku, The Estate Agents (Account) Regulations z 1981 roku, The Property
Misdescription Act z 1991, The Estate Agents (Undesirable Practices) Order z 1991 roku, The
Estate Agents (Provisions of Information) Regulations z 1991 roku, The Property
Misdescriptions (Specified Matters) Order z 1992 roku, The Housing Act z 2004 roku oraz
The Consumers Estate Agents and Redress Act z 2007 roku. Sposób zamieszczania i
umieszczania reklam regulują Town & Country Planning (Control of Advertisements)
Regulations z 1992 roku oraz British Codes of Advertising, Sales Promotion and Direct
Marketing.
Klientom zaleca się wybranie estate agent należącego do National Association of
Estate Agents (www.naea.co.uk) lub Royal Institution of Chartered Surveyors (Królewskiego
Instytutu Biegłych Rzeczoznawców – www.rics.org) oraz The Ombudsman of Estate Agents
Scheme (www.oea.co.uk). Do tego ostatniego programu można dołączyć jedynie wtedy,
kiedy jest się członkiem NAEA lub RICS.
National Association of Estate Agents powstało w roku 1962 i skupia około dziesięciu
tysięcy członków. (...)
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Ombudsman of Estate Agents jest rzecznikiem praw klientów pośredników w obrocie
nieruchomościami, a w szczególności klientów tych pośredników, którzy biorą udział w OEA
scheme (programie). Instytucja rzecznika została powołana w 1998 roku, a do programu
przystąpiło do tej pory 2708 właścicieli agencji nieruchomości (73% właścicieli agencji
nieruchomości w Anglii i Walii), co równa się 7666 biurom. Od dnia pierwszego sierpnia
2007 roku członkami OEA Ltd muszą być wszyscy estate agents posiadający w swojej ofercie
domu o trzech lub więcej sypialniach. (...)
Pewna część estate agents to członkowie Royal Institution of Chartered Surveyors –
dosł. „królewskiej instytucji [zrzeszającej] chartered surveyors”. Jak widać, wymaga tu
wyjaśnienia pojęcie surveyor, tłumaczone zazwyczaj na polski jako „rzeczoznawca”,
„geodeta” bądź „inspektor". Według słownika języka angielskiego wydawnictwa Longman,
„surveyor to ktoś, kto bada stan, w jakim znajduje się dany budynek, lub wymierza
i odnotowuje szczegóły tyczące danej działki”. Z kolei strona internetowa RICS
(www.rics.org) podaje, że jej członkowie zajmują się „wielorakimi zagadnieniami
związanymi z gruntami, nieruchomościami, inżynierią budowlaną i inżynierią środowiska”.
(...)
Conveyancers nadaje licencje Council for Licensed Conveyancers
(www.theclc.gov.uk), rada licząca sobie piętnastu członków, z których ośmiu jest
wybieranych spośród licencjonowanych przedstawicieli tego zawodu, a siedmiu spośród
przedstawicieli innych profesji oraz urzędników państwowych. Powstała w 1985 roku rada
kształci, egzaminuje, nadaje roczne licencje, monitoruje, dyscyplinuje i rozpatruje skargi,
zarządza również funduszem przeznaczonym na odszkodowania dla pokrzywdzonych
klientów.
Aby zostać conveyancerem, należy ukończyć kurs stacjonarny bądź
korespondencyjny. Po zaliczonych praktykach i zdanym egzaminie dostaję się „licencję
pracowniczą” uprawniającą do pracy dla conveyancera z licencja pełną, o której przyznanie
można się ubiegać dopiero po trzech latach.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
MODULE 5
WORKSHEETS
Ad. Text 5.1
1. Translate:
wymagany oferować, reklamować
potencjalni kupcy
członek zakwaterowanie
rozbiórka zawierać x 2
kroki są podejmowane dostać, otrzymać [formalnie] x 2
zaktualizowane usunięte
powódź najmniej
sposoby polepszać
zastąpić w imieniu
zmarły urząd
stan stałe elementy wyposażenia
służebność drogi koniecznej opłaty za media
zamówiony pominięty
na tym etapie uprawniony
egzemplarz na życzenie
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
opłata za przesyłkę
2. Match
up, en, on, on, potential, local, least,
rights, re, parking, check, post, fixtures,
planning, family, service, structural,
cost, ground
charges, list, buyers, and fittings, authority,
arrangements, request, of way, rent, dated,
age, damage, efficient, behalf, titled,
effective, decisions, moved, member
Ad. Listening
http://www.youtube.com/watch?v=9WvKvrjm-lU
Tick off as you hear those:
- key information
- legal requirement
- chairman
- pleasure
- questionnaire
- satellite dish
- broadband
- council tax band
- professional indemnity insurance
- informed decisions
- incurred costs
- energy efficiency
- carbon emissions
- too much hassle
- improve
- against the regulations
- consumer-friendly
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
MODULE 5
REVISION OF COURSE 140
1. Przetłumacz
ustalony aktualny, ważny
kancelaria najemca
odpowiednik wypis, odpis
wydział kwitować odbiór
zameldować się umówić się
ubiegać się osoba prawna
Min. Spr. Wewn. mapa geodezyjna
niezapłacony podatek spadkowy
pełnomocnictwo przetłumaczone przez tłumacza przysięgłego
Przekaż klucze najemcy i poproś go, żeby pokwitował ich odbiór.
2. Sprawdź swoją wymowę
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
taxed inheritance authorization charge
receipt marital status survey entitled
available spacious luxurious tiled
3. Podaj definicję
akt notarialny fundusz remontowy gmina
księga wieczysta plan miejscowy meldunek
protokół zdawczo-odbiorczy stan developerski spółdzielnia
rozdzielność majątkowa świadczenia szambo
służebność drogi koniecznej stan surowy otwarty
umowa przedwstępna użytkowanie wieczyste
MODULE 6
TEXT 6.1
Cooling the property market
Slow Canada
The government tries to rein in the housing market
Feb 18th 2010 | OTTAWA | From The Economist print edition
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
CANADA has had an easier time than most during the recent global recession, in part because of a conservative and well-regulated banking system. But dangers still lurk. According to data compiled by the Canadian Real Estate Association, average house prices rose by almost 20% in 2009, propelled by low interest rates and generous government incentives. House prices look overvalued on The Economist’s price-to-rents ratio, which stands roughly 20% above its long-run average (see chart).
Jim Flaherty, the finance minister, dismisses talk of a bubble. But egged on by a chorus of bankers, economists and commentators, he is still letting some air out of the market. On February 16th, in what he called a preventive move, the finance minister announced rules that make it more expensive to buy an investment property, raise the financial bar that mortgage borrowers must meet, and reduce the amount that existing homeowners can borrow against equity in their home.
A year ago the federal government was busily encouraging more people to enter the housing market, with a tax credit for first-time homebuyers and an increase in the amount they could borrow from their registered retirement-savings plan. It also indirectly encouraged home-equity loans through a tax credit for home renovations.
Now that fears of recession are dissipating, Mr Flaherty says he wants “to discourage the tendency some people have to use a home as an ATM, or buy three or four condos on speculation.” When the new rules come into effect in April, buyers of investment properties will need to stump up a deposit of 20%, not the 5% minimum required for residential properties. Homeowners who refinance their mortgages will be limited to taking out 90% of the equity in their property, down from 95% now.
Raising interest rates would have been another, much blunter solution to the problem of an overheating housing market. But the Bank of Canada is sticking to its promise to keep its overnight rate at a record low of 0.25% until July, inflation permitting, arguing that an increase “would be dousing the entire Canadian economy with cold water”.
That makes sense. Economic recovery is not yet entrenched. The new rules are more targeted, and can be tightened further if need be. And they are designed to discourage households from increasing their already-record debts rather than to puncture a housing bubble. In particular Mr Flaherty worries that homeowners are taking on more debt than they will be able to handle when interest rates eventually rise. The measures will also require applicants for short-term mortgages at today’s low rates to meet the higher income standards needed for a five-year, fixed-rate loan.
TEXT 6.2
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Global house prices
Ratio rentals
House prices are still far above their fair value in many countries—though no longer in America
Dec 30th 2009 | From The Economist print edition
WHEN The Economist last published its round-up of global house prices in September (see article) there were only two countries (Switzerland and China) in which prices were higher than a year earlier. Since then many housing markets have strengthened. The latest survey shows that house-price inflation has turned positive in six countries, and in Hong Kong the rate of increase is now in double digits. Even where prices are still falling year on year, markets are healing. In America the S&P/Case-Shiller index of prices in ten big cities was unchanged in October, after five monthly increases. That has left prices 6.4% below their levels 12 months earlier; go back a year and house-price deflation was almost three times as high.
That markets are now stabilising could suggest that prices have fallen far enough to correct the excesses of the global housing bubble. To test that hypothesis The Economist has created a fair-value measure for property based on the ratio of house prices to rents. The gauge is much like the price/earnings ratio used by stockmarket analysts. Just as the worth of a share is determined by the present value of future earnings, house prices should reflect the expected value of benefits that come from home ownership. These benefits are captured by the rents earned by property investors, which are equivalent to the tenancy costs saved by owner-occupiers.
Shares are deemed pricey when the p/e ratio is above its long-run average. Similarly, homebuyers are likely to be overpaying for property when the price-to-rents ratio is higher than normal. By that yardstick house prices seem low in only a handful of countries in our survey, as the final column in the table shows. One is Japan, where steadily falling property prices mean the price-to-rents ratio is 34% below its average since 1975. Switzerland’s ratio is also less than its long-run average. Germany looks cheap as well, and since our valuation benchmark goes back only to 1996 and so misses out a period when German house prices were frothier, may be cheaper still.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
The global housing bubble passed Japan and Germany by, so it is not surprising to learn that housing is cheap there. A more striking finding is that America’s housing bust has taken prices back to their long-run average value against rents. Based on the Case-Shiller national index, American house prices had fallen to 3% below their fair value by the third quarter of 2009, well down from their inflated values at the start of 2006 (see chart). Another index from the Federal Housing Finance Agency, the regulator of Fannie Mae and Freddie Mac, tells a different story. On that basis America’s house price-to-rents ratio is still some 14% above its average. But that measure may not fully capture how far values have fallen, as it excludes homes that were paid for with subprime mortgages, for which fire sales are more common.
The correction in house prices has not gone as far in other countries. In Britain, where prices are increasing again, housing still looks expensive (if not quite as dear as in Australia). Prices in China are rising, too, but its market does not yet look bubbly. Hong Kong is a different matter. Its notoriously volatile market is booming again, even though the price-to-rents ratio is already more than 50% above its historical average. At least house prices are still falling in the euro area’s overvalued markets, such as France, Spain and Ireland.
No valuation measure is perfect. One flaw with the price-to-rents gauge is that it takes no account of shifts in real interest rates. Spain and Ireland have enjoyed far lower real rates than they did before they joined the euro in 1999. These might justify smaller rental yields and thus a higher fair-value price-to-rents ratio than suggested by history. That would help explain why Spain’s price-to-rents ratio has trended upwards over time, in contrast with Britain’s, which has fluctuated more obviously around its long-run average.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Partly for this reason, fair-value gauges can also be sensitive to how far back the figures go for each country. Ireland may look less overvalued than Spain because the available data go back only to 1990 and omit a period of less bouncy markets. If the average price-to-rents ratio is calculated from 1990 onwards, Spain’s market is overvalued by 24%, rather than the 55% shown in the table (based on figures from 1975). That would make both markets similarly overpriced.
In spite of these blemishes, the price-to-rents gauge is a useful check on how puffed-up property markets are. A housing boom turns into a bubble when prices are driven up by expectations of future price gains. Scarcity of supply or population shifts are often used to rationalise high house prices, but such fundamentals should push up rents, too. That house prices in America are back in line with rents suggests the worst of its correction is over (although a further downward leg is possible since past housing busts have pushed prices below their fair value and there is a large stock of unsold houses to clear). Europe’s housing correction, however, seems far from over.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
MODULE 6
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
WORKSHEETS
Ad. Text 6.1
1. Translate
recesja częściowo
czaić się według
dane zestawiać z sobą – c…
wykres dementować pogłoski – to d… t…
posunięcie – m… ogłaszać – a…
kredytobiorcy – m… b… rząd centralny
zachęcać wchodzić w coś
bankomat mieszkanie właśnościowe
oprocentowanie to ma sens, to trzyma się kupy
odbudowa – r… długi
radzić sobie – h… dochód
pożyczka
2. Match
borrowers, promise, sense, compiled, part, talk, recovery, government, rates, to, move, lurk
in dangers
according data
dismiss preventive
mortgage federal
interest stick to its
make economic
Ad. Listenings
http://www.youtube.com/watch?v=Mf1V7g5hmPc
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
1. What comparison does the man do between now and the year 1995?
2. What has changed on the mortgage market?
3. What can the government tax incentives cause in the near future?
4. When were the prices in California lowest?
5. What’s the secret of real estate?
MODULE 7
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
TEXT 7.1
A real estate broker is a term in the United States (and real estate agent in Canada) that
describes a party who acts as an intermediary between sellers and buyers of real estate (or real
property as it is known elsewhere) and attempts to find sellers who wish to sell and buyers
who wish to buy.
Estate agent is the term used in the United Kingdom to describe a person or organization
whose business is to market real estate on behalf of clients, but there are significant
differences between the actions and liabilities of brokers and estate agents in each country.
Beyond the US, other countries take markedly different approaches to the marketing and
selling of real property.
In the US, real estate brokers and their salespersons assist sellers in marketing their property
and selling it for the highest possible price under the best terms. When acting as a Buyer's
agent with a signed agreement (or, in many cases, verbal agreement, although a broker may
not be legally entitled to his commission unless the agreement is in writing), they assist
buyers by helping them purchase property for the lowest possible price under the best terms.
Without a signed agreement, brokers may assist buyers in the acquisition of property but still
represent the seller and the seller's interests.
In most jurisdictions in the United States, a person must have a license before they may
receive remuneration for services rendered as a real estate broker. In some states, lawyers are
allowed to handle real estate sales for compensation without being licensed as brokers or
agents.
Before the Multiple Listing Service was introduced in 1967, when brokers (and their agents)
only represented sellers, the term "real estate salesperson" may have been more apt than it is
today, given the various ways that brokers and agents now help buyers through the process
rather than merely "selling" them a property. Legally, however, the term "salesperson" is still
used in many states to describe a real estate agent.
In the United States, there are commonly two levels of real estate professionals licensed by
the individual states, but not by the federal government: real estate salesperson (or, in some
states, real estate broker) and real estate broker (or, in some states, principal/qualifying
broker).
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
After gaining some years of experience in real estate sales, a salesperson may decide to
become licensed as a real estate broker in order to own, manage or operate their own
brokerage. Upon obtaining a broker's license, a real estate agent may continue to work for
another broker in a similar capacity as before (often referred to as a broker associate or
associate broker) or take charge of his/her own brokerage and hire other salespersons (or
broker) licensees. Becoming a branch office manager may or may not require a broker's
license. Some states such as New York allow licensed attorneys to become real estate brokers
without taking any exam. In some states, such as Colorado, there are no "salespeople", as all
licensees are brokers.
A realtor is a real estate professional, usually a broker or salesperson, who is a member of the
National Association of Realtors (NAR). There are 1.3 million Realtors, mostly in the US.
Traditionally, the broker provides a conventional full-service, commission-based brokerage
relationship under a signed listing agreement with a seller or "buyer representation"
agreement with a buyer. Some state Real Estate Commissions created the option of having no
agency relationship between brokers and sellers or buyers. Having no more than a facilitator
relationship, transaction brokers assists buyers, sellers, or both during the transaction without
representing the interests of either party who may then be regarded as customers. The
Transaction Broker crafts a transaction by bringing a willing buyer and a willing seller
together and assists with the closing of details.
Dual agency occurs when the same brokerage represents both the seller and the buyer under
written agreements. Many states no longer allow dual agency.
Other services include:
– Comparative market analysis (CMA) – an estimate of the home's value compared with
others. This differs from an appraisal in that property currently for sale may be taken into
consideration.
– Exposure – marketing the real property to prospective buyers
– Facilitating a Purchase/Sale – guiding a buyer/seller through the process
– FSBO document preparation – preparing necessary paperwork for "Sale By Owner" sellers
– Hourly Consulting for a fee, based on the client's needs
– Leasing for a fee or percentage of the gross lease value
– Property Management
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– Auctioning property
– Preparing contracts and leases (not in all states)
Agents are typically not given power of attorney to sign the real estate contract or the deed;
the principals sign these documents.
Some real estate brokers may be associated with loan officers who may help to finance buyers
to make their purchase. Most agents prescreen buyers to ensure that they are financially
qualified to buy the property; the more highly financially qualified the buyer is, the more
likely the closing will succeed.
Exclusive Right to Sell – in this type of agreement the brokerage also offers to co-operate
with other brokers and agrees to allow them to show the property to prospective buyers and
offers a share of the total real estate commission
Exclusive Agency – allows only the broker the right to sell the property, and no offer of
compensation is ever made to another broker. In that case, the property will never be entered
into an MLS. Naturally, that limits the exposure of the property to only one agency.
Open Listing – the property is available for sale by any real estate professional.
A lockbox containing the keys to the property will generally be placed on the front door. The
box can only be opened by licensed real estate agents (often only with authorization from the
listing brokerage) by using some sort of secret combination or code provided by the brokerage
or the issuer of the lockbox.
TEXT 7.2
Hello,
I am a Real Estate Consumer Advocate. I am not trying to sell you anything. I am not
endorsing any approach or saying yes or no to any company or service. I am a former licensed
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
real estate agent, now a strong supporter of consumer rights. I hope you find the following
information, hints, and guidelines helpful:
First some basic mind set:
*** Whether you are buying or selling, most likely two Realtors will be involved, one
representing the Buyer, and one representing the Seller. This also means that most likely there
are two different real estate companies involved, thus two different brokers.
*** Add to this dilemma are outside factors such as:
** A Home Inspector.
** A Title Company.
** A lawyer, depending on where you live in the USA.
** A Mortgage Company, probably two if the Seller still has an outstanding
mortgage balance and lien on the property, and a new mortgage with the
buyer.
** A Termite / Infestation Inspection Company.
** An Insurance Company (home owner's insurance is required if the property has a
mortgage).
** A Home Owner's Association (HOA) if it is a newer home.
** An Appraiser (required by all lenders).
** A Mortgage Broker, if the buyer uses one.
** A government inspector if the home is an FHA or VA Loan.
** Property Taxes and assessments.
** A Repair Contractor / Handyman (a home inspector always finds something).
** Home Warranty Program.
** Cleaners - carpet, floors, drapes, windows, etc. plus a maid service.
** The moving and/or storage company.
** The landscaper, pool company, etc.
** Others that my or may not be required or involved according to the specifics
of the sales and purchase contract, or required by law within the jurisdiction
of the purchase.
----> The point to all of this is the 'Human Factor.' With so many people involved
there is bound to be glitches, problems, conflicts, remorse, and a whole host
of issues.
Addressing How To Protect Yourself from a BAD Transaction:
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
///\\\ ~ First recognize that Realtors are NOT your friends.
///\\\ ~ Never be afraid to ask questions or put a HOLD on the transaction until
an issue is COMPLETELY Resolved.
///\\\ ~ Never accept statements like, 'But this is the way it's always been done'
or 'It's Ok just sign here.'
///\\\ ~ If you are a Buyer, get Full Disclosure from all parties, not just the Seller
but everyone, and have all inspections done by certified companies.
///\\\ ~ Do NOT be pressured into anything. For most people buying or selling
a home is the biggest financial thing in your life. Think of it as shopping
for car, get the best deal before proceeding with the purchase.
///\\\ ~ Never be afraid to walk away from a bad deal.
///\\\ ~ Never be afraid to consult a lawyer.
///\\\ ~ On questions from inspectors talk to them yourself. It is a bad idea
to have a real estate agent do it, they want to get the sale for their
commission. Realtors are not looking after you, you are looking after
you !!!!
///\\\ ~ Be prepared if something goes wrong.
OK, You want me to be Prepared, how do I do that?
## Get a tape recorder, a cheap investment compared to the property sales
contract amount. Record everything everyone says, even the lawyer if you
see one. Personally, I would recommend one of those new hidden type
pocket Pen tape recorders that can be down loaded to your computer. The
cost ranges from about $300 to $450. You then have a complete record
of everything everyone says, the dispute about he said they said is over.
Record it even if it is third party, i.e. your Realtor tells you, 'The seller's real
estate agent said ....'
* You may also want to create a 'Com File (communication file).' This
simply is a running account of what is said by date and time, and who said
it. Plus who may have agreed to what, and when something was (is) to be
done, i.e. a repair, and inspection, an appraisal, etc.
Note: Personally I would use a hidden tape recorder, people are more
themselves when they are relaxed. But if this bothers you, get a standard
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
pocket recorder for about $30 to $100 and sit it on the table. Tell everyone
you talk to ... "You don't mind if we record this, just so things are clear."
Then turn it on before they say anything. I have personally done this with
New Home Builders. You can feel the tension but you get a better home
in the end.
## Make sure you get a copy of every document. Keep these for at least
two years after the property closes.
## In the event you did not get what you thought or was implied in the
contract including all the subsequent surrounding and interrelated people
and happenings, use the 'com file' and tape recordings, and sue everybody.
## Read every damn thing thoroughly before you sign it.
## Purchase a Digital Camera. Take pictures of everything inside and out
the day of the contract signing. This insures what is there is what you end up
with once the keys are turned over to you.
## Do a final walk through the same day of closing. Again using a digital
camera take pictures of everything. Compare the pictures, if anything is
missing or changed stop the closing, do not take possession of the property.
## Also at inspection and final walk through before 'Close of Escrow (COE)',
make sure everything is removed from the home. No trash, no debris, no toxic
chemicals, no current owner's possessions, etc. The home should be empty
unless certain items are contractual and specified to remain as part of the sale.
GOOD LUCK!
JACK
MODULE 7
REVISION OF COURSE 140
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
1. Przetłumacz
potwierdzić wycenić
granice dostarczać informacji
zadatek usługa
2. Dopasuj połówki
Before you can look at properties...
How much could you afford...
Ground rent is an annual charge...
The deeds are handed over...
The legal papers...
A fee paid to the Land Registry to transfer...
...payable by a leaseholder.
...ownership record of the home
...and.the keys are released.
...that show ownership
...to pay back each month.
...you need to work out your price range.
3. Uzupełnij
Let our Mortgage Calculator ........................ your price range for you.
Often the best way to find a good solicitor is by personal .....................................
This will detail exactly what they will lend you, and on what ........................
If mortgage payments have not been paid on time and/or are not the correct ......................,
the borrower is said to be in .........................
The Bank of England base rate ............................... lending rates in the UK.
arrears, determines, recommendation, terms, estimate, amount
4. Utwórz wyrażenia
valuation, fee, hunt, deeds, back, sign, range, advance
price house
for sale basic
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
in arrangement
title pay
5. Przeczytaj
New rules to protect mortgage holders who are in arrears have been proposed by the Financial Services Authority.
The FSA says it wants to ensure that those borrowers are treated fairly, especially ones who have
borrowed from specialist lenders. The proposals are part of the FSA's current review of the way the
mortgage market works. "Lenders need to be in no doubt of their obligations to customers who fall
behind with payments and must realise that such circumstances are not an opportunity to create further
profits," said Lesley Titcomb of the FSA.
The main points of the latest consultation are that:
• firms must not add early repayment charges onto any arrears charges, or charge interest on those
charges
• firms must consider all options for borrowers and use repossession as a last resort
• payments by customers in financial difficulties must go to clearing arrears first, with arrears charges
being paid off later
• all telephone calls and records about customers arrears must be kept for three years.
Already last autumn, the first part of the regulator's mortgage market review proposed that self-
certified mortgages should be banned. All borrowers would be required to show that they could afford
to repay their home loans.
The regulator's new proposals will also mean that all mortgage advisers, even those who arrange
mortgage sales without giving advice, will have to prove to the FSA that they are "fit and proper" for
their jobs”.
MODULE 8
WORKSHEETS
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Ad. Listening 1
http://www.youtube.com/watch?v=q1zh49J5rsg
1. What’s the main difference between Japanese and American address system?
2. In what way are house numbered in Japan?
Ad. Listening 2
http://www.youtube.com/watch?v=vaT4kURjAOs&feature=related
1. What is a genkan?
2. What two things are special about the bathtub?
3. What’s special about the toilet sink?
4. How big is their living room?
5. What is a kotatsu?
6. How is their apartment heated?
7. How is garbage collected in Japan?
8. What appliances do they cook with?
MODULE 8
REVISION OF COURSE 140
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
1. Przetłumacz
podnajmować kaucja
przelew konto
zniszczenie kradzież
śmieci hydraulika
płot trawnik
spadkobierca licznik
2. Uzupełnij
to ........................ the gas, electric and water service charges to their name
Failure to pay rent when ................................. will result in...
to ....................... amounts of unpaid bills from the deposit
to make arrangements for meter ........................ as needed
violation of any ......................... of this contract by Resident
This is a legally .................... contract.
This agreement may be ........................... by mutual consent of the parties.
The Owner may elect to renew for another term but at a rental increase of 3% to 5% of
current rental rate depending on the market ...............
transfer, terminated, provision, due, binding, index, readings, deduct
3. Przetłumacz
to evict
to seize the security deposit
tacks and nails
hail
to warrant
to disturb
4. Uzupełnij
- ........... resident’s expense
- ........... the resident’s consent
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
- to safeguard property ................ damage, destruction, loss, removal and theft
- ........ the event they remain unpaid after the termination of this agreement
- The initial payment of rent and deposit must be made ........... cash. Thereafter, monthly rent
payments may be paid ........ bank transfer .......... the following account
- The Resident should refrain ............. contacting the Owner except for emergencies.
MODULE 9
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
TEXT 9.1
At Agent Image, we work with your marketing goals to help you achieve the best design for
your site. Your website is conceptualized by our experienced designers and we work with you
until you are satisfied with a design that best represents you and your company. Your Client
Success Representative makes sure we are hitting your branding, design and marketing goals.
See below at how some of our designs are conceptualized, edited and finalized for launch.
A Dedicated Team Member Every Step of the Way
Unlike other companies, you have a dedicated representative through each step of the process.
Where else can you have a specialist work with you on creating your site, marketing online
and managing your site after your site has been launched?
Success is a Two-Way Street
Want to make the best of your new purchase? Get creative! Our most successful clients are
involved every step of the design process. Our clients know that their relationship with any
web design firm should be one that is long term and lasting.
The Most Important Things People Look For On Your Website
People are looking for an experience. That's the crux of the matter. Consumers will come for
all different reasons. They may come for listings, or local information, or to learn about you,
or for rates, or for general real estate help, or for any number of other, unforeseen reasons.
But what they want, and what you better be able to deliver, is an experience.
Disney isn't that concerned about what toys are in their souvenir shops. What they're
concerned about is creating an experience so remarkable that kids will beg their parents to
take them. They know that if the experience is strong, the souvenirs sell themselves, people
will evangelize them, and customers will return. The way you deliver that is through superior
design, usability, cutting-edge technologies, and a wealth of information.
Can you have it all? Possibly, eventually. But what matters most is that you pick one,
or two, and perfect them. Then gradually do more. But trying to do them all, at once (trying to
be all things to all people), is the surest way to erode the experience for everybody, and by
nothing to anybody.
So what a real estate company's website needs, first and foremost, is an identity, a
direction. What are you? Are you the premier authority for real estate information? Are you
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
the easiest way to find the right listing? Are you the most high-tech real estate company in
your market? What ever it is you decide to be, will naturally attract like-minded consumers.
From there on, your primary decisions should be based on meeting and exceeding that
particular group's expectations. That's what creates a successful website. That's what creates
an experience worth talking about.
How Strong is Your Branding?
There's one variable that is becoming increasingly important in this industry - Branding.
Increasingly, consumers are having their online expectations set by VERY brand-conscious
companies, like Apple, Target, CNN, Google, Amazon, etc. Just look at any brand-name
commercial site, or browse the web in general, and you'll begin to see the growing disparity
between what consumers have come to expect from industry professionals, and what they find
on most real estate websites – a real, professional image.
If your home is likely the largest investment of your life, and the bar has been set by
the giants in the industry, when you come to a realtor's website that is poorly branded, or
poorly designed, are you likely to surrender your largest asset to the care of that person?
Conversely, what about if you come to an agent's website that really stands out from all the
other template-based websites you've seen, a website that has been professionally, custom
designed? Outside of all the content/form architecting you can do, the appearance of your
website speaks volumes about who you are, how serious a player you are in the industry, how
savvy you are with technology, and the care with which you will market their greatest asset.
At a time when an agent's image is being severely threatened by market forces, it's
becoming increasingly important, if not imperative, to NOT look like the rest, to preserve
your image through quality design. Now, more than ever, your website design is playing a
real role in what makes a consumer choose an agent. So when it comes right down to it,
analyze the importance of your website design to ensure it establishes your image and gets
results. Be aware of the increasing role design works for your branding because that
ultimately determines whether visitors believe you're a respectable agent or broker.
Press Release service
NewsBlasts remain available online indefinitely, hosted on a site that receives over 15 million
page views every month. They are only removed upon your request.
A press release:
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
– generates traffic and drives visitors to your site
– is made available to over 100,000 media outlets, and though we can make no guarantees
about who will pick up your story, due to our expansive network it is highly likely that your
story will appear both online and in print
– is made available to thousands of news sources, Blogs and personal website via the new
RSS (Really Simple Syndication) news feed technology
– will be optimized for Google and many other search engines, so you can expect to see
information about your site show up in search engine results within just a few days
Online videos
Online videos are growing in popularity and are a must have element to maintain website
interest from your online visitors. Place videos strategically through your website to enhance
your message and better showcase your best properties.
Since 1999, Agent Image has been the leader in online real estate marketing. We
created AgentImage.tv to provide agents and brokers with easy and affordable ways to add
video to websites. AgentImage.tv offers effective and dynamic video products to dramatically
improve your marketing.
ActiveVideoTour – Impress your sellers with custom, high-end property videos. We can
bring the experience and subtle details of your property, hotel, commercial or new home
development to life using video. The process is simple. Answer a brief set of questions, we
schedule the shoot and our team of video experts goes to work. In less than 3 weeks, you will
have your internet-ready video.
AgentFilm – Agent Image will bring your agent website to life with your own personal
agent video. It's easy. After you fill out a short questionnaire, we do the rest of video
production work for you. Studies show that adding a personal video to your to the home page
of your website can dramatically increase the chances of a potential client choosing you as
their agent.
MODULE 9
WORKSHEETS
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Ad. Text 9.1
1. Translate below:
a) We help you achieve your goals.
b) Until you are satisfied with the design.
c) See below at how some of our designs are finalized for launch.
d) Want to make the best of your new purchase?
e) Long term and lasting relationship.
f) What they're concerned about is creating a remarkable experience.
g) Kids will beg their parents to buy those.
h) Superior design, usability, cutting-edge technologies, and a wealth of information.
i) Pick one, or two, and perfect them. Then gradually do more.
j) Be aware of the increasing role design works for your branding.
k) Visitors believe you're a respectable agent or broker.
l) It is highly likely that your story will appear both online and in print.
m) We provide agents with easy and affordable ways to add video to websites.
n) Studies show it can dramatically increase the chances.
a)
b)
c)
d)
e)
f)
g)
h)
i)
j)
k)
l)
m)
n)
2. Look at your translation and try to recall the sentences (orally).
a) We help you ………………… your ……………...
b) ……………. you are ……………….………… the design.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
c) …………………………………. some of our designs are f…………… …… l………..
d) Want to …………………………….. of your new …………………?
e) …………………… and …………………… relationship.
f) What they're ………………………………….. is creating a ………………… experience.
g) Kids will ………… their parents to buy those.
h) …………… design, ………….., cutting-……… technologies, and a …….. of information.
i) ……….. one, or two, and …………. them. Then ……………… do more.
j) Be …………….. of the ………………… role design works for your branding.
k) Visitors believe you're a ……………… agent or broker.
l) It is highly ……………… that your story will ………….. both online and …………..
m) We provide agents …… easy and …………….. ways to add video to websites.
n) ……………… show it can dramatically …………….. the chances.
3. Look at your translation and try to recall the sentences (orally).
a)
b)
c)
d)
e)
f)
g)
h)
i)
j)
k)
l)
m)
n)
Ad. Listening 1
http://www.youtube.com/watch?v=LgtoIs-aQRI&feature=related
Name some of the 27 products the persons filmed are advertising.
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Ad. Listening 2
http://www.youtube.com/watch?v=vXp_bx7m3fY
CRM
lead(s)
RSS feed
social networking
MODULE 10
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
TEXT 10.1
WorldProperties.com is backed by the International Consortium of Real Estate Associations
(ICREA), which is comprised of 30+ leading national real estate organizations representing
2 million brokers/agents worldwide, each of whom adhere to a code of conduct.
WorldProperties.com provides benefits to broker/agent members by assisting them in
marketing and facilitating business in the global marketplace. WorldProperties.com assists
consumers in locating properties outside their country and in finding a qualified real estate
professional.
ICREA Affiliate Members are organizations (not individuals) whose interests and/or
objectives are aligned with those of ICREA) and/or ICREA Member Associations, but who
are not qualified for regular membership in ICREA.
As a member constituent of one of ICREA's organizational members, you have access
to valuable information and resources to assist you in your business. By registering on
WorldProperties.com you can access the Member Directory White Pages, give and accept
business referrals using ICREA's Referral Network, and much more.
ICREA and its member associations are committed to high standards of professional
conduct for member brokers. Each member association has a country-specific code of conduct
and, collectively, the organization has adopted a statement on International Principles of
Conduct.
The Associations set standards for international real estate practice and transactions for
the benefit of the industry professionals and the public they serve. ICREA’s efforts to ensure
technology doesn’t displace practitioners, but instead keeps them central to the transaction, is
a vital benefit to all members.
Origin of the International Consortium Concept In August 1999, representatives from nine national associations from Europe, Asia and the
Americas met to discuss the globalization issues facing their respective members. The
outcome was a consensus that an international forum was needed where real estate
associations could come together to share information, discuss the forces of a global
economy, and facilitate their member's international activities.
Subsequent meetings of this group resulted in the formation of an international
consortium made up of the leading real estate associations serving national markets. In
November 2000, 24 real estate associations signed a letter of commitment to the Consortium.
After nearly two years of laying the foundation, 23 associations signed the formal agreement
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
on May 13, 2001 in Washington, DC, officially launching the International Consortium of
Real Estate Associations (ICREA). Since then, membership has continued to expand.
These basic commitments oblige each member association:
– to maintain its own website linked to the ICREA website
– to make current membership information available at the ICREA site;
– to bear financial responsibility for its own involvement and pay a proportionate
share of the operational expenses.
ICREA is governed by an nine-member Executive Committee, which acts as the
equivalent to a Board of Directors.
Each country may be represented by a single entity, so where multiple national
brokerage organizations exist within a country, these groups are encouraged to join together
as a single alliance for purposes of ICREA membership only. Real estate associations
interested in pursuing membership in the International Consortium of Real Estate
Associations may contact us at [email protected].
Value to the Consumer ICREA helps consumers understand the global market business practices and can assist both
buyers and sellers. Using online resources, buyers and sellers can learn about how real estate
is transacted in the country of interest, so they are prepared for the differences from the
practice in their home country. Buyers can search for properties among more than 3 million
listings, and locate a broker who will work in a cooperative manner with a broker in another
country to ensure the best possible service. Sellers can locate a broker who will market their
properties to a worldwide market. This is especially important for sellers with distinctive
properties that will attract buyers from around the globe in search of a vacation, resort, or
luxury property, or simply one that's unique within its local market.
MODULE 10
WORKSHEETS
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
Ad. Text 10.1
1. Translate
backed by
associations
code of conduct
assists in
qualified
individuals
membership
access
valuable
resources
registering
directory
referral
network
committed to
serve
origin
representatives
to share
subsequent
resulted in
made up of
foundation
expand
commitments
obliged
maintain
current
available
bear financial responsibility
expenses
equivalent to
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
a Board of Directors
exist
value
consumer
practice
luxury
unique
2. Fill inbacked ….. assists ….. committed …..
resulted ….. made ….. ….. equivalent …..
3. Translate
wykwalifikowany
zobowiązany
cenny
obecny, bieżący
kolejne
dostępny
unikalny
wspierany przez
złożony z
oddany czemuś
praktyka
osoba prywatna
luksus
członkowstwo
stowarzyszenia
dostęp
sieć
pochodzenie
zobowiązania
rada nadzorcza
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Kurs specjalistyczny „Zawód pośrednika na świecie” – worksheets by Joanna Urban, Poznań 2010
zasoby
przedstawiciele
wartość
fundament
odpowiednik czegoś
konsument
standardy zawodowe
polecenie, rekomendacja
wydatki
spis alfabetyczny, panorama firm
służyć
asystować w
istnieć
rozszerzać się
rejestrować
ponosić
zaowocować czymś
dzielić się czymś
utrzymywać
Ad. Listening
http://www.youtube.com/watch?v=hqy6FMojgq0
1. Who is this guy?
2. What five things are going to change about property portals?
3. What are the two most popular property portals in the US?
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