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
2020-02-28
42
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 fraught with problems.But,federal and state regulators are documenting new instances of abuse as smaller mortgage brokers,including former subprime lenders,flood the market after the recent exit of big banks and as defaults on the loans hit record rates.
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 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.
The phrase “facing foreclosure” most probably implies__________.
选项
A、the widows are pressured to lose their own names
B、the widows may be forced to leave their homes
C、the widows have misunderstood the reverse mortgage
D、the widows do not know what their long-desired things are
答案
B
解析
细节题。根据第二段第三句“Some widows were pressured not to have their names on the contract”可知,A项错误。C、D两项原文未提及。且根据第二段第三句后半部分“without being told that they could be left facing foreclosure after their husbands died.”可推知,B项“寡妇被迫离开家”正确。故本题选B。
转载请注明原文地址:https://kaotiyun.com/show/QSkY777K
本试题收录于:
银保监法律类题库国家公务员分类
0
银保监法律类
国家公务员
相关试题推荐
经过岁月的________、竞争的挑选,那些卓然而立的名校,从不会迷失自己、丢失特色,而是沉着地做精神的坚守者,勇毅地做思想的________。不尚名利,但求真理,唯有高扬这样的价值取向,高校的发展生态才会得到________,良性竞争的种子才能广泛播撒。
契税是以所有权发生转移变动的不动产为征税对象,向产权承受人征收的一种财产税,应缴税范围包括土地使用权出售、赠与和交换,房屋买卖,房屋赠与,房屋交换等。根据上述定义,下列不需要缴纳契税的是:
为什么消费品安全常被忽视呢?原因在于假冒伪劣这些特征很好认,但是消费品安全性是否有问题是个太专业的问题,人们往往倾向于认为消费品安全事故是意外或者是使用不当所致。举个例子。2013年,洗衣机绞死女童事件曾经轰动一时,事发时,大家觉得是一场意外,是家长的疏忽
互联网电商平台已成为知产权犯罪的高发区域,针对这一现象,阿里巴巴首次聘请10位“特邀知识产权保护监督员”,包括人大代表、政协委员和商家代表,参与电商平台的知识产权保护工作。除了开放电子邮箱统一收集处理监督员反映的情况外,电商平台还制定了监督员履职规则,监督
根据联合国官网,联合国大会将“青年”定义为年龄介于15岁至24岁之问(含15岁和24岁)的那些人。根据中共中央、国务院近日印发的《中长期青年发展规划(2016—2025年)》所指的“青年”年龄范围是14~35周岁。以下各项说法能够从题干中推出的是:
近些年,海外代购成为国人较为青睐的购物方式,代购的销售量和收益在迅速增长,其中商品的来源大多是日本和韩国。代购者从海外购买相应产品,通过旅游、海外探亲等渠道避开关税.卖给内地顾客从中收益,而政府也就损失了这部分的税收收入。专家指出政府应当严厉打击和限制这种
从传播学领域看,互联网正在重新定义现有的一切:生产方式、消费方式、传播方式以及人与人之间的关系等。互联网不是一个行业,它更像一种基础设施、一种支撑社会的全新技术形态。社会成员、各行各业只有理解它、适应它、依靠它,在它的基础上被改造后才能继续发展,传媒领域也
某县为了改善办学条件,计划集中采购一批投影仪和教室音响。已知购买2套教室音响比购买3台投影仪多4000元,购买4套教室音响和3台投影仪共需要71000元。则1套教室音响比1台投影仪贵:()
某商场为了促销,进行掷飞镖游戏。每位参与人员投掷一次,假设掷出的飞镖均扎在飞镖板上且位置完全随机,扎中中间阴影部分区域(含边线)即为中奖。该商场预设中奖概率约为60%,仅考虑中奖概率的前提下,以下四幅图形(图中的正三角形和正方形均与圆外切或内接)最适合作为
Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouseowner,forexample,knowsthathispro
随机试题
一般来讲,零件的形状误差应限制在位置公差内,而位置公差应限制在尺寸公差内。
王无罪岁,斯天下之民至焉。答案:
Therearesome______flowersonthedesk.
某钢铁厂的焦化车间,属于()
根据我国票据法的规定,现金支票与转账支票的关系是()。
X股份有限公司(以下简称X公司)系公开发行A股的上市实体,北京ABC会计师事务所注册会计师A担任X公司2014年度财务报表审计的项目经理,注册会计师B为主任会计师。资料一:A注册会计师在审计工作底稿中记录了所了解的X公司情况及其环境,部分内容摘录如下:
2020年是中国人民志愿军抗美援朝出国作战70周年。关于抗美援朝战争,下列说法不正确的是:
2012年某市开展了市民阅读情况调查。调查采取随机抽样方式,访问了本市12周岁以上的1000名市民。调查显示,多数受访者保持每天阅读的良好习惯。其中,阅读时间在1~2小时的为44.8%,2~3小时的为11.6%,3小时以上的为7.5%。
单链表中有10个元素,head是表头,以下代码结束后,X存放表中第7个结点指针的概率是()。(rand()返回一个随机整数,为0到机内最大整数之间的一个数)intm=0;linkt,x;for(t=head;t!=NULL;
Whichofthefollowingwaysofword-formationdoesn’tchangethegrammaticalclassofthestems?
最新回复
(
0
)