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。
答案及精解
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。
Directions: This task is the same as Task 1. The 5 questions or unfinished statements are numbered 41 through 45.
Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums(保险费).
Whole life can be a solid foundation. Upon this foundation you can build a long-term financial plan, because it guarantees lifetime protection for your family or business.
Whole life insurance provides basic insurance protection, plus Mortgage protection, Estate preservation, Retirement funding, Charitable giving, Business needs...
A life insurance agent will help you determine an amount of insurance needed to protect your family or business in the event of your death.
Generally after the first year, the policy begins to increase cash value. The amount of cash value in your policy usually increases every year. This money can be used to help purchase a home, fund a child's education, add to retirement income, or for any other purpose. You may also choose to leave it in the policy and allow it to grow.
A whole life policy can earn dividends. Dividends are determined by the company' s board of directors each year and are. not guaranteed. When a dividend is payable, you may choose to take it in cash, use it to buy more insurance or to pay or reduce your premiums.
When you die, the company will pay your beneficiaries the death benefit, usually the face amount of the policy plus any dividend. This money is generally received by the beneficiaries free from income tax.
41. What is whole life insurance?
A) It's permanent insurance protection from the day you were born until you die.
B) It's permanent insurance protection that protects you for your whole life, from the day you buy it until you die.
C) It's insurance protection for your whole family members.
D) It's income protection insurance.
42. What can whole life insurance do for you?
A) It only provides basic insurance protection.
B) It provides Mortgage protection and Estate preservation.
C) It offers Retirement funding, Charitable giving, Business needs.
D) It not only offers basic insurance protection, but also provides Mortgage protection, Estate preservation, Retirement funding, Charitable giving and Business needs.
43. According to the passage, who will help you determine an amount of insurance needed?
A) A life insurance agent.
B) Nobody except yourself.
C) Your family members.
D) Your lawyer.
44. The word“policy”in the fifth paragraph probably means ________.
A) 政策
B) 保险
C)彩票
D) 策略，方法
45. When you die, the death benefits of your life insurance will ________.
A) be lost
B) be paid to your beneficiaries
C) be possessed by the insurance company
D) will be given to the government
参考译文
终身人寿保险是一种永久保险保护，只要你支付保险费，它就可以保护你的整个一生，从你购买保险的那天开始直至你的死亡。
终身人寿保险是一个稳固的基础。因为它向你的家庭和企业提供毕生的保护，因此，你可以在这个基础之上建立长期的财政计划。
终身人寿保险提供基本的保险保护，外加：抵押保护、房产维护、退休基金、福利捐赠、企业需求等。
人寿保险代理将会协助你确定，在你死亡以后，为了保护你的家人或者企业所需的保险金额。
通常在第一年之后，保险单就会开始增加现金价值。你的保单中的现金数量通常每年都会增长。这些资金可以用来购买房屋，投资孩子的教育，增加到退休收入中或者用于其他用途。你也可以让它存在保险单中继续增值。
终身人寿保险可以获得红利。红利的分配是由每年召开的公司董事会决定的，它并不是有保障的。如果红利应该得到偿付，那么你可以选择拿现金用它来购买更多的保险或者支付和减少你的保险费的方式把它要回。
如果你不幸死亡，我们公司会向你的受益人支付死亡抚恤金，它通常是保险面额外加任何可能的红利。这些资金通常是由受益人享用的，它们都不需要付所得税。
答案及精解
41.【答案精解】B。细节题。从原文第一段第一句话Whole life is permanent insurance protection that protects you for your whole life，from the day you purchase the policy until you die，可以得知，终身人寿保险期限是从你购买保险的那天开始直至死亡之日的。
42.【答案精解】D。细节题。第三段开始连着的两个段落，说明了终身人寿保险的作用，包括提供basic insurance protection，Mortgage protection，Estate preservation，Retirement funding，Charitable giving，Business needs等六项。
43.【答案精解】A。细节题。从第五段A life insurance agent will help you determine an amount of insurance needed...可以找到答案。
44.【答案精解】B。释义题。本文是讲保险方面的内容，通过上下文提示，可以判断policy在这里的意思是“保险单”。
45.【答案精解】B。细节题。最后一段When you die，the company will pay your beneficiaries the death benefit，说明在投保人死后，保险公司把死亡抚恤金交给受益人。
