问题 单项选择题

张某为投资房地产与建设银行签订借款抵押担保合同,以一幢价值为50万元的房屋作抵押,借款40万元,并办理抵押登记;后张某从梁某处借款20万元,仍以该房屋抵押担保,但未办理登记。张某又以价值25万元的自有汽车作抵押,向林某借款30万元,写厂借条和抵押担保书;后张某从蔺某处借款20万元,仍以汽车作抵押,签订了借款抵押协议书。另外,张某还向王某借款30万元,约定以张某购买的商品房为抵押。张某利用借得的款项购买了价值170万元的商品房一套并办理了财产保险,并为王某设立了抵押权。但是由于国家调控原因,张某的房屋价格不升反降,在各项借款到期后,张某均无力还款。某日,张某因醉酒引起火灾,商品房毁损严重。请结合上述案情,回答下列第以下问题。

关于张某与林某、蔺某之间的借款抵押合同效力,表述正确的是:( )。

A.张某与林某的抵押合同有效,与蔺某的抵押合同无效

B.张某与林某的抵押合同有效,与蔺某的抵押合同也有效

C.张某与林某的抵押合同无效,与蔺某的抵押合同有效

D.张某与林某的抵押合同无效,与蔺某的抵押合同也无效

答案

参考答案:B

解析:[考点] 抵押合同. 《担保法》第35条的规定,在同—。抵押物上可以有多个抵押权存在,而且,根据《担保法》43条规定,当事人未办理抵押物登记的,不得对抗第三人,故未办理登记的抵押物仍可以向第三人抵押。另外,《物权法》第15条规定,当事人之间订立有关设立、变更、转让和消灭不动产物权的合同,除法律另有规定或者合同另有约定外,自合同成立时生效;未办理物权登记的,不影响合同效力。

阅读理解

The adderis the only poisonous snake nativeto Britain. Adders have the most highly developed poison injecting mechanism of all snakes, but they are not aggressive animals. Adders will only use their poison as a last means of defence, usually if caught or trodden on. No one has died from adder bites in Britain for over 20 years. By far the most common smake in Britain is the adder. In Scotland, in fact, there are no other snakes at all. The adder is also the only British sanke with a poisonous bite. It can be found almost anywhere, but prefers sunny hillsides and rough open country, including high gournd. In Ireland there are no snakes at all.

Most people regard snake bites as a fatal misfortune, but not all bites are serious, and very few are fatal . Sometimes attempts at emergency treatment turn out to be more dangerous than the bite itself, with amateurs heroically, but mistakenly, trying do-it-yourself surgery and other unnecessary measures.

All snakes have small teeth, so it follows tha tall snakes can bite, but only te bite of the adder presents any danger. British snakes are shy animals and are far more frightened of you than you could possibly be of them. The adder will attack only if it feels threatened, as can happen if you take it by surprise and step on it accidentally, or if you try to catch it or pick it up, which it dislikes intensely. If it hears you coming, it will normally get out of the way as quickly as it can, but adders cannot move  very rapidly and may attack before moving if you are very close.

The effect of a bite varies considerably. It depends upon severa things, one of which is the boidy-wight of the person bitten. The bigger the person, the less harmful the bite is likely to be, which is why children suffer far more seriously from snake bites in Britain ,and thought these bites can make some pepe very ill, there are probably just as many cases of bites having little or no effect, as there are of serious illness.

小题1:What does the underlined phrase “ trodden on” probably mean?

A.Found out

B.Heard from

C.Stepped on.

D.Robbed of.小题2:Where are adders to be found?

A.In fertile fields in Scotland.

B.On wild land throughout Britain.

C.In many parts of Britain and Ireland.

D.Everywhere in Britian except Scotland小题3:What should you do if you are with someone who is bitten by an adder?

A.Catch the biting adder at onece.

B.Don’t worry about the bitten person.

C.Don’t try to treat the bite by yourself.

D.Operate on the person as soon as possible.小题4:What’s the best title of the passage?

A.Poisonous Snakes

B.Adders in Britain

C.Take Care oif Sake Bites

D.Protec Endangered Adders

选择题