Directions： This task is the same as Task 1. The 5 questions or unfinished statements are numbered 41 through 45.

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.

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.

41. 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.

42. 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

43. 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.

44. 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.

45. 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最昂贵的物品。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。