【听英文对话做选择】抵押贷款

原文：

For many homeowners, refinancing their home mortgages can provide numerous financial benefits over the long run.

For one, you can lower your monthly mortgage payments by taking advantage of lower interest rates. This amount can be significant depending on the market rates.

 

Second, refinancing your mortgage can provide you with additional funds to finance other home improvements, like repairing that leaky roof, adding a garage, or building an addition on to your home.

 

Furthermore, by refinancing, you can greatly reduce the length of your loan. After several years into your mortgage, people often earn more money than when they first purchased their home, and thus, have a surplus to pay their off loans quicker.

 

However, for some people, refinancing their mortgages just makes sense, providing a cushion in case of a financial crisis due to loss of employment or a medical crisis.

 

Whatever you do, be sure to gather all the facts about refinancing to make the best, informed decision that will meet your current and future needs.

 

1. What type of loan refinancing does this commercial discuss?

A. home

B. business

C. land

2. You can lower your monthly mortgage payments by doing which of the following?

A. creating a clear budget 

B. reducing your expenditures¹

C. securing a loan at a lower rate

 

3. Refinancing your loan can provide you with the financial resources to:

A. take out other loans.

B. pay for other improvements.

C. reduce your long-term debt.

 

4. Why is it sometimes possible to reduce the term of a loan quickly?

A. Other investors² can pay off the loan for you.

B. Increased income over time can help you make greater payments.

C. You can have someone else take over the loan.

 

5. Finally, refinancing a loan can provide a safety net in which of these situations?

A. downturns in the economy

B. loss of a job

C. destruction of property

 

正确答案：

1. home

2. securing a loan at a lower rate

3. pay for other improvements.

4. Increased income over time can help you make greater payments.

5. loss of a job

 

1 expenditures   

n.花费( expenditure的名词复数 )；使用；（尤指金钱的）支出额；（精力、时间、材料等的）耗费

参考例句：

• We have overspent.We'll have to let up our expenditures next month. 我们已经超支了，下个月一定得节约开支。 来自《简明英汉词典》
• The pension includes an allowance of fifty pounds for traffic expenditures. 年金中包括50镑交通费补贴。 来自《简明英汉词典》

2 investors   

n.投资者，出资者( investor的名词复数 )

参考例句：

• a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
• a cash bonanza for investors 投资者的赚钱机会