Shopping, architecture, and money

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Across
  1. 4. money returned for returned goods
  2. 6. building material
  3. 9. a loan from the bank
  4. 10. what makes cities and houses work
  5. 13. things that are sold
  6. 14. part of a house
  7. 15. part of a city or town
  8. 17. payment made from employer to employee
  9. 18. smth that is sold for more than it costs
  10. 19. a business or person who sells goods
  11. 21. type of house
Down
  1. 1. a reduction from the usual cost of goods
  2. 2. good value for money
  3. 3. people living in a building
  4. 5. a payment made for something
  5. 7. a person who takes the money in a shop
  6. 8. looking at things in shops without buying
  7. 11. who loves shopping often, almost an addiction
  8. 12. a person who buys goods
  9. 16. taking stuff from a shop without paying
  10. 20. money owed for good or services