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The low interest rates on bank loans provided an impetus for many to buy homes.
A．incentive
B．obstacle
C．reason
D．delay
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更多 “ The low interest rates on bank loans provided an impetus for many to buy homes.A．incentiveB．obstacleC．reasonD．delay ” 相关考题
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单句理解听力原文：The interest rates on these small deposits are usually floating rates, and they are usually 2%- 5% below the bank's current base rates.(1)A．Bank's current base rates are higher than those on small deposits.B．Bank's current base rates are lower than those on small deposits.C．Bank's current base rates are not floating rates.D．Bank's current base rates are usually floating rates.
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听力原文：M: The depositors can earn interest on demand deposits, is that right?W: Yes, but the rate of interest on demand deposits is generally well below the bank's base rate.Q: What does the woman imply?(15)A．The bank's base rate is fixed.B．The rate on demand deposits is low.C．The rate on demand deposits is high.D．The bank's base rate is floating.
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短文理解听力原文： Dealers in government and private securities need short-term financing to purchase new securities and carry their existing portfolios of securities until those securities are sold to customers or reach maturity. Such loans are readily granted by many of the largest banks because of their high quality--often backed by pledging the dealer's holdings of government securities as collateral. Moreover, many loans to securities dealers are so short-overnight out to a few days that the bank can quickly recover its funds or make a new loan at a higher interest rate if the credit markets have tightened up.21. Who need short-term financing according to the passage?22.Why such loans are so high quality?23.How long will the dealers keep such loans?(21)A．Dealers in foreign exchange.B．Dealers in government bonds.C．Dealers in IPO.D．Dealers in government private securities.
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听力原文：M: Do you know some forms of bank advances?W: There are three forms: overdrafts, personal loans and mortgages.Q: Which of the following is not a form. of bank advances?(13)A．Overdrafts.B．Mortgages.C．Personal loans.D．Letter of credit.
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The best Headline of this passage would be ______.A．Loans Provided by BanksB．Long-term Project LoansC．Credit FinancingD．Term for Loans
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Security is required on loans so that ______.A．the lending bank can enjoy higher interest receipts from the loanB．the borrower is more willing to pay back the moneyC．the funds borrowed will be repaid within a shorter period of timeD．more prime borrowers are attracted
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听力原文：M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.W: But the card holders should pay a significant annual fee, perhaps as high as ￡ 50.Q: What is the disadvantage for gold cards holders?(16)A．High credit limitsB．High annual fee.C．Low interest rates.D．Monthly statements.
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单句理解听力原文：These time deposits earn higher interest rates, which may be fixed or floating, but no withdrawals are allowed until the term has ended.(1)A．Sometimes the interest rates on time deposits are not fixed.B．People can draw these deposits at any time.C．The interest rates on time deposits are fixed.D．The interest rates on time deposits are floating.
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听力原文： Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form. of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.24. Which of the following loans is not repaid by installments?25.Which of the following loans would attract a lower rate of interest?26.How does a borrower "top up" his loan?27.What is the objective of introduction of the budget account?(24)A．Business development loans.B．House improvement loans.C．Farm development loans.D．Overdrafts.
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What will happen if there is one commercial bank and no thrifts in a small town?A．The residents will deposit their money with the bank.B．The local bank will provide business loans to the commercial bank.C．Some large banks will transport money by check to the bank.D．People in the area will not deposit money with the bank.
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单句理解听力原文：Interest rate risk refers to the exposure of a bank's financial condition to adverse movements in interest rates.(1)A．Bank's financial condition is the cause of interest rate risk.B．Bank's financial condition has impact on interest rate risk.C．Interest rate risk occurs when interest rate moves against the bank's financial condition.D．Interest rate risk occurs when interest rate favours the bank's financial condition.
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The bank (56) borrowers enough interest to pay the expense of the bank and have something left over for (57) . The interest cannot be higher than the legal rate, which is established by state law and in most states is 6% per year. (58) big loans, the interest rate is much less, even as low as 2%. The rate depends on the money market, when there is plenty of money (59) to be borrowed, banks charge low rates of interest. A savings bank may pay its depositors 2% and lend the money at 3.5% or 4%. But when money is tight, interest rates go up, and a savings bank may try to (60) depositors by offering 4% or 4.5% or even more and lending the money at 5% or 6%.(41)A．receivesB．getsC．chargesD．pays
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The government policies provided an impetus to this areas growth.A．an incentive toB．an obstacle toC．a reason forD．an assistance to
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Retrofitting houses to use less energy should be a no-brainer for homeowners.（1）time,money spent on ways to reduce heat loss from draughty houses should produce a（2）return in lower fuel bills.In practice,many are cautious.Some improvements,such as solid-wall insulation and solar panels,can take over 25 years to（3）their initial cost.Few owners are willing to wait that long by then many are likely to have（4）and moved on Several governments have started finance schemes designed to（5）this problem.Since 2008 PaCE programmes have offered American homeowners loans to（6）improvements,repaid through higher local taxes on the property,（7）it belongs to.In Britain,the Green Deal offers loans over a 25-year period,with repayments added to energy bills.Countries including France and Canada have similar（8）In theory,these schemes should boost investment in common energy-saving measures,such as extra insulation and new boilers,（9）the first owner does not have to pay all the costs in advance But enrolment rates have（10）,according to Sean Kidney at the Climate Bonds Initiative,a think tank.In Britain,just 1%of those assesseed for the Green Deal have signed up.In Berkeley,California,home of the first PACe scheme,the（11）rate is similarly low.Homeowners are（12）chiefly because the interest rates on the loans look high.The Green Deal charges 7%;some PaCe schemes a hefty 8%.As these rates are fixed for decades,they will（13）look unattractive when（as now）short-term interest rates are low Many people also（14）they will save enough on their energy bills to cover the repayments Fc or instance（15）in britain that installing loft insulation can cut energy bills by 20%have been dented by a government study that found it（16）gas consumption by only 1.7%on average.Others fear that green loans may reduce the value of their home.In America,firms that underwn mortgages are（17）PACE loans Green loans have not been a failure everywhere.Around 250,000 households in Germany（18）for them each year.They do so（19）they need pay only 1%interest on them each year thanks to an annual public subsidy of 1.5 billion.Whether that is a（an）（20）use of taxpayers’money is another question（16）选？A.reduced
B.produced
C.increased
D.decline
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An increase in a nation's rate of savings ultimately( ) to lower interest rates for business and consumer loans.A. lead
B. leads
C. leader
D. leading
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What does“down payment”refer to in the passage? __________A.Money borrowed from a bank as a mortgage
B.Money paid to a bank before the mortgages is given
C.Interest received by a person who borrows money as the mortgages
D.Interest charged by a bank on a mortgage
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根据下列内容，回答211-215题。
A house is the most expensive thing most people will ever buy．Very few people have enough money of their own to buy a house，so they have to borrow money from a bank．Borrowing moneyfrom a bank to buy a house is called“take a mortgage”．The bank usually lends money or gives a me．gage 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 a]so want to know how much money you have．In addition．the banks will require a down payment．Depending Oil 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 can not save enough money for the
down payment．
What does a house mean in the United States．? __________A.It is a dream which many people can hardly realize
B.It is so expensive that many people can not really buy them
C.It is the most important property that many people try to buy
D.It doesn’t belong to people if they can not borrow morley from the bank
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Retrofitting houses to use less energy should be a no-brainer for homeowners.1 time,money spent on ways to reduce heat loss from drauShty houses should produce a 2 return in lower fuel bills.In practice,many are cauLious.Some improvements,such as solid-wall insulation and solar panels,can take over 25 years to 3 their initial cost.Few owners are willing to wait that long:by then many are likely to have.4 and moved on.Several governments have started finance schemes designed t0 5 this problem.Since 2008 PACE programmes have offered American homeowners loans to 6.improvements,repaid through higher local taxes on the property,7 it belongs to.In Brit.ain,Lhe Green Deal offers loans over a 25-year period,with repayments added to energy bills.Countnes including France and Canada have similar 8.In theory,these schemes should boost investment in common energy-saving measures,such as extra insulation and new boilers,9 the first owner does not have to pay all the costs in advance.But enrolment rates have 10,according to Sean Kidney at the Climate Bonds Initiative,a thinktank.In Britain,just 1%of those assessed for the Creen Deal have signed up.In Berkeley,California,home of the first PACE scheme,the 11 rate is similarly low.Homeowners are 12 chiefly because the interest raLes on the loans look high.The Green Deal charges 7%;some PACE schemes a hefty 8%.As these rates are fixed for decades,they will 13 look unattractive when（as now）short-term interest rates are low.Many people als0 14 they will save enough on their energy biUs to cover the repayments.For instance,15 in Britain that installing loft insulation can cut energy bills by 20%have been dented by a government study that found it 16 gas consumption by only 1.7%on average.Others fear that green loans may reduce the value of their home.In America,firms that undewrite mortgages are 17 PACE loans.Green loans have not been a failure everywhere.Around 250,000 households in Germany 18 for them each year.They do so 19 they need pay only 1%interest on them each yeu,thanks to an annual public subsidy of 1.5 billion.Whether that is a（an）20 use of taxpayers'money is another question.14选？A.coniend
B.doubt
C.concliide
D.debate
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资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured therefore, annual percentage yield is same as annual interest rate. The interest is payable on the day of maturity of deposit. Interest paid during the year is reported to Internal Revenue Services. For today’s rates please refer to Current Rates of Interest on STAR CDs.
Maturity Period: Flexible to your needs
You may choose any maturity date with a minimum period of 7 days to a maximum period of 1 year to suit your needs. Your CD is automatically renewed for the same period in absence of any other instruction, at the ruling rate of interest on the date of renewal. There is no grace period for automatic renewal of deposits on maturity. For deposits issued for 1 year or more, we send maturity notices to the depositors 2 to 4 weeks before the due date.
Minimum Amount: Easy to Start
The minimum amount accepted is USD 2000
Other Features:
1.FDIC Insurance Up to $100,000
2.Facility to Open Joint & Corporate Accounts
Additional Deposits:
Additional amounts deposited into an account will be treated as fresh deposits & separate certificates of deposits will be issued for such deposits.
Early Withdrawal:
Withdrawal of deposit before its date of maturity may be allowed at bank’s discretion. In that event, interest will be paid at the rate applicable for the period for which the deposit remained with the bank or the contracted rate, whichever is lower, as prevailing on the date of deposit, less one percent. However, no interest shall be paid on the deposit which runs for less than 30 days. There is no other penalty or charge on early withdrawal.
Bank of India CDs are safe because （ ）A.CD is a safe instrument.
B.Bank of India is safe.
C.CD is insured
D.All of the above
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,A:you have to pay interest to the bank.B:you have to close your account.C:you have to open a new account.D:you have to pay a penalty or fee.
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money whichA:a bank lends to people.B:a bank loans to businesses.C:a bank pays you.D:a bank uses.
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.The word"touch" in paragraph 7 could be best replaced byA:"deposit".B:"work".C:"use".D:"cash".
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.A bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Which way will help your money earn more money?A:Putting your money in your room.B:Putting your money in a piggy bank.C:Putting your money in your pocket.D:Putting your money in a savings account.
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第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
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第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.A bank statement tells you_______.A:the amount of money you have in the bankB:the current rates of interestC:the current rates of exchangeD:the best way to save your money
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第三篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,_______.A:you have to pay interest to the bankB: you have to close your accountC:you have to open a new accountD:you have to pay a penalty or fee
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