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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。（）
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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( )。
(三)甲房地产开发公司(以下简称甲公司)以2500万元依法取得了1hm2综合用地的土地使用权。该地块地上容积率为6，建筑密度为50%，可建一幢16层的商住综合楼和一幢5层办公楼。商住综合楼1-4层为建筑面积相同的商业用房，5～16层为建筑面积相同的住宅;办公楼总建筑面积5000m2，各层建筑面积相同。该地块土质较差，地下水位较浅，需采取一定工程措施改善条件方适用于建造。假定该综合楼单位建筑面积造价包括建安工程费、勘察设计与前期工程费、管理费用、销售费用、投资利息等合计为2000 元/m2，土地开发和房屋建设的正常成本利润率为30%，销售税费率为6%。乙公司依法与甲公司签订土地使用权转让合同，购买办公用地使用权进行自建，成交价格为500万元。在建办公楼时，乙公司以抵押方式向丙商业银行贷款400万元，另从私人手中借得部分资金，乙公司应要求对所抵押的在建工程办理保险，并与丁财产保险公司签订了保险合同。 甲公司实现综合楼开发正常利润时，该楼盘平均销售价格应为（）元/m2。
债券的流动性越强，收益率越高。（）
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