个人住房贷款应根据（）等因素合理确定贷款期限。
A．借款人征信记录
B．借款人年龄
C．房屋使用年限
D．房屋国有土地使用权期限
参考答案：B, C, D
The family _____ on time, but their car had a flat tyre on the halfway.
A．would arrive
B．could arrive
C．must have arrived
D．would have arrived
中国社会保障制度的重建阶段（）
A.1949～1956
B.1966～1976
C.1957～1965
D.1976～1985
