Sandy didn’t tell her parents that she was going home because she wanted to give them

a _________.

A．gift

B．call

C．surprise

D．note

房地产开发贷款的报审材料除了常规的送审材料外，还需借款人具有一定的自有资金，一般应占项目预算投资的( )以上，并能够在使用贷款之前投入项目建设。

A．30%

B．40%

C．50%

D．60%