The number of the people who _______ cars _______ increasing.

A．owns; are

B．owns; is

C．own; is

D．own; are

下列个人住房贷款特征中说法不正确的是( )。

A．个人住房贷款风险因素类似
B．个人住房贷款金额、期限相等
C．个人住房贷款风险具有系统性
D．个人住房贷款是以抵押为前提建立的借贷关系