问题 单项选择题

根据以下资料,回答24~33题:
张先生今年40岁,妻35岁,单薪家庭,有一小孩10岁,现在住的房子价值40万元,无贷款。张先生有10万元存款,计划换房总价100万元,但是换房的结果,将花光这笔存款,并且以又背上50万元的负债,想要60岁退休的梦想可能不易实现。假设张先生家庭年收入10万,年支出6万元,退休后年支出4万元,房贷利率4%。目前的支出不包括小孩上大学时的额外开销。工作期的实质报酬率8%,退休后的实质报酬率按5%计算,退休后生活按20年计算。

借款人在申请住房消费信贷时,银行一般不会给予全额贷款,会要求借款人芝付房屋总价款的( )。

A.20%~30%

B.30%~40%

C.40%~50%

D.50%~60%

答案

参考答案:A

阅读理解

More than three years after moving from Australia to this remote part of England, we are still learning how things are done here.

Not too long after we arrived and unpacked, we were invited for “a drink on Sunday morning” by a retired couple nearby. We got there about noon, to find the living-room crowded — lots of chat and discussions, and in all a very jolly occasion.

Trouble was, there was no food — no self-respecting Australian would regard a tray of crisps as food. In Sydney, when you are invited for a drink any time after midday on a Sunday, you know you will be fed as well as watered and you plan accordingly. Meaning the hardworked little woman makes no plans to cook lunch because you are eating out.

By one-fifteen my stomach was sending up “please explain” to me. Even the crisps had gone. There was nothing we could do except wait, and wonder if the hostess was going to perform some magic and feed us fashionably late. Then, as quickly as if word had spread that there was free beer at the local pub, the room emptied. By one-forty-five there were only a few guests left, so we decided to go home. Tinned soup for lunch that day because the little woman was not really interested in real cooking for us.

A few weeks ago we were invited out for “supper” and the hostess suggested 8:15. Ah, we thought greedily, “this is going to be the real thing.”

We dressed with some care — I putting on a dark suit — and arrived on time. My wife looked pretty good, I thought — a little black dress and so on. But when we walked in I had a terrible feeling we had got the night wrong because the hostess was dressed in a daytime kind of way and the husband was in jeans and an open-neck shirt. But no, we were greeted and shown into the sitting-room.

After a drink I looked around and saw that this was indeed a superior cottage because it had a (more or less) separate dining-room. But there were no signs of a table-setting. Not again! I thought. Were we meant to eat before we came? I decided that in future my wife and I would always carry a chocolate bar. About 9:28 our hostess went out of the room, saying something about food. Ten minutes later she returned and asked us to follow. We were led out to the kitchen. There on the table were country style plates and a huge bowl of soup, rough bread and all the makings of a simple meal. And that is what it was. In other words we had not read the signals right when we were invited for “supper”. If they want you to come to dinner, they say so, and you know that means dark suits and so on. If they mean supper, they say it, and you get fed in the kitchen.

1.When the author and his wife were invited out for “a drink on Sunday morning”, they thought _________.

A. they would be the only people there

B. they would be given lunch as well

C. they would be taken to a restaurant for lunch

D. they would be asked to take some food with them

2.The “party” had been going on for about an hour and three quarters when _________.

A. the hostess decided to feed her guests

B. everyone had tinned soup for lunch

C. most of the guests went to lunch at the pub

D. the author realized he would go home hungry

3.When invited out for “supper” a few weeks later, the writer _________.

A. expected to be served a proper dinner

B. arrived on the wrong evening

C. interpreted the invitation correctly this time

D. realized there was no dining-room in the cottage

4.As the evening wore on, the writer became aware that _________.

A. no one used their dining-rooms in the countryside

B. he should have had a meal before going out

C. “supper” meant a simple, informal meal

D. he should, in future, eat only chocolate in the evening

单项选择题