2. 公务员
  3. The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out．Reverse mortgages，which

The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out．Reverse mortgages，which

admin2020-02-28  75
问题      The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out．Reverse mortgages，which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die，have long been said with problems．Now，federal and state regulators are documenting new instances of abuse as smaller mortgage brokers，including former sub-prime lenders，flood the market after the recent exit of big banks and as defaults on the loans hit record highs．
    Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them，without mentioning the property taxes and maintenance．Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things，without clearly explaining the risks．Some widows were pressured not to have their names on the contract，without being told that they could be left facing foreclosure after their husbands died．
    Now，as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings，the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders．More than 775，000 of such loans are outstanding，according to the federal government．
    Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead up to the financial crisis when consumers were marketed loans——often carrying hidden risks——that they could not afford．“There are many of the same red flags，including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability，”sad Loft Swanson，the Minnesota attorney general，who is working on reforming the reverse mortgage market．
Which is true about the new rules from Consumer Financial Protection Bureau?
选项 A、The rules are good for lenders while bad for borrowers．
B、The rules will help baby boomer seniors to save money．
C、The rules will help consumers better understand reverse mortgage．
D、The rules will be stricter for consumers．
答案C
解析 细节题。根据第三段第一句后半部分“the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders．”可知，C项“这些规定将帮助消费者更好地理解反向抵押贷款”为正确答案。A项表达与文中相反，应该是“这些规则对借款人有利，对贷款人不利”。B项原文未提及。D项“这些规定将对消费者更加严格”表述有误，应该是对“贷款人”更严格，因此错误。故本题选C。
转载请注明原文地址:https://kaotiyun.com/show/2GjY777K
本试题收录于： 银保监财经类题库国家公务员分类
0

银保监财经类

国家公务员

相关试题推荐
随机试题
最新回复(0)