英语听力练习高级训练32：再融资抵押贷款

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　　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 expenditures

　　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 investors 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

　　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

　　英语听力原文：

　　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.

　　英语单词短语：

　　refinance vt. 再供…资金;再为…筹钱 (verb): provide money again to take care of financial dealings

　　- My father wants to refinance his home to save money in the long run.

　　mortgage n. 抵押 (noun): an agreement allowing you to borrow money from a bank to buy a house

　　- I really want to pay off our mortgage within the next ten years.

　　funds n. [会计] 资金，现金(fund的复数);基金 (noun): assets in the form of money

　　- Raising sufficient funds for a down payment for a house sometimes takes time.

　　surplus n. 剩余;[贸易] 顺差;盈余;过剩 (noun): more than is needed

　　- He is only a junior, so he has another year to graduate.