9月GMAT阅读机经:美国楼房政策.

　　9月GMAT机经换库了，现在就由小编来为大家整理九月份的GMAT阅读机经整理，下面是关于GMAT阅读机经的相关问题，分享给大家，希望对大家有所帮助，文中观点仅供参考。

　　本月原始V1【By joanfighter】

　　一篇讲美国经济的 tax deduction，鼓励那些有钱人多消费 然后作者说这种policy真的很莫名其妙，举了三段的自己的意见来反驳 tax deduction 针对有钱人 实际上不平等增加 然后又讲说钱从消费者到销售者手里 换来换去没有增加实际的收入 还有一段没看懂= =

　　整理分析【By 元叔】

　　※ 主题思路：

　　美国政府为了刺激房市，推出政策给贷款购房者提供税收优惠，然后经济学家对此进行反驳，一个三个原因：

　　1)商业贷款可待，银行的钱都带给个人买房了。

　　2)房价升高。说如果对demand补贴的话，如果supply 没有弹性的话，房价会升高。LZ是经济学出身，所以这篇文中不难

　　3)是这个反而会加剧贫富分化什么的，因为这个政策对于高收入的人比对低收入的人更有利

　　三点补充：

　　第一是造成没有商业贷款可待，银行的前都带给个人买房了。(没记准确)

　　第二是使得房价升高。说如果对demand补贴的话，如果supply 没有弹性的话，房价会升高。LZ是经济学出身，所以这篇文中不难

　　第三个事这个deduction是累退的，有题目问可以证明累退的例子跟analogy题比较像。

　　※ 段落大意：

　　第一段：提出 Tax deduction，专家三个方面驳斥

　　第一段说提出了taxdeduction, 专家criticize。后面三段说了三个方面。第一个，mortgage什么的;第二个，提到一个情况是inelastic了会怎么样，(至少有两道题的选项中提到过这个地方);第三个，不平等，高收入的人benit多。(有一题问以下哪个描述的是跟文章这种情况相似，我选了一个也是说穷人没有有钱人买什么东西划算~大概意思了)。

　　第二段：政府对所有人同样的方案

　　随后一段说，政府还是就整一个对于所有人都一样l的tax方案吧，这样能公平点。有主旨题。细节题、推断题(都很复杂，选项巨长)，还有一个问最后一段提出的那个方案的。

　　※ 备注：

　　细节题暴多无比

　　※ 背景资料以参考文献(感谢superzhaos)

　　At first blush, the mortgage interest income taxdeduction seems like a greatthing. You get to deduct your mortgage interest from your income. This savesyou money and encourages homeownership nationwide (believed to produce positiveexternalities such as crime reduction, community, etc.).

　　But beneath the surface, themortgage tax deduction disproportionately benits the wealthy and createsperverse incentives and market distortions that are plainly bad for America. Ideal with these issues one by one:

　　(1) Good for the rich: since theUS tax code allows the deduction of mortgage interest directly from yourincome, those that benit the most are those with the most income. The verypoor cannot afford to buy a home, so they do not benit at all. Poorhomeowners benit very little because they do not pay much in income taxes.But the wealthy receive huge tax breaks from the interest on their jumboMcMansion mortgages.

　　(2) Perverse incentives: becauseof the huge mortgage interest tax break, high income earners are then encouraged(and subsidized) to buy ever more expensive mansions and borrow even more moneythrough ever larger jumbo mortgages.

　　What to Do Next

　　The rational policy choice wouldbe to eliminate the mortgage tax deduction. The federal government can stillencourage homeownership (distinguished from mansion-buying) by instituting aHousing Tax Credit. The credit could be cost-neutral and take the average costper family of the current deduction, and give that amount out as a tax creditto any family or individual who wishes to purchase a home. A standard creditwould make sure that regardless of a family&aposs income they would receive thesame nominal incentive. This would provide more incentive for poor people tobuy a home (the credit would likely be worth more to them than the currentdeduction) and waste less taxpayer money on subsidizing the mansions of thewealthy. Moreover, such a policy could potentially spur homeownership amonglower-income families which could help us dig our way out of the housingcrisis. Let&aposs hope the next president has the foresight to do something aboutthis

　　9月GMAT机经换库了，现在就由小编来为大家整理九月份的GMAT阅读机经整理，下面是关于GMAT阅读机经的相关问题，分享给大家，希望对大家有所帮助，文中观点仅供参考。