问题 多项选择题

下列关于个人住房贷款担保方式的描述错误的有()。

A.抵押物的价值按照抵押物的市场成交价或评估价格确定

B.借款人与保证人之间可以互相提供保证

C.在贷款期间.变更抵押物的,只需重新进行抵押登记,无需与贷款银行重新签订担保合同

D.采用保证担保方式的.保证人为借款人提供的贷款担保为全额一半责任保证

E.贷款担保方式不可变更

答案

参考答案:B, C, D, E

解析:B项错误,个人住房贷款如采用保证担保方式,贷款人与保证人之间不得相互保证;C项错误,在贷款期间,抵押物变更的,贷款人应与银行重新签订相应的担保合同;D项错误,个人住房贷款如采用保证担保方式,保证人应提供全额连带责任保证;E项错误,经贷款银行同意.借款人可根据实际情况变更贷款担保方式。

解答题
阅读理解

You’re rushing to work and a man ahead of you collapses on the sidewalk. Do you stop to help? In a study of by-standers, it was found that some people avert their gaze and keep on  walking rather than stop and get involved.

“There is a tendency to decide that no action is needed.” says a psychologist. “The first thoughts that pop into your mind often keep you from offering help. In order to take action, you have to work against them.” Here are some common thoughts that might prevent you from helping.

● Why should I be the one? I’m probably not the most competent person in this crowd. You might think someone older or with more medical knowledge should offer assistance.

● What if he doesn’t really need my help? The fear of embarrassment is powerful; no one wants to risk looking foolish in front of others.

● No one else looks concerned- this must not be a problem. We can follow the people around us, but most people tend to hold back their emotions in public.

“If you spot trouble and find yourself explaining inaction, force yourself to stop and evaluate the situation instead of walking on,” says the psychologist. “Then retry to involve other people; you don’t have to take on the entire responsibility of being helpful. Sometimes it’s just a matter of turning to the person next to you and saying, ‘It looks like we should do something.’ Or asking someone if an ambulance has been called and, if not, to call for one. Once you take action, most people will follow you.”

小题1:Which is NOT the common thought that stops you from helping others?

A.I’m not the very person capable of setting the problenu.

B.It looks like we should do something.

C.It must not be a problem as no one else is concerned.

D.He doesn’t really need my help.小题2:According to a study of by-standers, what will some people do when a man ahead falls down on the sidewalk?

A.They will call for help and then walk away.

B.They will stop and offer help.

C.They will turn away their eyes and go on walking.

D.They will laugh at him.小题3:We learn from the last paragraph that if we spot ttouble,           

A.we sbould call the ambulance as soon as we can.

B.we should take on the whole responsibility and do something alone.

C.we should stop and evaluate the situation and try to make other people follow.

D.we should turn to other people and ask them to take on the responsibility小题4:In order to offer others your timely help, you need to        

A.ask others for help and call the police

B.get along well with the passers-by who spot the trouble

C.go directly to the police station

D.work against the rirst thoughts that prevent you offering help小题5:The main purpose of the text is to tell readers        

A.to give others a hand

B.to be more competent

C.not to risk looking foolish

D.to stop and evaluate the situation