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 (抵押).”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 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. 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

参考译文

房子是大多数人将要购买的昂贵的物品。很少有人自己有足够的钱来购房，因而人们不得不从银行贷款。从银行借钱购房被称为“作抵押”。银行通常的借款期或抵押期可达25年。当前房价如此之高，以至人们的借款额高达50 000美元。换句话说，他们将有50 000美元的抵押款。

怎样获得抵押贷款呢?找到自己喜欢的房子后，到一家银行去。银行会审查你的金融纪录，而后决定你是否是一个风险较小的人。他们要了解你的工作类型，薪水收入，以及工作年限。他们还要了解你有多少钱。此外，银行还要求付首付款。根据所居住的不同的州，银行可能要求房价的30%作为首付款，而后银行将借给你购房所需的剩余部分款项。许多人因攒不到足够的钱付首付款，从而就根本没有能力购房。

答案及精解

1.【答案精解】C。细节题。从句A house is the most expensive thing most people will ever buy我们可以得知.房子是人们所要购置的重要的财产。A、B两项都提到买房子的不可能性，与文章中的抵押贷款从而购房相悖。D项过于化，并不是所有的人都必须通银行贷款才买得起房子。

2.【答案精解】A。细节题。从文章段The bank Usually lends money or gives a mortgage for twenty-five years得出银行的借期是25年，是一准确的数字，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”是在取得贷款之前自己先支付的那部分款项，即首付款。

4.【答案精解】D。细节题。题干询问的是银行查询的内容，集中在文章第二段，可以用对比排除的方法得出答案。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。文章段由购房展开，引出了在当前房价高的形势下，人们购房所采用的方式——抵押贷款。并于第二段展开说明如何进行抵押贷款。故其主旨在于说明如何抵押贷款。所以文章标题可能是“如何获得抵押贷款”。D项如何购房的标题太大了.超出了文章所覆盖的范围。

相关推荐：2016年成人学位英语考试高频词组资料汇总历年真题高频词汇资料

热点关注：2016年成人学位英语考试报名

学位英语培训班：权威解密新教材90%考点，一步直达成人英语三级!