Directions: This task is the same as Task 1. The 5 questions or unfinished statements are numbered 41 through 45.

A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called "take a mortgage (抵押)."The bank usually lends money or gives a mortgae for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50 000. In other words, they will have a $ 50 000 mortgage.

How can you get a mortgage? When you find a house you like, you go to a bank. The bank will research you financial (金融的) history and decide if. they think you are a good risk. They will want to know what kind of job you have, what kind of salary you make, and how long you have had the job. They will also want to know how much money you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

41. What does a house mean in the United States?

A) It is a dream which many people can hardly realize.

B) It is so expensive that many people cannot really buy them.

C) It is the most important property that many people try to buy.

D) It doesn't belong to people if they can't borrow money from the bank.

42. If American people borrow money from the bank for 25 years, this means that the person who borrows

A) has twenty-five years to pay back the money

B) has more than twenty-five years to pay back the money

C) has less than twenty-five years to pay back the money

D) has about twenty-five years to pay back the money

43. What does"down payment"refer to in the passage?

A) Money borrowed from a bank as a mortgage.

B) Money paid to a bank before the mortgages is given.

C) Interest received by a person who borrows money as the mortgages.

D) Interest charged by a bank on a mortgage.

44. Which is not one of the things researched by a bank?

A) How much money the borrower owns.

B) What salary the borrower makes.

C) What kind of job the borrower has.

D) What kind of house the borrower lives in.

45. The most suitable title for this passage would be _______.

A) How to Save Money on the House

B) How to Borrow Money from a Bank

C) How to Take a Mortgage

D) How to Buy a House

參考譯文

房子是大多數(shù)人將要購(gòu)買的最昂貴的物品。很少有人自己有足夠的錢來(lái)購(gòu)房，因而人們不得不從銀行貸款。從銀行借錢購(gòu)房被稱為"作抵押"。銀行通常的借款期或抵押期可達(dá)25年。當(dāng)前房?jī)r(jià)如此之高，以至人們的借款額高達(dá)50 000美元。換句話說(shuō)，他們將有50 000美元的抵押款。

怎樣獲得抵押貸款呢?找到自己喜歡的房子后，到一家銀行去。銀行會(huì)審查你的金融紀(jì)錄，而后決定你是否是一個(gè)風(fēng)險(xiǎn)較小的人。他們要了解你的工作類型，薪水收入，以及工作年限。他們還要了解你有多少錢。此外，銀行還要求付首付款。根據(jù)所居住的不同的州，銀行可能要求房?jī)r(jià)的30%作為首付款，而后銀行將借給你購(gòu)房所需的剩余部分款項(xiàng)。許多人因攢不到足夠的錢付首付款，從而就根本沒有能力購(gòu)房。

答案及精解

41.【答案精解】C。細(xì)節(jié)題。從第一句A house is the most expensive thing most people will ever buy我們可以得知.房子是人們所要購(gòu)置的最重要的財(cái)產(chǎn)。A、B兩項(xiàng)都提到買房子的不可能性，與文章中的抵押貸款從而購(gòu)房相悖。D項(xiàng)過于絕對(duì)化，并不是所有的人都必須通銀行貸款才買得起房子。

42.【答案精解】A。細(xì)節(jié)題。從文章第一段The bank Usually lends money or gives a mortgage for twenty-five years得出銀行的借期是25年，是一準(zhǔn)確的數(shù)字，而不是多于、少于或大約25年。

43.【答案精解】B。釋義題。從"down payment"的后一句話The bank will then lend you the rest of the money to buy the house可以推知"down payment"是在取得貸款之前自己先支付的那部分款項(xiàng)，即首付款。

44.【答案精解】D。細(xì)節(jié)題。題干詢問的是銀行查詢的內(nèi)容，集中在文章第二段，可以用對(duì)比排除的方法得出答案。A、B、C三項(xiàng)文章都有提及，剩下的一項(xiàng)即為正確答案。

45.【答案精解】C。主旨題。文章第一段由購(gòu)房展開，引出了在當(dāng)前房?jī)r(jià)高的形勢(shì)下，人們購(gòu)房所采用的方式--抵押貸款。并于第二段展開說(shuō)明如何進(jìn)行抵押貸款。故其主旨在于說(shuō)明如何抵押貸款。所以文章標(biāo)題可能是"如何獲得抵押貸款"。D項(xiàng)如何購(gòu)房的標(biāo)題太大了.超出了文章所覆蓋的范圍。

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