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It has become very common for people to borrow money. Most people have a credit card, a mortgage and often they will buy a car on credit as well. Is this a good idea or is it too risky? Discuss both views and give your own opinion. v.5

It has become very common for people to borrow money. Most people have a credit card, a mortgage and often they will buy a car on credit as well. Is this a good idea or is it too risky? v. 5
These days, going into debt is a normal thing. It is almost impossible to buy a house without the help of a someone, and people hardly give this a second thought. Although, borrowing money can give people some opportunities they would not have otherwise, I believe that, going into credit is very risky. Firstly, on some occasions, borrowing cash can help people improve their circumstances. For instance, if a person is aware of the risk and they do his or her maths carefully, he or she can pay less, monthly, for a mortgage than they would for rent, and enjoy the added advantage of owning a property. Therefore, it is undoubtedly a good choice to do this action. The feeling you have when people live in their own house is matchless and it's worth the risk. On the other hand, in spite of these benefits, lending money can also pose quite a lot of danger. For example, if someone gets a credit on a house at a bad time, he or she can end up stuck paying much more than the property is actually worth. Moreover, if they do not succeed in getting a debt lots of people decide to borrow from entrust one like pawnbrokers. To summarize, people can easily borrow some cash if they actually need, but they do not have to trust other people then banks. Therefore, borrowing fund, having a credit card or a mortgage is risky at some point but may be very useful if people do not have the chance to buy a property. After thorough analysis on this subject, it is a good idea to borrow money in some circumstances, but without a great deal of caution it can pose serious danger.
These days, going into debt is a normal thing. It is almost impossible to
buy
a
house
without the
help
of
a someone
, and
people
hardly give this a second
thought
. Although, borrowing money can give
people
some
opportunities they would not have
otherwise
, I believe that, going into credit is
very
risky.

Firstly
, on
some
occasions, borrowing cash can
help
people
improve
their circumstances.
For instance
, if a person is aware of the
risk and
they do
his or her
maths
carefully
, he or she can pay less, monthly, for a mortgage than they would for rent, and enjoy the
added
advantage of owning a property.
Therefore
, it is
undoubtedly
a
good
choice to do this action. The feeling you have when
people
live
in their
own
house
is matchless and it's worth the
risk
.

On the other hand
,
in spite of
these benefits, lending money can
also
pose quite
a lot of
danger
.
For example
, if someone
gets
a credit on a
house
at a
bad
time, he or she can
end
up stuck paying much more than the property is actually worth.
Moreover
, if they do not succeed in getting a debt lots of
people
decide to borrow from entrust one like pawnbrokers.

To summarize
,
people
can
easily
borrow
some
cash if they actually need,
but
they do not
have to
trust other
people
then banks.
Therefore
, borrowing fund, having a credit card or a mortgage is risky at
some
point
but
may be
very
useful if
people
do not have the chance to
buy
a property. After thorough analysis on this subject, it is a
good
idea
to borrow money in
some
circumstances,
but
without a great deal of caution it can pose serious
danger
.
8.5Linking words, meeting the goal of 7 or more
8.5Repeated words, meeting the goal of 3 or fewer
8.5Mistakes

IELTS essay It has become very common for people to borrow money. Most people have a credit card, a mortgage and often they will buy a car on credit as well. Is this a good idea or is it too risky? v. 5

Essay
  American English
4 paragraphs
289 words
8.5
Overall Band Score
Coherence and Cohesion: 8.5
  • Structure your answers in logical paragraphs
  • ?
    One main idea per paragraph
  • Include an introduction and conclusion
  • Support main points with an explanation and then an example
  • Use cohesive linking words accurately and appropriately
  • Vary your linking phrases using synonyms
Lexical Resource: 8.5
  • Try to vary your vocabulary using accurate synonyms
  • Use less common question specific words that accurately convey meaning
  • Check your work for spelling and word formation mistakes
Grammatical Range: 8.5
  • Use a variety of complex and simple sentences
  • Check your writing for errors
Task Achievement: 8.5
  • Answer all parts of the question
  • ?
    Present relevant ideas
  • Fully explain these ideas
  • Support ideas with relevant, specific examples
Labels Descriptions
  • ?
    Currently is not available
  • Meet the criteria
  • Doesn't meet the criteria
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