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成人学位英语阅读理解专题辅导2017年成人学位英语阅读理解专题辅导

LifeSaver-oraLifeSentence

挽救生命或生活的句子吗

Growingnumbersoffirst-timebuyersdesperatetogetonthehousingladderbutstrugglingtoaf fordsky-highhousepricesarebeingencouragedtotiethemselvesintomortgag eslasting35,40,oreven45years.Withtoday'sbuyersrequiringever -

largerhomeloans,somebanksandbuildingsocietieshavecomeupwith aclevertrickforbringingthedreamofhomeownershipwithintheirre ach:increasingthetermoftheloaninordertoreducethemonthlypaym ents.Butit'satrickwithanastycatch.Whileyourmonthlyoutlaywil lbelower,bythetimethedealcomestoanendyou'llhavepaidfarmore-perhapsanextra$150,000-thanifyouhadastandard25-yearmortgage.

首次购房者的绝望争取买房但挣扎负担的天空高价格的房子都被鼓励把自己绑到抵押贷款持续35，40越来越多，甚至45年。今天的买家需要更大的住房贷款，一些银行和建筑协会想出了让房屋所有权的梦想在他们到达一个巧妙的方法：以贷款期限的增加减少每月的付款。但它是令人讨厌的抓到窍门。当你每月的支出将下降，由协议即将结束，你会付出更多的可能是一个额外的150000美元——比如果你有一个标准的25年抵押贷款的时间。

RobertMcLean,36,recentlysignedupforamortgagewithNorthern Rockinwhichheisallowedtopaybackover35years,bywhichpointhewi llbe71.Herecentlyboughtatwo-

bedroomhousewithhiswife,andwasofferedafive-yearfixed-

ratedealwithaninitialrateof6.2%.Tooffsetthishighinterestrat ethebankrecommendeditsTogethermortgage,whichallowsthecouple toborrowmorethanmosthighstreetlendersallowandtostretchthete rmoftheloan.Mr.McLean(nothisrealname)doesnothaveapermanentj obbutworksoncontractinthepublicsector.Despitethis,hesaysthe bankallowedhimandhispartnertoborrowmorethanfourtimestheirjo intearnings."TheyaskedwhatmyjobwasandifIworkedpart-

time.Nothingaboutcontractworking.Thentheywantedtoknowhowmuc hweearnedandifwehadanydebtsoncreditcardsorloans,"hesays:"Fo rusitwasano-brainerbecausethemonthlypaymentswereonlyalittleabovetherent wewerepaying."

Asforthefuture,thecouplehopetheirfinanceswillimprovedram aticallyoverthenextfewyears,enablingthemtopayoffthemortgage beforetheyretire.

对于未来，他们希望他们的财务状况将大大改善，在未来几年内，使他们能够还清抵押贷款，他们在退休之前。

Theyarenottheonlyoneswhoarebeingofferedtheoptionofgoingl ongontheirborrowing.Ifthetrendforextendingpeople'smortgaget ermaccelerates,itcouldmeanweendupwavinggoodbyetothetraditio nal25-yearloan.

他们是不是正在提供去长期借贷的选项只有。如果延长人的抵押期限加快的趋势，这可能意味着我们最终告别传统的25年的贷款。

NorthernRockisn'ttheonlylenderwillingtoletpeopleborrowov eralongerperiodoftime.Cheltenham&Gloucesterwilllethomebuyer srepaytheirmortgageoveraperiodofupt035years,whiletheHalifax

,HSBC,CoventryBuildingSocietyandUlsterBankareamongthosethat willgoupt040years.Intriguingly,theCoventrywillallowpeopleto https://www.sodocs.net/doc/9b18903828.html,stmonth,Bradf ord&Bingleytrumpedthemallwithadealthatboastsamaximumtermof4

5years.However,tobefair,thisisamortgageaimedatyoungprofessi

onalfirst-

timebuyerstrainingtobesolicitors,accountantsandthelike,whos eincomesarehighlylikelytoincreasesubstantiallyoverthecoming years.

北岩不是只愿意让人们借更长时间的贷款。切尔滕纳姆和格洛斯特会让购房者偿还他们的抵押贷款超过多达35年，而在哈利法克斯，汇丰银行，考文垂建筑协会和阿尔斯特银行是那些将上升到40年。

有趣的是，考文垂会让人们有一个抵押贷款，直到他们是85岁。上

个月，Bradford&Bingley压倒了他们所有的交易，拥有45年的期限。然而，为了公平，这是一个针对首次购房者的抵押贷款的年轻

职业培训是律师，会计师等，其收入在未来几年大幅增加，很有可能。

BrianMurphyatindependenthomeloansbrokermortgageAdviceBur eauisoneofthoseconcernedaboutthecurrenttrend."Stretchingamo rtgagetermtolowerthepaymentsisariskybusiness,"hesays."Wealw aysadviseclienttokeeprepaymentstoasshortatermaspossible,toe nablethemtofreeupmoneyforpre-retirementinvestments."

布瑞恩墨菲在独立的房屋贷款经纪人抵押贷款咨询局是那些关注当前的趋势。”拉伸抵押期限降低支付是一个高风险的业务，”他说。”我们总是建议客户保持还款在尽可能短的期限，以使他们能

够自由资金为退休前的投资。”

RayBoulgerhasforsomeyearsbeenpredictingashifttowardslong er-

termmortgagesintheUK.Hebelievesthatfortherightpeopleintheri ghtcircumstances,optingforalongerborrowingperiodcanbeasensi blesolutiontotheproblemofaffordability,butadds:"Inthewrongh andsitcanbedangerous."Whileeveryoneshouldaimtopaytheirmortg agebackbythetimetheyretire,withthestateretirementagemovingu

pt068by2044andpeoplelivinglonger,itisperfectlyreasonabletoe xpectmortgageborrowerstoberetiringlaterinfuture,saysMr.Boul ger.Someaged36nowwhotakesouta35-

yearhomeloanwillalmostcertainlynotkeepthatmortgageuntilthey are71-theywillprobablyremortgageandmovehouse."Assoonasyoucanaffor dtopaymore,youshouldshortenthetermormakeoverpayments,"headd s.

RayBoulger已经有些年头了，在长期抵押贷款在英国一个位移预测。他认为，在适当的情况下正确的人，选择一个较长的借款期限可以承受能力，问题的明智的解决方案，但补充说：“在错误的手中，它可能是危险的。“虽然每个人都应该支付他们的抵押贷款回他们退休的时候，与国家的退休年龄的运动多达68的2044人活得更长，这是完全合理的预期抵押贷款的借款人是退休后在未来，博尔格先生说。一些36岁谁拿出35年的房贷几乎肯定不会让抵押直到71-他们可能会再抵押和搬家。”只要你能付得起更多，你应该缩短周期或付款，”他补充道。

WeaskedNorthernRockaboutMr.McLean'scase.Aspokeswomansays 35yearsisthemaximummortgagetermthatitoffers,adding:"Itisunu sualforsomeonetotakeoutamortgageforthatlengthoftime."Howeve r,shesaysitisanoptionforpeoplewhowanttokeeptheirpaymentsver ylow.Providedborrowershavearrangementsinplacetocontinuemaki ngrepaymentsaftertheyretire,NorthernRockwilllendtothem.

我们向北岩对麦克林的案例。一位女发言人说，35年来最大的抵押期限，它提供了，说：“有人拿了这么长时间的按揭是不寻常的。”但是，她说这是人谁想要保持他们的支付很低的一个选项。提供借款人已经安排继续偿还他们退休后，北岩银行借钱给他们。

Somemightsaythatifhousepricescontinuetoriseinexcessofear ning,theonlywayrepaymentscanremainaffordableisbyincreasingt hetermoftheloan.

有些人可能会说，如果房价继续上涨超过收入，还款可以负担得起的唯一方法是增加的贷款期限。

Butotherssaythisisatickingtimebomb,thetacticsusedbythose loanconsolidationcompaniesthatofferpeoplethechancetobringal ltheirdebtstogetherinto"oneeasypayment"thatissubstantiallyl essthantheircurrentmonthlypayments-butwhichdothisbyspreadingthemoveramuchlongerperiod,meaningm oreinterestispaid.

但也有人说这是一个定时炸弹，这些合并贷款公司提供的人有机会让他们所有的债务成“分期付款”，基本上小于目前的每月付款，但可以通过扩展他们在更长的时期使用的策略，意味着更多的利息

收入。

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北京地区成人本科学士学位英语统一考试 Part I Reading Comprehension (30%) Directions: There are three passages in this part. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A, B, C and D. You should decide on the best choice and blacken the corresponding letter on the Answer Sheet. Passage 1 Questions 1 to 5 are based on the following passage: The reflective towers of New York City, which is on the Atlantic migrating(迁徙的) route, can be deadly for birds.“We live in an age of glass,”said Ms. Laurel,an architect. (76) “It can be a perfect mirror in certain lights, and the larger the glass, the more dangerous it is.”About 90,000 birds are killed by flying into buildings in the city each year. Often, they strike the lower levels of glass towers after searching for food in nearby parks. Such crashes are the second-leading cause of death for migrating birds, after habitat (栖息地) loss, with an estimated number of death ranging up to a billion a year. (77) As glass office and apartment towers have increased in the last decade, so, too have calls to makethem less deadly to birds. San Francisco adopted bird-safety standards for new buildings in July. The United States Green Building Council, a nonprofit industry group that encourages the creation of environmentally conscious buildings, will introduce a bird-safety credit this fall as part of its environmental certification process. There are no easy fixes, however. A few researchers are exploring glass designs that use ultraviolet (紫外线的) signals, but they are still in their infancy. Covers, dot patterns, shades and nets are the main options available. Often, only one section of a building needs to be changed. "You don't necessarily have to treat every window," Ms. Laurel said. "It would be too expensive to do the whole building." The Jacob IC Javits Convention Center, which has been undergoing alterations, is the most recent building to voluntarily correct the problem of bird crashes. The architects used less reflective glass and dot patterns. 1. What is the main idea of the passage A. New York is a city of glass towers. B. Glass towers are dangerous for migrating birds. C. New York adopted new safety standards for buildings. D. Glass towers are a new trend in the United States. 2. What is the number one cause of death for migrating birds A. Climate change. B. Habitat loss. C. Lack of food. D. Crashing into buildings. 3. What does the word“fixes”in the third paragraph probably mean A. Choices. B. Explanations. C. Solutions. D. Developments. 4. are used in the alteration of the Jacob K. Javits Convention Center. A. Dot patterns B. Shades C. Nets D. Covers

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2017年成人学士学位英语阅读理解预测题「答案」 成人英语三级考试全部题目按顺序统一编号，共85题。以下是小编为大家搜索整理的2017年成人学士学位英语阅读理解预测题【答案】，希望能给大家带来帮助!更多精彩内容请及时关注我们应届毕业生考试网! Packaging is a very important form of advertising. A package can sometimes motivate people to buy products. For example, a little child might ask for a breakfast food contained in a box with a picture of a TV character. The child is more interested in the picture than in breakfast food. Pictures for children to color or cut out, games printed on a package, or a small gift inside a box also motivate many children to buy products - or to ask their parents to buy for them. Some packages suggest that a buyer will get something for nothing. Food products sold in reusable containers are examples of this. Although a similar product in plain container might cost less, people often prefer to buy the product in a reusable glass or dish, because they believe the container is free. However, the cost of the container is added to the cost of the product. The size of a package also motivates a buyer. Maybe the package has “Economy Size”or “Family Size” printed on it. This suggests that the larger size has the most product for the least money. But that is not always true. To find it out, a buyer has to know how the product is sold and the price of the basic unit. The information on the package should provide some answers. But the important thing for any buyer to remember is that a package is often an advertisement. The words and pictures do not tell the whole story. Only the product inside can do that. 21.“A buyer will get something for nothing”in paragraph 2 may probably mean ________. A.a buyer will not get what he pays for B.a buyer will get more than what he pays for C.a buyer will get something useful free of charge D.a buyer will get more but pay less 答案：A 22. From the pasage we know the buyer pays more attention to ________. A.the size of a container B.a container with attractive picture