[单项选择]{{B}}Passage Two{{/B}}

Commercial banks provide long-term mortgage loans to borrowers (consumers) to purchase houses/land. The ownership of the {{U}} (61) {{/U}} remains in mortgagee and the possession of property usually remains in {{U}} (62) {{/U}} unless and until the occurrence of default or full repayment. Maturity of such loans is usually 30 years and the interest rates are {{U}} (63) {{/U}} Maximum amount of such loans is {{U}} (64) {{/U}} of the property value, and the balance should be paid {{U}} (65) {{/U}} as down payment.

A. in cash
B. in advance
C. in time
D. in currency

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