关于个人贷款抵押担保，下列说法正确的是( )。 A．贷款抵押物_爱下问搜题

搜题请搜索小程序“爱下问搜题”

问题多项选择题

关于个人贷款抵押担保，下列说法正确的是( )。

A．贷款抵押物应当符合《贷款通则》的规定

B．借款人以所购自用住房作为贷款抵押物的，必须将住房价值全额用于贷款抵押

C．以房地产作抵押的，抵押人和抵押权人应当签订书面抵押合同，并于放款前向市级以上地方人民政府规定的部门办理抵押登记手续

D．借款人对设定抵押的财产在抵押期内必须妥善保管，负有维修、保养、保证完好无损的责任，并随时接受贷款人的监督检查。对设定的抵押物，在抵押期届满之前，贷款人不得擅自处分

E．采用抵押担保时，最高贷款额度不得超过抵押物市场价值的90%

答案

参考答案：B,D

解析：个人住房贷款抵押依据的法规为《中华人民共和国担保法》，而非《贷款通则》，故A项错误；以房地产做抵押时，放款前需向县级以上地方人民政府有关部门登记，C项错误；采用抵押担保时，贷款上限为抵押物价值的80%，E项错误。

选择题

下列诗句与苏轼名句“大江东去，浪淘尽，千古风流人物”意境最接近的是哪一句？ [ ]

A．枯藤老树昏鸦，小桥流水人家，古道西风瘦马。　　

B．千古兴亡多少事？悠悠。不尽长江滚滚流。　　

C．过尽千帆皆不是，斜晖脉脉水悠悠。肠断白频洲。　　

D．蒹葭苍苍，白露为霜。所谓伊人，在水一方。

完形填空

When I was in the 8th grade in Ohio, a girl named Helen in my class had a terrible accident. As she was   16  to the bus in order not to miss it, she slipped on the ice and fell under the back wheels of the bus. She   17  the accident but was paralyzed from the waist down. I went to see her, in my 13-year-old mind thinking that she wouldn’t live   18   from then on.
Over the years, I   19 and didn’t think much about Helen after that. Three years ago, in Florida, my oldest son was hit by a car while riding his bike,   20  a terrible brain injury. While I was looking after my son, a lady who said she was the hospital’s social worker called. It was a particularly tiring day. I burst into tears for no reason and rang   21 .
A short time 1ater, a beautiful woman, in a wheelchair,   22  into my son’s room with a box of 23 . After 16 years, I still   24  Helen. She smiled, handed me the tissues and hugged me. I told her who I was, and after we both went through the shock of that, she began to tell me about her life since we last saw each other. She married, had children and got her degree so that she smoothed the path for those people who were less   25  than her. She told me that if there was anything she could give me, it would be   26 .
Looking at this wonderful, giving person, I felt   27 . But I also felt the first hope I had since learning that my son was 28 . From this person that I thought would have no quality of life, I learned that where there is life, there is hope. My son miraculously   29  and we moved north, but I owe Helen   30 that I can never repay.

D．hospitalized

B．some tissues