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 （典当）. ” The bank usually lends money or gives a mortgae 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.www.for68.com
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.
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
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. 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.
5. 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
房子是大大都人即将收购的最名贵的物品. 很稀有人自个有满足的钱来购房，因而我们不得不从银行告贷. 从银行借钱购房被称为“作典当” . 银行一般的告贷期或典当期可达25年. 其时房价如此之高，致使我们的告贷额高达50 000美元. 换句?担墙?0 000美元的典当款.
怎样获得典当告贷呢? 找到自个喜爱的房子后，到一家银行去. 银行会检查你的金融纪录，然后抉择你是不是是一个风险较小的人. 他们要晓得你的作业类型，薪水收入，以及作业年限. 他们还要晓得你有多少钱. 此外，银行还需求付首付款. 根据所居住的不一样的州，银行可以需求房价的30%作为首付款，然后银即将借给你购房所需的剩下有些金钱. 许多人因攒不到满足的钱付首付款，然后就根柢没有才能购房.
1.[答案精解]C.细节题. 从第一句A house is the most expensive thing most people will ever buy咱们可以得知. 房子是我们所要置办的最重要的工业. A、B两项都说到买房子的不可以能性，与文章中的典当告贷然后购房相悖. D项过于必定化，并不是一切的人都有必要通银行告贷才买得起房子.
2.[答案精解]A.细节题. 从文章第一段The bank Usually lends money or gives a mortgage for twenty-five years得出银行的借期是25年，是一精确的数字，而不是多于、少于或大约25年.
3.[答案精解]B.释义题. 从“down payment” 的后一句话The bank will then lend you the rest of the money to buy the house可以推知“down payment” 是在获得告贷之前自个先付出的那有些金钱，即首付款.
4.[答案精解]D.细节题. 题干问询的是银行查询的内容，会集在文章第二段，可以用比照打扫的办法得出答案. A、B、C三项文章都有提及，剩下的一项即为正确答案.
5.[答案精解]C.主旨题. 文章第一段由购房打开，引出了在其时房价高的局势下，我们购房所选用的方法——典当告贷. 并于第二段打开阐明如何进行典当告贷. 故其主旨在于阐明如何典当告贷. 所以文章标题可所以“如何获得典当告贷” . D项如何购房的标题太大了. 超出了文章所掩盖的规模.