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[单项选择]Short of money Need an instant loan Since the early 1990s your best bet has been to go to the low-rent end of town and find an appointed loan-shop. There you can borrow money in small amounts, generally not much more than $500, against your post-dated pay-cheque. You will be charged around $15 interest for every $100 you borrow--and that is per month.
For many people, there is no alternative. Banks refuse to make small loans because there is no money in it, and completely unregulated lending, via the internet or loan sharks, is too alarming. According to the Community Financial Services Association, an advocacy group for the industry, most borrowers are responsible and pay off their loans in a timely manner. But some don’t.
The Centre for Responsible Lending, a consumer group, says that many borrowers routinely roll over their loans. This quickly brings them into debt traps. A typical borrower may end up paying $793 for a $325 loan. The centre estimates that payday loans cost
A. Go to the bank and try to make a commercial loan.
B. Ask for help on the internet to get donations.
C. Get some loan at a relatively low rate from the government.
D. Borrow money from designated firms at a fixed rate.
[单项选择]
Text 4
Short of money Need an instant loan
Since the early 1990s your best bet has been to go to the low-rent end of town
and find an appointed loan-shop. There you can borrow money in small amounts,
generally not much more than $500, against your post-dated pay-cheque. You will
be charged around $15 interest for every $100 you borrow--and that is per
month. For many people, there is no alternative. Banks refuse to
make small loans because there is no money in it, and completely unregulated
lending, via the internet or loan sharks, is too alarming. According to the
Community Financial Services Association, an advocacy group for the industry,
most borrowers are responsible and pay off their loans in a timely manner. But
some don’t. The Centre for Responsible Lending, a consumer
group, says that many borrowers routinely roll over their lo A. Go to the bank and try to make a commercial loan. B. Ask for help on the internet to get donations. C. Get some loan at a relatively low rate from the government. D. Borrow money from designated firms at a fixed rate.
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