ORGANISING PARAGRAPH

3.1 A.  

topic	Despite this, many countries encourage the growth of homeownership.
example	Ireland and Spain, for example, allow mortgage payers tooffset payments against income tax.
reason	It is widely believed that owning your own home has social as well as economic benefits.
Supporting point1	Compared to renters, homeowners are thought to be morestable members of the community who contribute more tolocal affairs.
Supporting point 2	In addition, neighbourhoods of owner occupiers areconsidered to have less crime and better schools.
Supporting point 3	But above all, ownership encourages saving and allowsfamilies to build wealth.

B 

c. In addition, neighbourhoods of owner occupiers are considered to have less crime and better schools. 

4.1 a  

Topic sentence	All these claims were challenged by the economic crash of 2008, which was in large part caused by defaults on American sub-prime mortgages
Definition	These had been developed to allow higher-risk poorer families to buy their own homes, but contributed to a property price bubble.
Result 1	Even households that had positive equity still felt poorer and reduced their spending.
Result 2	Others were trapped in their houses by negative equity, in other words their houses were worth less than they had paid for them.
Result 3	When this burst, millions of people lost their homes, which for many had contained their savings.
Conclusion	Many economists now argue that there is a maximum level of home ownership that should not be exceeded.

b, c.  

 6 a. 

Topic	It is claimed that increases in rate of home ownership lead to unemployment
Reason	Home ownership appears to make people more reluctant to move to find work
Example	e.g. Spain (high ownership + high unemployment) vs. Switzerland (low ownership + low unemployment).
Argument	Theory still controversial.
Conclusion	Other factors have been proposed, e.g. liquidity of housing markets (how easy to sell houses).

2.1 

1.More connectors

2.No colloquial expressions

3.Question in tittle not adrresed

4.Sentences are too short

5.No reference are given

6.Too much space  given to basic points