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Today, home-ownership has reached extrem...

    Today, home-ownership has reached extremely high levels. Modern generations tend to believe there is something wrong with them 1. they rent. However, is high home-ownership really as people imagine2. (stare) at data first, we realize that the most successful, stable, attractive country in the Western world is Switzerland. It has tiny unemployment; wealth; high happiness and mental-health scores. Does it have high home-ownership rates? Absolutely not. In Switzerland, about seven in ten of the population are renters. Yet, with Europe’s 3. (low) home-ownership rate, the nation thrives. Now go to the other end of the misery distribution. Spain has approximately the highest home-ownership rate in Europe at more than 80%. But one-quarter of its population are unemployed.

A likely reason is that high levels of home-ownership mess up the labour market. In a sensibly functioning economy it is easy for people to move around to drop into the vibrant job slots 4. (throw) up by technological change. With a high degree of owner-occupation, everything slows. Folk get stuck. Renters can go to new jobs. In that way they do the economy a favours. 5. Friedman said, the rate of unemployment depends on the flexibility of the housing market.

Next we come to economic breakdown. Most analysts accept that at heart it was the housing market-obsessive pursuit of homes, the engendered mortgage(房贷) lending and an unavoidable house-price crash--- 6. sank the Western world. Germany, say, with its more efficient rental market, had a far smoother ride through trouble.

As for the monetary system, in the past few decades, in the hope of getting untaxed capital gains way above their true labour earnings, many people threw their spare cash into buying larger houses or building extra bedrooms. TV programmes about how to make easy money, beautiful rising house prices, and most importantly, our faulty tax system encouraged that. When 7. some point market broke down, everyone suffered. Our countries ought, instead, to design tax systems that encourage people to invest in productive real activities and in innovation. Renting leaves money free for better purposes. That also points to the role of sensible budgeting over a person’s lifetime. Why should we think that when we die it is necessary 8. (pay) off an entire house

Our children do not deserve it. Let them pay for themselves. We 9. rent-and enjoy our lives with the money saved.

Finally, moderation usually pays off. Our scientific understanding of how economies function is horribly limited. This suggests that the golden rule should be to avoid extremes. A50-50mix of home-ownership and renting, not the 70-30split that is now observed in so many Western nations, 10. (make) sense.

 

1.if 2.Staring 3.lowest 4.thrown 5.As 6.that 7.at 8.to have paid off 9.should 10.makes 【解析】 这是一篇说明文。文章主要介绍了住房拥有率和租房对一个国家的经济稳定有很大的影响,并列举了不同国家的租房情况及人们的生活状况。 1.考查状语从句。句意:现代几代人倾向于认为,如果他们租房,就会有问题。根据句意可知,此处需用if引导条件状语从句。故填if。 2.考查非谓语动词。分析句式可知,设空处所在部分是做句子的状语,因此用所给动词的非谓语形式。逻辑主语we与stare之间是主动关系,用现在分词形式,位于句首,首字母大写。故填Staring。 3.考查形容词。句意:然而,随着欧洲最低的住房拥有率,这个国家蓬勃发展。结合上下文语境可知,此处是要表达欧洲拥有最低的住房拥有率。因此,使用最高级。故填lowest。 4.考查非谓语动词。句意:在一个合理运转的经济中,人们很容易四处流动,进入由技术变革带来的充满活力的工作岗位。分析句式可知,设空处所给动词不做谓语,因此用非谓语形式,逻辑主语people与throw之间是被动关系,用过去分词。故填thrown。 5.考查定语从句。句意:正如弗里德曼说,失业率取决于住房市场的灵活性。这是个定语从句,从句缺少宾语,根据句意可知,用as引导,as“正如”的意思,指代整个主句的内容。故填As。 6.考查强调句。句意:大多数分析人士认为,西方世界的衰落,实质上是由于房地产市场对住房的过度追求、抵押贷款以及不可避免的房价暴跌造成的。分析句式并结合句意可知,本句是使用了强调句的基本句型:it was+被强调部分+that从句。被强调部分为the housing market-obsessive pursuit of homes, the engendered mortgage(房贷) lending and an unavoidable house-price crash。故填that。 7.考查介词。句意:当市场在某一时刻崩溃时,所有人都会遭殃。at some point某时,某种情况下。结合句意,故填at。 8.考查固定结构。句意:为什么我们要认为我们死后必须还清整个房子的贷款呢? it is+形容词+to do是固定句型,it作形式主语,用不定式做真正的主语。根据句意可知,此处是指死时已经还完了,用不定式的完成时。故填to have paid off。 9.考查情态动词。句意:我们应该用省下来的钱来享受生活。根据句意和上文语境可知,此处用should比较合句意。故填should。 10.考查主谓一致。句意:在许多西方国家,住房和租赁的比例是50%对50%,而不是现在的70%对30%,这是合理的。根据句意和分析句式可知,主语是A50-50mix of home-ownership and renting,谓语用三单形式。故填makes。
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