问题 多项选择题

贷款受理人应要求借款申请人以书面形式提出个人汽车贷款借款申请,对于有共同申请人的,应同时要求共同申请人提交()等申请材料。

A.贷款银行认可的借款人还款能力证明材料,包括收入证明材料和有关资料证明等

B.如借款所购车辆为商用车,还需提供所购车辆可合法用于运营的证明,如车辆挂靠运输

车队的挂靠协议和租赁协议等

C.由汽车经销商出具的购车意向证明(如为“直客式”模式办理,则不需要在申请贷款时提供此项)

D.合法有效的身份证件,包括居民身份证、户口本或其他有效身份证件,借款人已婚的还

需要提供配偶的身份证材料

E.合法有效的购车合同

答案

参考答案:A, B, C, D

解析:

除了选项A、B、C、D外,在个人汽车贷款中,贷款受理人还应要求共同申请人提交以下材料:

(1)以所购车辆抵押以外的方式进行抵押或质押担保的,需提供抵押物或质押权利的权属证明文件和有处分权人(包括财产共有人)同意抵(质)押的书面证明(也可由财产共有人在借款合同、抵押合同上直接签字),以及贷款银行认可部门出具的抵押物估价证明;

(2)涉及保证担保的,需保证人出具同意提供担保的书面承诺,并提供能证明保证人保证能力的证明材料;

(3)购车首付款证明材料;

(4)如借款所购车辆为二手车,还需提供购车意向证明、贷款银行认可的评估机构出具的车辆评估报告书、车辆出卖人的车辆产权证明、所交易车辆的《机动车辆登记证》和车辆年检证明等;

(5)贷款银行要求提供的其他文件、证明和资料。

选择题
阅读理解

阅读理解

     "Hey, Jenna, do you think we'll still be friends when we're eighty-two?" I asked my friend. It was clear

that she was wondering where I had come up with such a question. Losing Jenna would be like losing a

very close sister. We hung out together. We gave each other advice.

     "Of course, we'll still be friends when we're eighty-two." Jenna announced loudly.

     The next year, in the fourth grade, we met Jamie. The three of us soon became close friends. We

played together almost every day. I thought even time couldn't pull us apart, but I was sadly mistaken.

     The three of us started fighting a lot. Before Christmas, we had a really big fight, and Jamie and

Jenna were against me, both saying I was bossy. I felt helpless and lonely. I thought Christmas would

be horrible!

     I was surprised when Jenna came to my house and gave me an awesome Christmas card she had

made for me. I was so sure that she was still disappointed with me.

     "Wow, " I said, breaking the silence as we stood on either side of my front door. "Thanks."

     "Okay…well…I have to go," she said softly.

     " Okay. See you later then…"and I closed the door.

     "Who was that at the door?" my mum asked.

     The card started off with "Merry Christmas", but then it said, "I am so glad we're friends. I am sorry

about what I said when we were fighting. A fight won't stop us from being friends. Besides, we said we

were going to be friends even when we're eight-two."

      I stopped reading and started laughing. I couldn't believe I had forgotten what she said that day in

her back yard. I couldn't believe I had been so selfish in trying to get even and making my friends feel

sorry for me that I had forgotten about real friendship.

1. How would the author and Jenna get along with each other after Christmas?

A. They would be close friends again.

B. They would not speak to each other.

C. They would lose touch with each other.

D. They would go on fighting with each other.

2.The underlined sentence "I was bossy" in the fourth paragraph means "_________".

A. I looked like a boss

B. I acted as a boss

C. I was fond of giving orders

D. I was fond of fighting

3.Which of the following is the right time order according to the passage?

a. Jamie became our friend.

b. I felt lonely and unhappy.

c. Jenna, Jamie and I fought a lot.

d. Jenna brought me a Christmas card.

e. I was sorry for what I did to her.

f. Jenna and I promised to be lifelong friends.

A. f a b c e d      

B. a c f b d e        

C. a b c f e d        

D. f a c b d e

4.The author was delighted when she read the card from Jenna because _________.

A. what Jenna wrote was funny

B. Jenna would be her friend again

C. she was happy about the coming Christmas

D. she was happy to receive a Christmas card