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  3. [originaltext] Some banks offer other types of loans repayable by monthly in

[originaltext] Some banks offer other types of loans repayable by monthly in

游客2025-06-19  16
问题  
Some banks offer other types of loans repayable by monthly installments, such as business development loans, house improvement loans, and farm development loans. These may be either secured or unsecured. Secured loans attract a slightly lower rate of interest than unsecured loans. Some banks offer revolving credit schemes. These normally involve loans repayable by regular monthly installments, but they differ from other loans repayable by installments in two respects. First, the borrower need not take up the full amount of the loan at the outset. Secondly, as his repayments reduce his indebtedness, he can "top up" his loan by borrowing more, provided that the total debt outstanding does not exceed his agreed credit limit. In 1967 some banks introduced a new form of account called a "budget account". The object is to allow personal customers to spread the incidence of normal personal and household expenditure.
24. Which of the following loans is not repaid by installments?
25. Which of the following loans would attract a lower rate of interest?
26. How does a borrower "top up" his loan?
27. What is the objective of introduction of the budget account?
选项 A、By taking up the full amount of the loan.
B、By borrowing more.
C、By stopping borrowing.
D、By reducing his indebtedness.
答案 B
解析 录音原文提到Secondly，as his repayments reduce．．．exceed his agreed credit limit．在借款人未清偿总债务没有超过事先商定好的信用额度前提下，由于还款减少了债务，他可以通过借人更多款项积累贷款额。
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