(一)
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
【答案解析】
41.【答案精解】C。细节题。从第一句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最重要的财产。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项过于绝对化，并不是所有的人都必须通银行贷款才买得起房子。
42.【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，是一准确的数字，而不是多于、少于或大约25年。
43.【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。
44.【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。
45.【答案精解】C。主旨题。文章第一段由购房展开，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。
(二)
Broadband technology is seen as the key to the new digital economy.
In this rapidly changing world, media and technology information Can be sent via phone calls and downloads like music, graphics, business information or films.
The simpler the information, the smaller the package and the narrower the bandwidth needed to deliver it.
Broadband is used for high speed Internet connections at a fixed monthly rate. It turns an exciting telephone line into a high speed digital line capable of carrying data up to 40 times conventional modem speeds.
Any download is available at the click of a mouse-there is no dial-up as there is with standard Internet Service Providers.
For home owners and families there are many advantages. One of the most important is simultaneous (同时的)access to both telephone lines and the Internet. No queses and no delay.
For businesses, broadband can impove customer relations and provide direct access to corporate e-malls and databases. Entire operations can go online.
1. The function that broadband technology has on the new digital economy is ________.
A) further
B) critical
C) costly
D) global
2. How much does a user pay if he has broadband technology installed?
A) It depends On the length of time.
B) It depends on the times of dial-up.
C) He pays at a fixed monthly rate.
D) He pays a lot of money.
3. Compared with the modem speed the broadband technology can transmit data ________.
A) at up to forty times of ordinary speed
B) much more faster
C) at a high speed
D) within a second
4. Who can take advantage of the broadband technology according to the passage?
A) Family members.
B) College students.
C) Both home owners and businessmen.
D) Only businessmen and their partners.
5. With the broadband technology companies can have all their operations done
A) during the work days.
B) during the whole week
C) online
D) offline
【答案解析】
1.【答案精解】B。推理题。从文中Broadband technology is seen as the key to the new digital economy.宽带技术被看作新数字经济的关键所在。可推断出宽带技术在新数字经济中发挥了至关重要的作用。
2.【答案精解】C。细节题。从文章第三段句首Broadband is used for high speed Internet connections at a fixed monthly rate可以得出，使用者每月所付宽带费是固定的，即at a fixed monthly rate。
3.【答案精解】A。细节题。从文章中…capable of carrying data up to 40 times conventional modem speeds得知新的传播方式是通常的四十倍。
4.【答案精解】C。推理题。文章倒数第二段介绍了宽带对家庭的好处，而文章倒数第一段介绍了宽带对商务的好处，从而可以推出宽带对家庭用户和商务用户都有利。
5.【答案精解】C。细节题。从文章最后一句Entire operations Can go online“整个操作都可在网上进行”一句即可得出答案。
