Đề thi TOEIC rút gọn ngày 18/02/2026

First-time home buyers may feel overwhelmed by the process of applying for a mortgage. However, the process of _____(1) money to buy a house is not very complicated.

First, you will have to fill out a form giving information about your financial situation. You need to show that you have a good income. It is also important not to have a lot of _____(2)

If you already owe a lot of money, the bank may hesitate to lend you more. Then, you will have to make a _____(3), usually about 10 percent of the total price of the house.

The bank lends you the rest of the money for the purchase.

Marge Bledsoe 11:05 A.M.
I just remembered I have a client who'd like to see the house that we've listed on 78 Crescent Lane. Unfortunately, I'm fully booked today. Is anyone free this afternoon?

Evan Clark 11:08 A.M.
I can bring the client to the house at 2:30. I have another showing nearby and can go there afterward.

Julia Anderson 11:14 A.M.
Marge, are you referring to Eva Teal? She called a short while ago and said she was looking for a two-bedroom place downtown.

Marge Bledsoe 11:15 A.M.
Yes, that's her. I think Evan can handle it. I need your help with another client, Julia.

Julia Anderson 11:45 A.M.
Sure, just let me know later.

Evan Clark 11:17 A.M.
OK. Why don't I show her the other home nearby as well? It's just a few blocks away from there and also has two bedrooms.

Marge Bledsoe 11:18 A.M.
Good call. Will find out if she's interested in seeing it. I'll give her your mobile number in case there's a problem. She can probably meet you there first before seeing the Crescent Lane house.

Rollins University is looking for an energetic, personable individual to teach a marketing class for students in the honors program during the fall semester. The class, Advanced International Marketing 402, will be held on Tuesdays and Thursdays from 4-6 p.m. This is a part-time position. Rollins University is one of the top business schools in the world and has campuses in Los Angeles, Paris, Tokyo, and Geneva. This position will be at the university's campus in Tokyo, Japan, so the successful applicant will be expected to relocate if necessary. The successful candidate will have some teaching experience (at least 1-2 years in an academic setting) and have worked extensively in the marketing industry. Additionally, individuals without a PhD need not apply. The incumbent will be required to work during regular class hours, and spend two to three hours preparing for each class. A private office will be provided. Since this is a short-term contract, compensation is negotiable and will be determined based on the candidate's work experience and professional history. For more information, or to request an application, contact James Stewart at 1-541-265-6987.

April 12

Dear Business Owner,

The Supply Closet, Inc., is a new office supply store in your neighborhood. We opened last month right across the street from the post office. We are your local source for quality office supplies including all office stationery, packing materials, folders, pens, note pads and more. We provide you with the everyday items you need to keep your business functioning smoothly. In order to introduce ourselves to you we are enclosing a coupon for 20 percent off your entire purchase during your first visit to the Supply Closet. Please visit us soon.

Sincerely yours,

Martha and Bill Heywood
Owners

Coupon expires June 30.

Memo

To: Gisela Freeman
From: James Riley
Re: New supply store

Please see the attached letter from the Supply Closet, Inc. I think we should try them out. I know we maintain an account with the Riverdale Supply Company but I am not completely satisfied with them as a source for supplies. I would like to find a supplier with more diverse merchandise. I'd like you to visit the Supply Closet sometime this week and purchase some stationery. We need to do a big mailing at the beginning of May so we'll need some manila envelopes and letter paper. You can use the coupon that came with the letter. Look at the items they have for sale and see how it compares with the Riverdale Supply Company. If it looks like they're a better source for supplies we can start ordering from them regularly. Thank you.