Question

    A house is the most expensive thing most people will 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 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.

1.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.

2.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

3.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.

4.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

Answer

1.C

2.A

3.B

4.C

【解析】

本文是一篇说明文。本文主要介绍了人们想要买房但钱不够时如何向银行抵押贷款。

1.推理判断题。根据第一段第一、二句“A house is the most expensive thing most people will buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank.”可知，房子是大多数人会买的最贵的东西。很少有人有足够的钱自己买房子，所以他们不得不向银行借钱。由此可推知，在美国房子是许多人试图购买的最重要的财产。故选C项。

2.细节理解题。根据第一段第四句“The bank usually lends money or gives a mortgage for twenty-five years.”可知，银行通常贷款或抵押25年。由此可知，如果美国人从银行借钱25年，这意味着借钱的人有25年的时间来还钱。故选A项。

3.词义猜测题。根据第二段倒数第三句“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.”可知，根据你所居住的州，银行可能会要求房价30%的首付款。由此可知，“down payment”与B选项“抵押贷款发放前付给银行的钱”意思相近。故选B项。

4.主旨大意题。纵观全文，尤其根据第一段第三句“Borrowing money from a bank to buy a house is called “take a mortgage ””可知，本文主要介绍了人们想要买房但钱不够时如何向银行抵押贷款。由此可知，C项“如何抵押贷款”概括了本文的核心内容，适合做标题。故选C项。