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(每小题的备选答案中有一个或一个以上符合题意) 某临街住宅楼于1996年末建成，砖混结构，共5层。4年前经有关部门批准，该楼一层全部改为店铺或餐馆。经调查，一层产权人的经营方式有出租和自营两种情况。 该楼三层城市常住人口贾某，身体健康，现与装修公司签订合同准备对住宅进行较高档次装修，并以装修工程款的50%作为首付款支付给了装修公司，剩余部分贾某拟申请个人住房贷款解决，他应具备的条件是( )。
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Passage One Thousands of years ago, in the middle of an ocean, miles from the nearest island, an undersea volcano broke out. The hot liquid got higher and higher and spread wider and wider. In this way, an island rose up in the sea. As time went on, hot sun and cool rains made the rock split and break to pieces. Sea waves hit against the rock. In this way, soil and sand came into being. Nothing lived on the naked soil. And then the wind and birds brought plant seeds, spiders and other little living things there. Only plants could grow first. Only they, in sunlight, could produce food from the soil, water and air. While many animals landed on the island, they could find no food. A spider made its web uselessly,because there were no insects( 昆虫) for its web to catch. Insects couldn’t stay until there were plants for them to eat. So plants had to be the first life on this new island. The word “naked” (in para. 3) could be replaced by which of the following（）
Passage Two Ernest Miller Hemingway was born on July 21, 1899 in Oak Park, Illinois. In the nearly sixty two years of his life that followed, he built a literary fame unsurpassed ( 无法超越) in the twentieth century. As a boy he was taught by his father to hunt and fish along the shores and in the forests around Lake Michigan. The Hemingways had a summer house in northern Michigan, and the family would spend the summer months there trying to stay cool. Hemingway would either fish the different streams that ran into the lake, or would take the small boat out to do some fishing there. He would also go squirrel hunting in the woods, discovering early in life the peace to be found while alone in the forest or going through a stream. It was something he could always go back to throughout his life, and though he often found himself living in major cities like Chicago, Toronto and Paris early in his life, once he became successful he chose somewhat isolated places to live in. When he wasn’t hunting or fishing his mother taught him the good points of music. She was a skilled singer who once had wished a life on stage, but at last settled down with her husband and spent her time by giving voice and music lessons to local children, including her own. Hemingway was never talented for music and suffered through singing practices and music lessons, however, the musical knowledge he got from his mother helped him share in his first wife Hadley’s interest in the piano. The passage is most probably from（）.
变形缝包括伸缩缝、沉降缝和防震缝，其中伸缩缝和沉降缝可以互相替代。（）
偶然所得，因为不是固定收入，所以不属于个人所得税的征收范围。（）
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