A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called "take a mortgage." The bank usually lends money or gives a mortgage for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50, 000. In other words, they will have a $ 50, 000 mortgage. How can you get a mortgage? When you find a house you like, you go to a bank. The bank will research you financial history and decide if. They think you are a good risk. They will want to know what kind of job you have, what kind of salary you make, and how long you have had the job. They will also want to know how much money you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.
单选题
What does a house mean in the United States?
【正确答案】
C
【答案解析】[解析] 从第一句A house is the most expensive thing most people will ever buy我们可以得知，房子是人们所要购置的最重要的财产。A、B两项都捉到买房子的不可能性，与文章中的抵押贷款从而购房相悖。D项过于绝对化，并不是所有的人都必须通银行贷款才买得起房子。
单选题
If American people borrow money from the bank for 25 years, this means that the person who borrows ______.
【正确答案】
A
【答案解析】[解析] 从文章第一段The bank usually lends money or gives a mortgage for twenty-five years得出银行的借期是25年，是一准确的数字，而不是多于、少于或大约25年。
单选题
What does "down payment" refer to in the passage?
【正确答案】
B
【答案解析】[解析] 从down payment的后一句话The bank will then lend you the rest of the money to buy the house可以推知down payment是在取得贷款之前自己先支付的那部分款项，即首付款。
单选题
Which is not one of the things researched by a bank?