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案例二：王先生购买自用普通住房一套，150平方米，房款共70万元。由于王先生目前积蓄不多，于是决定从银行贷款，贷款七成，采取等额本息方式还款，20年还清（假设贷款年利率为6%）。根据案例二回答问题（计算结果保留到整数位）。 按照国家规定，王先生取得房屋产权需要缴纳契税，计税依据为房屋的成交价格。当地契税税率为3%，对于自用普通住宅减半征收，则王先生需要缴纳契税（）。
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問題V 56 から60 の言葉の使い方としτ最もよいものを、下の1234 から一つ選びなさい。 甘やかす
从下列每篇短文的问题后所给的四个选择项中选出一个最佳答案。Passage OneQuestions 21 to 25 are based on the following passage. Among the company was a lawyer，a young man of about twenty-five. On being asked his opinion，he said，“Capital punishment and life imprisonment are equally immoral. If I were to make a choice between them，I would rather choose the latter. Anyway，it’s better to live than not to live at all. ” A lively discussion followed. A banker，who was then younger and more nervous than the lawyer，suddenly lost his temper and cried out，“It’s a lie. I bet you two millions. You wouldn’t stick in a cell even for five years. ” “If you mean it，”replied the young lawyer，“I bet I’ll stay there longer；make it fifteen instead of five. ” “Fifteen!Done!”cried the banker. “Gentleman. I bet you two millions. ” “Agreed. Two millions for my freedom，”said the lawyer. So this wild，ridiculous bet came to pass. The banker could not hide his excitement. During supper he said to the lawyer jokingly，“Come to your senses，young man，before it’s too late. Two millions are nothing to me，but you stand to lose three or four of the best years of your life. I say three or four because you’ll never stick it out any longer. Don’t forget that voluntary imprisonment is much harder to put up with than an enforced one. The idea that you have the right to free yourself any moment will poison your life in the cell. I pity you. ” And now the banker，pacing from comer to comer，recalled all this and asked himself，“Why did I make this betWhat’s the goodThe lawyer lost fifteen years of his life and I threw away two millions. Will it convince people that capital punishment is worse or better than imprisonment for lifeNo，no!Rubbish!On my part，it was the caprice(心血来潮)of a well-fed millionaire；on the lawyer’s part，it’s the pure greed of gold. ” The author considers the bet between the lawyer and the banker______.
案例五：夏某夫妇计划于明年生育一个宝宝，请理财规划师为其调整家庭的风险管理和保险规划。根据案例五回答问题。 夏某夫妇非常关心孩子的教育问题，尤其是高等教育。如果考虑从保险的角度解决夏先生夫妇的子女教育规划问题，理财规划师需要为家庭增加的保险产品为（）。
案例一：上官夫妇目前均刚过35岁，打算20年后即55岁时退休，估计夫妇俩退休后第一年的生活费用为8万元（退休后每年初从退休基金中取出当年的生活费用）。考虑到通化膨胀的因素，夫妇俩每年的生活费用预计会以年4%的速度增长。夫妇俩预计退休后还可生存25年，现在拟用20万元作为退休基金的启动资金，并计划开始每年年末投入一笔固定的资金进行退休基金的积累。夫妇俩在退休前采取较为积极的投资策略，假定年回报率为6%，退休后采取较为保守的投资策略，假定年回报率为4%。根据案例一回答问题（计算结果保留到整数位）。 接74题，若上官夫妇每年的节余没有这么多，二人决定将退休年龄推迟5年，原80，000元的年生活费用按照年4%的上涨率上涨，这笔资金5年后会增长为（）。
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