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(一)甲房地产开发公司(以下简称甲公司)开发建设——普通住宅小区，向社会公开预售。2008年12月1日，李某与甲公司签订了商品房预售合同(李某为首次购房)。房屋竣工后，经房地产测绘机构测算，该房屋套内建筑面积为70m2，阳台面积为6m2，套内墙体建筑面积9m2，分摊共有建筑面积13m2。 按现行登记，下列关于李某购买的住房可享受的税费优惠政策的表述中，正确的为（）。
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One who makes no investigation has no right to speak.
以出让方式取得国有土地使用权的，建设单位应当向城乡规划主管部门申请核发选址意见书。（）
Passage Three What will man be like in the future — in 5000 or even 50000 years from now We can only make a guess,of course, but we can be sure that he will be different from what he is today. For man is slowly changing all the time. Let us take an obvious example. Man, even five hundred years ago, was shorter than he is today. Now, on average, men are about three inches taller. Five hundred years is a relatively short period of time, so we may assume that man will continue to grow taller. Again, in the modern world we use our brains a great deal. Even so, we still make use of only about 20% of the brain’s capacity. As time goes on, however, we shall have to use our brains more and more, and eventually we shall need larger ones. This is likely to bring about a physical change tool — the head, in particular the forehead, will grow larger. Nowadays our eyes are in constant use. In fact, we use them so much that very often they become weaker and we have to wear glasses. But over very long period of time it is likely that man’s eyes will grow stronger. On the other hand, we tend to make less use of our arms and legs. These, as a result, are likely to grow weaker. At the same time, however, our fingers will grow more sensitive because they are used a great deal in modern life. But what about hair It will probably disappear from the body altogether in course of time because it does not serve a useful purpose any longer. In the future, then, both sexes are likely to be bald. Perhaps all this gives the impression that future man will not be a very attractive creature to look at. This may well be true. All the same, in spite of all these changes, future man will still have a lot in common with us.He will still be a human being, with thoughts and emotions similar to our own. Future man will probably （） .
刘某购买了一套已装修的普通商品住宅，建筑面积为120m2，总价为50.4万元。假定首付款为40%，余款向银行申请抵押贷款，贷款期限为15年，贷款年利率为4.5%。 刘某若已经以按月等额本息还款方式偿还了8年的贷款，他的该笔住房贷款余额应为( )。
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