DerekWaynehasobtaineda30﹣year，fixed﹣ratehomeloanof 100，...

问题详情：

Derek Wayne has obtained a 30﹣year，fixed﹣rate home loan of  100，000with an annual interest rate of 7.5percent．Because the loan extends for such a lengthy period，the mortgage（抵押） company calculates a monthly payment that ensures it will get most of its interest back first．Thus in the beginning months，Wayne's principal payment﹣the amount he pays toward his actual loan﹣increases extremely slowly．

Let's analyze Wayne's early payments．Imagine that on December 15the Mauritanian Mortgage Corporation gives Wayne 100，000，and on January 15his initial payment is due．Throughout this first month，interest accumulates on the entire  100，000．On a yearly interest rate of 7.5%，Wayne's monthly rate is 0.625% or 7.5%divided by 12．Multiplying 100，000by 0.625% yields 625，the portion of Wayne's first monthly payment that is interest．So Wayne now owes  99，925.79 （ 100，625﹣699.21）．His February interest payment will be 0.625% of  99，925.79．

By the time Wayne makes his last few payments，his monthly interest payment has decreased considerably．His balance following his 359th payment is  694.87，and 0.625% of that is about  4.34，his final interest payment．What was the total amount of interest Wayne paid？Multiplying 360months by 699.21equals  251，715.60，and subtracting 100，000（the loan amount） leaves 151，715.60﹣over 1.5times what he actually borrowed!

46．This passage is mainly concerned with　  　．

A．Derek Wayne

B．the Mauritanian Mortgage Corporation

C．how interest payments on a loan change

D．calculating the number of payments Wayne made

47．The monthly interest rate on Wayne's loan was　  　．

A.7.5%  B.6.5%  C.0.625%  D.625

48．We can conclude that Wayne's total monthly paymentwasalways　  　．

A.699.21B.100，000C.360            D.$151，715.60

49．The table in the passage helps the readers see　  　．

A．Wayne's down payment before he took out the loan

B．Wayne's first and last payments

C．how much his interest payments increased

D．at what point the interest and principal payments were just about equal．

【回答】

CCAB

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