[外语类试卷]大学英语四级模拟试卷421及答案与解析.doc
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1、大学英语四级模拟试卷 421及答案与解析 一、 Part I Writing (30 minutes) 1 For this part, you are allowed 30 minutes to write a short essay entitled Man Proposes, God Disposes. You should write at least 120 words following the outline given bellow: 1. 怎样理解 “谋事在人,成事在天 ” 2举例说明 3结论 Man proposes, God Disposes 二、 Part II Rea
2、ding Comprehension (Skimming and Scanning) (15 minutes) Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions attached to the passage. For questions 1-7, mark: Y (for YES) if the statement agrees with the information given in the passage; N (for N
3、O) if the statement contradicts the information given in the passage; NG (for NOT GIVEN) if the information is not given in the passage. 1 Buying a Home To Buy or to Rent According to Canada Mortgage and Housing Corporation (CMHC) , 37 percent of Canadian renters could afford to buy a home. But when
4、 it comes to buying or tenting, age, lifestyle, whether or not youre a parent, even where you live, all play a role. This was among, findings of a late 1990s study by the CMHC, which wanted to know why, in Quebec, so many 25-to 34-year-olds-the so-called Generation X-were tenants rather than homeown
5、ers. At the time, 56 percent of this age group outside Quebec owned their homes, a figure that dropped to 34 percent in Montreal. CMHCs Kim-Anh Lam explained: “When we asked about their priorities, Gen Xers placed housing fifth-after recreational activities, retirement planning, consolidating their
6、jobs, and repaying their debt.“ However, home ownership became a priority once a couple became serious, or the first child arrived. Most experts agree that renting makes sense if youre highly mobile and dont want to be burdened with the slow pace of the buying and selling process, or if you cant or
7、dont want to take on the long-term financial commitments of a mortgage and home maintenance. Renting may be necessary in order to save for the 10 to 20 percent down payment needed to buy a home. Whether you buy or rent your home, you should use no more than 35 percent of your income on housing, incl
8、uding rent or mortgage, utilities, insurance, and repair. Most banks recommend that no more than 30 percent of your income should support a mortgage, and no more than 40 percent should go to a mortgage and other debt. Offer to Purchase Home buyers sometimes get stung because they or their representa
9、tives fail to include important conditions in the offer to Purchase , or, as it is sometimes called, the Agreement of Purchase and Sale. Your offer can be conditional-it is good only on condition that you obtain mortgage financing, or the house passes a home inspection or a termite check. In Homebuy
10、ing Step by Step: a consumer guide and workbook, the CMHC recommends your offer also include: Basic details such as your legal name, the name of the vendor, and the legal and civic address of the property. The purchase price and all financial details included in this should be the amount of the depo
11、sit and any interest to be paid on it. You may also want to spell out the specific amount of penalty should you wish to back out of the deal. The chattel or items in the home which are included in the purchase price. This may include window coverings, appliances, a satellite dish, carpeting, bookcas
12、es, or a backyard swing. Enumerate all of them, and stipulate that everything in the house-all appliances and systems-be in working order at the time of closing of title. Date of closing and taking possession-usually 30 to 60 days from the date of the agreement, but it can be longer. Request for a c
13、urrent land survey of the property. Date and time at which the offer becomes null and void. A 48-hour limit on the sellers response time to your offer is reasonable. For Buyers only A typical real estate transaction often begins when prospective buyers drive by a house that looks appealing, take dow
14、n the name of the real estate agent listed on the sign in the yard, and call that person for an appointment. The only problem, That agent-usually the listing agent-works for a commission paid by the seller, and the agents legal responsibility is to get the best price possible for the current homeown
15、ers, not the prospective buyers. Common sense calls for buyers to be honest about their priorities, preferences, and price range. But since the agents commission comes from the vendor, and since this money is a percentage of the sale price, it is entirely possible that any information the buyers rev
16、eal to the agent-their finances, the top price theyll pay, their reactions to the house-could be used to sweeten the pot for the sellers. Keep in mind, too, that the agent-vendor relationship doesnt change just because you ask an agent to help you find your dream house. The agents services will be f
17、ree to you since his or her fees will be paid by the vendor whose property you eventually buy. Commissions are divided between the listing agent and the agent who brings about the sale. What can buyers do in these situations? They can be aware that agents will be motivated to get the highest price a
18、nd the best terms from the seller s point of view. Also, the higher the price, the bigger the agents commission. Accordingly, buyers should not expect any agent to volunteer information on a houses defects. If an agent says its a “fixer-upper,“ find out exactly what needs fixing up. Buyers should as
19、k specific questions and expect factual answers. But, unless you ask, dont expect the agent to tell you the roof is 25 years old or the fireplaces dont work. Buying a New Home When buying a home thats been around for a while, youre getting a known quantity thats proven how it reacts to winter, summe
20、r, rain, wind, and other circumstances. When buying a newly built home, youre getting something that “hasnt been road-tested, says Alan Fields, coauthor of Your New Home: the Alert Consumers Guide to Buying and Building a Quality Home. So it s important to be careful. He points out the three biggest
21、 mistakes people make when buying a new house: Forgetting to get the “window sticker“ for the house-the written list, similar to that on a new car, of specifications and materials used by the builder. “Deal with a builder whos willing to give you specifics about the construction process,“ advises Fi
22、elds. Failing to cheek out the neighborhood. “People fall in love with how pretty the new home is, and dont ask enough questions about whats going on around them with respect to schools, parks, zoning, traffic flow, and other details.“ Not hiring an independent inspector or engineer to help evaluate
23、 the construction. “People think because its new its not necessary to inspect the home,“ says Fields, “or that the city or county housing inspector will check to ensure quality. Those inspectors are checking to ensure that the home meets the minimum standards-not the highest standards-for health and
24、 safety codes in the area. Just because a home passes a city inspection does not mean you got what you paid for, or what your family deserves.“ 2 According to Canada Mortgage and Housing Corporation (CMHC), 37 percent of Canadian renter could not afford to buy a home. ( A) Y ( B) N ( C) NG 3 Whether
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