首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
公务员
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
admin
2019-11-28
34
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 mort-gage 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 afrord 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 hames 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 mortgage 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 regard to suitability,”said Lori Swanson,the Minnesota attorney general,who is working on reforming the reverse mortgage market.
请回答下列问题。
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/5ojY777K
本试题收录于:
银保监财会类题库国家公务员分类
0
银保监财会类
国家公务员
相关试题推荐
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouseowner,forexample,knowsthathispro
Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,which
Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouseowner,forexample,knowsthathispro
随机试题
在建筑物的测设方法中,( )适用于测设点靠近控制点,便于量距的地方。
在道教宫观中,一般来说()是道观的主殿。
赵某想要在一条河的附近开办一家化肥厂,向县工商局申请营业执照。县工商局在审查时发现该厂距离河水很近,如果化肥厂管理不善,很有可能污染河水,对附近居民生活造成影响。则下列关于行政机关的做法正确的是:()
A.骨擦音或骨擦感B.血压降低C.持续高热D.功能障碍骨折专有体征
在手术中发现手套破裂应
下颌前伸位记录的目的是
根据上述经济业务,登记给出的银行存款口记账(每日需结出余额),并结出5月未的银行存款日记账余额。2008年6月5日,利浦公司收到银行寄送的银行对账单,银行对账单数据表明,利浦公司2008年5月31日银行存款余额为304000元。经逐步核对,发现有以
“申报日期”栏应填()。“净重”栏应填()。
面对个别旅行者恶意攻击和污蔑我国的言论,导游员应该()。
对于礼宾次序的安排正确的选项有()。
最新回复
(
0
)