问题 单项选择题

徐先生5年前购买的自用住房,当年价值80万元,贷款50万元,20年付清,房贷利率为6%。徐太太4年前以20年按揭的方式贷款40万元购买了当时价值65万元的房子用于出租,房贷利率为6%。假设房贷按年本利平均摊还,当前家庭以成本计的净值为______万元。(答案取最接近值。)

A.119
B.155
C.162
D.158

答案

参考答案:A

解析: g END,20n,6i,50PV,0FV,PMT=-4.3592万元;5 f AMORT,RCL PV,得到自用住房贷款余额为42.3380万元。g END,20n,6i,40PV,0FV,PMT=-3.4847万元;4 f AMORT,RCL PV,得到出租用住房贷款余额为35.2431万元。以成本计的资产为197万元,减去房贷余额42.3380+35.2431=77.5811万元,得到净值为197-77.5811=119.4189万元。

完形填空

Recently I was invited to a friend’s house for supper—and had a meal I have never had before.

All the friends invited were a little surprised. It’s not that Ben is unsociable, or a bad cook, but it’s just that he never 21more than he has to. So how come he was inviting us round for a meal? Had he bought something 22for his friends? He greeted us at the door and showed us into his dining room where a 23_ -table was waiting for us.“Nothing but the best for my friends!”said Ben. We all sat down and looked 24 at each other—what was he up to?

Ben returned with four bowls of hot soup.“It’s a mixture of carrots, potatoes and tomatoes,”said Ben. The next 25was also a little strange in that we didn’t quite know what it was again. It’s just another mixture of vegetable.

As we ate we chatted and finally the 26 turned back to what we were eating.“Was there a recipe(食谱) for this,”asked Marina,“or did you 27 it up?”Ben put his fork down.“What I cooked depended on what I could find.”Marina was surprised.“But you can find anything in supermarkets these days.”“But there’s 28 choice in what you can find outside supermarkets,”he replied.

Seeing that we had all finished the food, Ben decided to tell the truth. He had read recently that supermarkets usually throw away 5 percent of their food every day. So Ben decided to look inside his local supermarket bins. There he found food that was slightly out of __29, boxes of throw-away vegetables and fruit.

So Ben had successfully provided a decent(体面的) meal for his friends, and made us aware of the fact that there are many poor people who need the food, but the amount of food thrown away is enough to 30 millions of people.

21.A.takes  B. spends   C. uses D. does

22.A.cheap  B. special  C. practical    D. usual

23.A.new    B. separate C. booked   D. laid

24.A.nervously  B. carefully    C. sadly    D. happily

25.A.course B. food C. soup D. salad

26.A.dinner B. idea C. food D. subject

27.A.pick   B. look C. make D. take

28.A.less   B. more C. some D. any

29.A.order  B. place    C. season   D. date

30.A.enrich B. please   C. affect   D. feed

单项选择题