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听力原文：A house is the most expensive thing most people will ever buy. Very few people ha

听力原文： 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 taking a mortgage. The hank usually lends money or gives a mortgage for 25 years. This means that the person who borrows has 25 years to pay back the money. The bank lends this money with interest, and the borrower makes equal monthly payments to the hank until he has paid the mortgage. 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, sometimes it is necessary to go to a few banks, before applying for a mortgage at once. The bank will investigate your financial history and decide if they think you axe a good risk. They will want to know what kind of job 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.

(30)

A．It means to rent a house for 25 years.

B．It means to buy an old house at a low price.

C．It means to borrow money from a bank to buy a house.

D．It means to borrow money from a friend to buy a house.

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发布时间：2023-02-19

更多“听力原文：A house is the most expensive thing most people will ever buy. Very few people ha”相关的问题

第1题

听力原文：Some banks offer other types of loans repayable by monthly installments, such as

听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.

24. Which of the following loans is not repaid by installments？

25.Which of the following loans would attract a lower rate of interest？

26.How does a borrower "top up" his loan？

27.What is the objective of introduction of the budget account？

(24)

A．Business development loans.

B．House improvement loans.

C．Farm development loans.

D．Overdrafts.

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第2题

听力原文：M: You should have seen the line at the housing office. It took me an hour to mak

e my dormitory deposit for next year. Have you made yours yet？

W: No, I'm not sure I'm going to.

M: There's not much time left. The deadline's May 1. That is just two weeks from now. Are you short of cash.

W: No, I'm Okay.

M: You'd better hurry up if you want a dorm room next September. There aren't enough rooms for every one, and first-year students have priority.

W: Well, I've been thinking about living off campus.

M: Have you any idea how much that would cost？ There is the rent, utilities, and you'd probably need a car.

W: I know it would be more expensive. I think I can handle it though. The dorm is just so noisy that I can't get anything done. Maybe my grades would be better if I had some peace and quiet in a place of my own.

M: You should study in the library the way I do. Think of the money you'd save.

W: I've got to think it over some more. There's still two weeks left in April.

(23)

A．When to move.

B．Where to live the following year.

C．How much time to spend at home.

D．Whose house to visit.

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第3题

听力原文：They will write to their home office to waive their claim.（6)A．They will write to

听力原文：They will write to their home office to waive their claim.

(6)

A．They will write to their home.

B．They will write to their headquarter.

C．They will ask for their rights.

D．They will wait for an officer.

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第4题

听力原文：Banks change their base rates fairly infrequently.（5)A．Banks often change their b

听力原文：Banks change their base rates fairly infrequently.

(5)

A．Banks often change their base rate.

B．Banks seldom change their base rate.

C．Banks never change their base rate.

D．Banks change their base rate at regular intervals.

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第5题

听力原文：M: Do you know some forms of bank advances？W: There are three forms: overdrafts,

听力原文：M: Do you know some forms of bank advances？

W: There are three forms: overdrafts, personal loans and mortgages.

Q: Which of the following is not a form. of bank advances？

(13)

A．Overdrafts.

B．Mortgages.

C．Personal loans.

D．Letter of credit.

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第6题

听力原文：W: What do you think of the objective of monetary policies？M: It is to maintain t

听力原文：W: What do you think of the objective of monetary policies？

M: It is to maintain the stability of currency and thereby promote economic growth.

Q: What is the objective of monetary policies？

(12)

A．Expanding business.

B．Maintaining the stability of currency.

C．Decreasing economic growth.

D．Supervising the banking system.

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第7题

听力原文：The tax return does not show accrued income.（8)A．The tax return is not shown in t

听力原文：The tax return does not show accrued income.

(8)

A．The tax return is not shown in the income.

B．The income is not accurate in taxation.

C．The tax should be returned according to the income.

D．The tax return is not in accordance with the income that should be taxed.

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第8题

听力原文：W: Will my deposit earn any interest？M: Certainly. Interest rate on savings accou

听力原文：W: Will my deposit earn any interest？

M: Certainly. Interest rate on savings accounts at the moment is 3%. If you opened a current account money, you wouldn't earn any interest.

Q: What would the interest rate be if the woman opened a current account？

(14)

A．3%.

B．5%.

C．11%.

D．None.

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第9题

听力原文：M: What will happen if a draft is not presented for payment when due？W: If this i

听力原文：M: What will happen if a draft is not presented for payment when due？

W: If this is the case, all the signatories on the bill will be discharged except the acceptor.

Q: What are the two people mainly talking about？

(18)

A．How to present the bill for payment.

B．The presentation of bills for payment.

C．The solution to the injured drawer.

D．The payment of the cheque.

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第10题

听力原文：W: It is said that there are some check authorization systems currently in use.M:

听力原文：W: It is said that there are some check authorization systems currently in use.

M: But they are cumbersome relative to the computerized credit card validation systems.

Q: What does the man think of the check authorization systems？

(20)

A．They are convenient.

B．They are advanced in technology.

C．They are cumbersome.

D．They are computerized.

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第11题

听力原文：A crossed cheek can not be encashed but can be paid into account.（8)A．Bank will r

听力原文：A crossed cheek can not be encashed but can be paid into account.

(8)

A．Bank will reject the crossed check.

B．It is not advisable to hold a crossed check.

C．You can only have a crossed check paid to your account.

D．A crossed check is not a good check, not illegal though.

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