[单选题]BA house is the most expensive thing most people will ever buy. V

1.[单选题]BA 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 mortgage for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $50000. In other words, they will have a $ 50000 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.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.

2.[单选题]BA 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 mortgage for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $50000. In other words, they will have a $ 50000 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.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.

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.

47.What does“down payment”refer to in the passage?

选项： 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

">3.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 mortgage 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.

47.What does“down payment”refer to in the passage?

选项： 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

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.

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

borrows

选项： 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

">4.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 mortgage 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.

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

borrows

选项： 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

5.[单选题]共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD(光盘)or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank(猪形储蓄罐), one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells you A the amount of money you have in the bank. B the current rates of interest. C the current rates of exchange. D the best way to save your money.

6. If you want to buy an expensive thing and you don't have enough money, what will you do?