题目内容
张先生在银行申请一笔30万元住房按揭“气球贷”，贷款期限5年，和银行约定选择按照30年期计算每月还款额，银行3～5年的贷款利率6.50%，5～30年的贷款利率7.00%。 若5年后贷款余额可续贷5年，用25年期贷款计算，若利率和月供额保持不变，则第二个5年后贷款余额是( )(答案取最接近值)。
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Passage 2 Another example of the exercise of power by Congress was the action it took during the Reconstruction Period after the Civil War. It has already been noted that President Johnson favored a lenient policy toward the South and attempted to carry out Lincoln’s "10 percent plan". He pardoned most of the Southern leaders and permitted them to restore their state governments. They were permitted to elect Senators and Representatives. Congress, however, led by the Radical Republican Thaddeus Stevens, had other ideas about the handing of the defeated Confederacy. Congress favored punitive policies. The South should be treated as conquered territory, and its readmission should be handled by Congress rather than the President. Congress opposed the "Johnson Governments" and the "Black Codes" passed by Southern states which virtually restored former slaves to their masters. Accordingly, it passed the Reconstruction Act of 1867. This measure divided the South into five military districts and provided that a seceded state would be readmitted in the Union only after it had ratified the 14th Amendment which provided that all persons born or naturalized in the United States should be citizens of the United States and of the state in which they resided, granted equality before the law to all persons, and prohibited a state from depriving any person of life, liberty, or property without due process of law. Congress also barred rebel leaders from federal office, repudiated the Confederate debt, and reduced the representation of states which barred qualified persons from voting. Later it adopted the 15th Amendement guaranteeing the Negroes the right to vote. Johnson vigorously opposed these measures. He vetoed the Reconstruction Act and others, only to see Congress repass them over his veto. After such passage of the Tenure of Office Act, Johnson, believing it unconstitutional, violated it and removed a member of his Cabinet without consulting Congress. The House of Representatives proceeded to impeach Johnson. The Senate, however, failed, by one vote, to reach the two-thirds majority necessary for his removal. We can infer that ______.
Passage 5 Investment in the public sector, such as electricity, irrigation, quarrying, public services and transport (excluding vehicles, ships and planes) increased by about 10%, although the emphasis moved to transport and away from the other sectors mentioned. Trade and services recorded a 16 % --17% investment growth, including a 30% increase in investment in business premises. Industrial investment is estimated to have risen by 8%. Although the share of agriculture in total gross investment in the economy continued to decline, investment grew by 9% in absolute terms, largely spurred on by a 23% expansion of investment in agricultural equipment. Housing construction had 12% more invested in it in 1964, not so much owing to increased demand, as to fears of impending new taxes and limitation of building. Total consumption in real terms rose by close on 11% during 1964, and per capita personal consumption by under 7%, as in 1963. The undesirable trend towards a rapid rise in consumption, evident in previous years, remained unaltered. Since at current prices consumption rose by 16% and disposable income by 13%, there was evidently a fall in the rate of saving in the private sector of the economy. Once again consumption patterns indicated a swift advance in the standard of living. Expenditure on food, especially bread and staple items, declined in significance, although consumption of fruit increased. Outlay on furniture and household equipment, health, eduction and recreation continued to increase. The greatest proof of altered living standards was the rapid expansion of expenditure on transport (including private cars) and personal services of all kinds, which occurred during 1964. The progressive affluence of large sectors of the public was demonstrated by the changing composition of durable goods purchased. Saturation point was rapidly being approached for items such as the first household radio, gas cookers, and electric refrigerators, whereas increasing purchases of automobiles and television sets were registered. The area of greatest expenditure of investment funds occurred in ______.
以花入药的药材是( )
于小姐现有A银行信用卡循环信用余额5万元，年利率20%，另有B银行信用卡循环信用余额3万元，年利率18%，两者皆以每月10%的最低还款额还款，C银行推出整合负债的信用贷款年利率12%，但是规定要在3年内分36期本利平均摊还。 于小姐若办理负债整合，第一个月本利摊还额与原来信用卡的最低还款额比较，相差多少( )。
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