www ThiNganHang com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang 1 Facebook @ThiNganHang www facebook com/ThiNganHang ĐỀ THI ANH VĂN VIETCOMBANK (3 7 2016) o0o Đề Anh văn 80 câu / 60 phút Gồm có 55 c[.]
Facebook: @ThiNganHang www.facebook.com/ThiNganHang ĐỀ THI ANH VĂN VIETCOMBANK (3-7-2016) -o0o -Đề Anh văn: 80 câu / 60 phút Gồm có: 55 câu trắc nghiệm, phrasal verbs, cấu trúc câu, nghĩa câu từ, ngữ cảnh câu – câu gây rối, cấu trúc câu phức chiếm đa số (hầu toàn câu phức), phải đọc thật kỹ suy đốn ngữ cảnh tình huống, xong đọc đáp án phân vân =)))) 25 câu điền từ (Đoạn văn mortgage, tìm thấy trang ft; lựa chọn ABCD thêm vào để tạo ấn tượng hoang mang mà đề thi thực mang lại, file đính kèm nhé) Nhận xét cá nhân đề anh văn: Khó dài (Loại đề thi điển hình VCB) Đoạn văn điền từ cực dài, kinh tế, cấu trúc nội dung phức tạp, từ vựng chuyên ngành Tài - Kinh tế nhiều, nằm cuối test thời gian làm khoảng 20-25 phút nên dễ gây tâm trí rối loạn Cá nhân thấy nên làm phần trước làm 35 câu đỡ bị rối vào phút cuối Ngoài ra, đoạn văn điền từ vầy, đọc hiểu, cịn phải biết đốn ý tác giả, khó lựa chọn đáp án, mà lựa chọn mặt ngữ pháp, trái ngược nghĩa, buộc phải đọc gần hết toàn để đoán ý tác giả chỗ tăng hay giảm để chọn cho thích hợp T_T Thi nghe câu nói : "Đề anh văn khó quá!" Bài Reading: Landlords focus on cheaper end of buy-to-let market Purchasers of buy-to-let properties are turning to the cheaper (56) of the market as low rates encourage buying but incoming regulation douses demand for more expensive (57) www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @ThiNganHang www.facebook.com/ThiNganHang Landlord borrowers are moving away from higher-priced properties towards those valued below £150,000, according to research that tracks 250,000 monthly mortgage product searches carried (58) through price comparison websites The data, produced by the broker Mortgage Advice Bureau and search tool provider Twenty7Tec, will cause concern (59) housing policymakers who have warned of intensifying competition (60) first-time buyers and buy-to-let landlords for affordable properties The buy-to-let (61) has been growing rapidly: gross mortgage lending for buy-to-let has (62) from £16.4bn in 2012 to £27.4bn in 2014 and is forecast to reach £31bn in 2015 The researchers found the proportion of searches for mortgages on homes worth less than £150,000 in the three months to September 2015 rose to 35 per cent from 21 per cent in the same period last (63) Conversely, the proportion of potential buyers (64) properties worth between £250,000 and £499,999 has fallen from 44 per cent to 24 per cent over the period Brian Murphy, head of lending at Mortgage Advice Bureau, said the broker had seen a (65) in buy-to-let landlords looking for mortgages on lower-priced properties ―As rental demand remains strong nationwide, opting for a (66) property can result in more attractive yields It appears many landlords are looking to invest in areas outside the south of England, (67) property prices won’t hold them back from making a profit.‖ Some landlords are also taking advantage of low mortgage rates and rising values on their (68) properties to take equity out of their portfolio and using it as a deposit for further additions A landlord buying a home for £150,000 three years ago might typically have borrowed at a loan-to-value (69) of 75 per cent With average annual house price (70) of to per cent in recent years, they could have seen a 25 per cent (71) in value, reducing the effective loan-to-value of their mortgage to about 50 per cent or less Mr Murphy said: ―You could remortgage back up to 75 per cent or more and probably it at rates cheaper than you were originally (72) at . . . You can understand (73) the business has been growing at the rates it has.‖ Another factor is the move by George Osborne, chancellor, to limit the mortgage interest tax relief available to landlords — measures which start to come in from 2017 but which are already being (74) in by borrowers www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @ThiNganHang www.facebook.com/ThiNganHang David Lawrenson, a landlord adviser at LettingFocus.com, said the changes have damped (75) for more expensive (76) ―By and large there’s going to be less advantage to gearing up and buying a (77) property.‖ The researchers said there was (78) that many borrowers were switching from the previous hotspots of London and the Southeast to other parts of the (79) where rents remain relatively high but prices significantly (80) ―You’re making a much better return pound for pound,‖ said Mr Murphy Choose a correct answer 56 A.end B.close 57 A.house B.homes C.mansion 58 A.in B.up C.out 59 A.between B.within C.among 60 A.between B.within C.among 61 A.property B.market C.broker 62 A.plunged B.increase C.jumped 63 A.time B.year C.week D.month 64 A.buy B.buying C.seek D.seeking 65 A.increase B.plunge C.surge D.plummet 66 A.cheaper B.higher C.less D.rise 67 A.who B.whose C.which D.where 68 A.present B.exiting C.bought D.found 69 A.rate B.ratio C.scale 70 A.depreciation B.valuation D.about C.appreciation 71 A.fall B.rise 72 A.borrow B.borrowed C.borrowing 73 A.why B.how C.that 74 A.put B.push C.factored 75 A.supply B.demand C.loss 76 A.house B.homes C.property 77 A.cheaper B.higher C.larger www.ThiNganHang.com S Á C H D.the fact D.rise – D.smaller T À I L I Ệ U T H I T U Y Ể N Trang Facebook: @ThiNganHang www.facebook.com/ThiNganHang 78 A.evidence B.believes C.factors 79 A.county B.country C.island 80 A.low B.lower C.less ĐÁP ÁN: 56A 57B 58C 59C 60A 61B 62C 63B 64D 65C 66A 67D 68B 69B 70C 71B 72C 73A 74C 75B 76B 77C 78A 79B 80B www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang ... C.less ĐÁP ÁN: 56A 57B 58C 59C 60A 61B 62C 63B 64D 65C 66A 67D 68B 69B 70 C 71 B 72 C 73 A 74 C 75 B 76 B 77 C 78 A 79 B 80B www.ThiNganHang.com S Á C H – T À I L I Ệ U T H I T U Y Ể N Trang ... Facebook: @ThiNganHang www.facebook.com/ThiNganHang 78 A.evidence B.believes C.factors 79 A.county B.country C.island 80 A.low B.lower C.less ĐÁP ÁN: 56A 57B 58C 59C 60A 61B 62C 63B 64D 65C 66A 67D 68B... B.borrowed C.borrowing 73 A.why B.how C.that 74 A.put B.push C.factored 75 A.supply B.demand C.loss 76 A.house B.homes C.property 77 A.cheaper B.higher C.larger www.ThiNganHang.com S Á C H D.the