请输入或粘贴题目内容
搜题
拍照、语音搜题，请扫码下载APP
题目内容
（请给出正确答案）
If the loan is past due， __________. 查看材料
A.you can remind your friend of it via e-mail
B.you can lend more money to him or her
C.you must get to know why he or she needs that money
D.if you should lend money to your friend
E.you can call the police to settle the issue
F.there is no need to maintain a friendly relation with him or her
答案
更多“If the loan is past due， __________. 查看材料A.you can”相关的问题
第1题
A.the residents of Hong Kong very rich．
B.the mainland buyers do not necessarily loan money．
C.the interest rates of the banks are not high．
D.the percentage of mainland borrowers in Hong Kong has declined over the past three years．
第2题
27 Sometimes you may find it very difficult to decide .
28 Before you lend money to your friend, .
29 If the loan is past due, .
30 If your friend refuses to return the money, .
A you can remind your friend of it via e-mail
B you can lend more money to him or her
C you must get to know why he or she needs that money
D if you should lend money to your friend
E you can call the police to settle the issue
F there is no need to maintain a friendly relation with him or her
第3题
Applying for a mortgage
Susan Thomas and her husband Alan have decided to buy a house. They have seen one that they like and now have to get a mortgage loan. Susan goes to see Joan Bentley. Ms. Bentley works in the mortgage department of the Yorktown Bank in Texas, where the Thomases live.
Ms. B: Hello, Mrs. Thomas. How are you today？ I hear you want to apply for a mortgage loan with us.
Mrs. T: That's right. I hope you have the time to answer some questions, though. My husband and I have never owned any real estate before and we have only elementary ideas about mortgages.
Ms. B: I'll be happy to help you in any way I can. What would you like to ask？
Mrs. T: First, is there any difference between a mortgage and a mortgage loan？ I have heard both terms used.
Ms. B: Yes there is, although in everyday speech people call the mortgage loan'a mort- gage. The mortgage is actually a written document. In legal terms it is called an instrument of conveyance because it transfers title of property from one party to another. The mortgage loan is, of course, the money that the mortgagee lends to the mortgagor so that the mortgagor can buy a house or some other piece of real property. Mrs. T: I see. That's clear to me now, but something has been worrying me. Many of my friends have told Alan and me that it won't be easy to get a mortgage. I don't know what they mean--Alan and I have always held good jobs. It seems that two good risks like us wouldn't have much difficulty in getting financing for a new home.
Ms. B: The problem isn't the element of risk. The supply of mortgage money has become very tight lately. Also, with interest rates rising, banks don't want to lend a large sum of money for 25 or 30 years at a fixed rate.
Mrs. T: When you mention fixed rates you remind me that I have been hearing a lot about variable - rate mortgages. I'm not quite sure that I understand exactly what they are, but people say more and more banks are using them now.
Ms. B: I can explain them to you. In the past, the borrower or mortgagor paid the same rate of interest over the life of the mortgage. Monthly payments to the bank were the same for 30 years. But with variable-rate mortgages they can be adjusted every six months to changes in the interest rates banks pay on deposits.
Mrs. T: That sounds very upsetting to me. What if the borrower gets a very large increase？ How would he meet his payments？ Variable - rate mortgages must greatly increase the possibility of the bank's foreclosing.
Ms. B: Not really. The bank can't adjust the rate more than 1/4 of one percent for any six - month period. And most banks give an initial guaranteed - rate period of six months to five years. During this period, no adjustments are allowed. However, there's no limit to how much the rate that you pay can rise or fall over the life or the mortgage.
Mrs. T: Why have banks begun to insist on variable-rate mortgages？ The old system seems so much simpler.
Ms. B: I'll admit it was simpler, but changes in conditions have made it difficult for banks to keep the system of fixed - rate mortgages. With certificates of deposit and other term - de- posit accounts, banks now pay very high interest rates to depositors in order to attract their money. These interest rates fluctuate, too, so banks want the protection of variable - rate mortgages.
Mrs. T. Your explanation makes me feel more secure about variable -rate mortgages. How much does your bank expect as a down payment？
Ms. B: Between 10% and 20% of the purchase price. Is that possible for you and your husband？
Mrs. T: Yes. We have saved enough money for that. I would like to fill out an application.
Ms. B: Fine. Here's one. We will be able to let you know whether we approve
A．True
B．False
第4题
A bridging loan is a loan which is granted to purchase a car.
A．正确
B．错误
第7题
If you own a private business, a garage, shop, or a farm, you will need, from time to time, to buy new equipment, new furnishings, or, if you are doing well, new premises(房屋) so that you can expand. Some of the cost you can meet from the profits you have kept in the business, but often you will need help.
You will go to your bank, to a finance house, or perhaps to a relative or friend for finance provided from his savings. When you borrow money or raise money in this way you pay it back out of future profits.
Many large businesses, however, need cash for new developments or expansion far in excess of what can be provided from their profits or from private sources of capital. A new factory, an oil-well in the North Sea, can cost millions of pounds to construct and bring into production; a new design of car or brand of medicine likewise can cost millions of pounds to design, develop, test and market before it reaches the stage where it earns a profit.
Often these costs can be met from profits earned in other parts of the business or from reserves built up from profits earned in past years. Sometimes, however, it is necessary, and often it may be more advantageous, to raise new money from other sources.
There can be little prospect of raising the sort of stuns needed by major businesses from friends or acquaintances, and generally the banks are reluctant to provide sufficient cash on a permanent basis for long-term projects, though they will provide short-term finance. Such companies can sometimes only raise the money they need to stay in the front of industry and develop new products and sources of production by turning to the public at large and inviting it to lend them cash or take a share in the business in exchange for a share in future profits. This they can do by offering shares in the business or loan capital through stock exchange(证券交易所).
If you want to buy a house, which of the following could you do？
A．Borrow the money from a building society.
B．Borrow the money from a bank.
C．Take money from your savings.
D．Ask a friend to help you out.
第8题
Loan Calculator
Use our Loan Calculator to help you determine the financing and payment options that are best for you. The Loan Calculator will display the results along with an optional payment schedule if you choose to do so.
Interest Rate : ______%
Term of Loan :______ ○Months ☉ Years
Payment Frequency
☉Monthly ○ Semi-monthly ○ Bi-weekly ○
Payment Amount: ______
(if unknown, leave blank)
Total Loan Amount: $ ______
Down Payment: ______ ☉ Percentage o Dollar
Payment Schedule
Show the dollar amounts apportioned to principal and interest？
☉ Yes o No
Note: The Loan Calculator is intended to provide approximate information about your loan payments. Your actual payment information may vary.
Why should you use the loan calculator？
A．To solve difficult math problems for homework.
B．To determine your best financing and payment options.
C．To schedule appointments on the calendar.
D．To keep records of all your phone numbers.
第9题
We apologize for the delay inprocessing _____loan application.
A．you
B．your
C．yourself
D．yours
第10题
The bank will extend our loan, should the need______.
A．arise
B．raise
C．rise
D．arouse
