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题目内容
（山东第一医科大学英语（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 ”. 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 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.
（10分）
(1)What does a house mean in the United States?（2分）
AIt is a dream which many people can hardly realize.
BIt is so expensive that many people cannot really buy them.
CIt is the most important property that many people try to buy.
DIt doesn.t belong to people if they can.t borrow money from the bank.
正确答案C您的答案是 C回答正确展开
(2)If American people borrow money from the bank for 25 years, this means that the person who borrows _________．（2分）
Ahas 25 years to pay back the money
Bhas more than 25 years to pay back the money
Chas less than 25 years to pay back the money
Dhas about 25 years to pay back the money
正确答案A您的答案是 A回答正确展开
(3)What does“down payment” refer to in the passage?（2分）
AMoney borrowed from a bank as a mortgage.
BMoney paid to a bank before the mortgages is given.
CInterest received by a person who borrows money as the mortgages.
DInterest charged by a bank on a mortgage.
正确答案B您的答案是 B回答正确展开
(4)Which is not one of the things researched by a bank?（2分）
AHow much money the borrower owns.
BWhat salary the borrower makes.
CWhat kind of job the borrower has.
DWhat kind of house the borrower lives in.
正确答案D您的答案是 D回答正确展开
(5)The most suitable title for this passage would be _______.（2分）
AHow to Save Money on the House
BHow to Borrow Money from a Bank
CHow to Take a Mortgage
DHow to Buy a House
正确答案C您的答案是 C回答正确
How can you get a mortgage? When you find a house you like, you go to a bank. The bank will research you financial 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.
（10分）
(1)What does a house mean in the United States?（2分）
AIt is a dream which many people can hardly realize.
BIt is so expensive that many people cannot really buy them.
CIt is the most important property that many people try to buy.
DIt doesn.t belong to people if they can.t borrow money from the bank.
正确答案C您的答案是 C回答正确展开
(2)If American people borrow money from the bank for 25 years, this means that the person who borrows _________．（2分）
Ahas 25 years to pay back the money
Bhas more than 25 years to pay back the money
Chas less than 25 years to pay back the money
Dhas about 25 years to pay back the money
正确答案A您的答案是 A回答正确展开
(3)What does“down payment” refer to in the passage?（2分）
AMoney borrowed from a bank as a mortgage.
BMoney paid to a bank before the mortgages is given.
CInterest received by a person who borrows money as the mortgages.
DInterest charged by a bank on a mortgage.
正确答案B您的答案是 B回答正确展开
(4)Which is not one of the things researched by a bank?（2分）
AHow much money the borrower owns.
BWhat salary the borrower makes.
CWhat kind of job the borrower has.
DWhat kind of house the borrower lives in.
正确答案D您的答案是 D回答正确展开
(5)The most suitable title for this passage would be _______.（2分）
AHow to Save Money on the House
BHow to Borrow Money from a Bank
CHow to Take a Mortgage
DHow to Buy a House
正确答案C您的答案是 C回答正确
参考答案