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案例三：小崔打算五年后买房，计划购买一套面积在90平方米左右的普通住宅。目前小崔有存款2万元；其2008年的年收入预计约为15万元，每年的储蓄比率为40%，投资报酬率为15%。小崔准备在买房时向银行申请20年期的按揭，预计当时的房贷利率为6%。 根据案例三，回答13～18题： 为了避免因为还房贷而陷入财务危机，小崔贷款购房的房价最好控制在年收入的( )倍以下。
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案例四：李先生在北京购买了一套面积为100平方米的自住普通住房，每平方米均价为 9000元。目前李先生已缴纳首付36万元，并向建设银行申请住房按揭贷款。 根据案例四，回答19～24题： 李先生在办理按揭，缴纳保险费时，( )。
Directions: Read the following text. Choose the best word (s) for each numbered blank and mark A, B, C or D on Answer Sheet 1. Greg Focker, played by Ben Stiller, represents a generation of American kids (1) in the 1980s on the philosophy that any achievement, however slight, (2) a ribbon. (3) replaced punishment; criticism became a dirty word. In Texas, teachers were advised to (4) using red ink, the colour of (5) . In California, a task force was set up to (6) the concept of self worth into the education system. Swathing youngsters in a (7) shield of self-esteem, went the philosophy, would protect them from the nasty things in life, such as bad school grades, underage sex, drug abuse, dead-end jobs and criminality. (8) that the ninth-place ribbons are in danger of strangling the (9) children they were supposed to help. America’s (10) with self-esteem--like all developments in psychology, it gradually (11) its way to Britain--has turned children who were (12) with (13) into adults who (14) at even the mildest brickbats. Many believe that the feel-good culture has risen at the (15) of traditional education, an opinion espoused in a new book, Dumbing Down Our Kids: Why American Children Feel Good About Themselves But Can’t Read, Write, or Add, by the conservative commentator Charles Sykes. Not only that, but the foundations (16) which the self-esteem industry is built are being (17) as decidedly shaky. Roy Baumeister, professor of psychology at Florida State University and once a self-esteem enthusiast, is now (18) a revision of the populist orthodoxy. "After all these years, I’m sorry to say, my recommendation is this: forget, about self-esteem and (19) more on self-control and self-dlscipline," he wrote recently. "Recent work suggests this would be good for the individual and good for society--and might even be able to (20) some of those promises that self-esteem once made but could not keep."
案例八：赵大宝准备在北京购买一套200平方米的普通住宅，价格是20000元/平方米。他参加了住房公积金制度，并且每月按时缴纳住房公积金。赵大宝拟在工商银行申请个人住房公积金贷款，且目前名下的住房公积金本息余额为20000元，上个月公积金汇储额为4000元(包括单位及个人)。他本人目前离法定退休年龄还剩32年。同时赵大宝购房除了房款本身之外，还需要缴纳契税、印花税、房屋买卖手续费、公证费、律师费等各种费用。 根据案例八，回答47～50题： 下列不属于赵大宝申请住房公积金贷款应提供的资料的是( )。
案例六：张小姐是某外企的市场部经理，年轻有为，收入客观。最近张小姐打算给自己添置一辆新车，但她前不久刚刚买了房，手中资金有限，一次付清车款有一定困难。针对这种情况，张小姐的理财规划师建议其通过贷款方式购车。 根据案例六，回答30～39题： 张小姐可申请的汽车贷款年限最长不超过( )年。
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