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
88
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.
What can we learn about mortgage loans from the first paragraph?
选项
A、The loans are expected to help seniors stay in their homes.
B、The loans are driving all seniors out of their homes.
C、The reverse mortgage only welcomes seniors.
D、Any senior can apply for reverse mortgages.
答案
A
解析
细节题。根据第一段第一句“The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.”可知,A项正确。其中expected是第一段第一句关键词supposed的同义替换。B、C两项说法过于绝对。文中提及“Reverse mortgages,which allow homeowners 62 or older to borrow money against the value of their homes”,因此D项“Any senior can apply for reverse mortgages”错误。故本题选A。
转载请注明原文地址:https://kaotiyun.com/show/hGjY777K
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
网络营销是企业整体营销战略的一个组成部分,是建立在互联网基础之上,借助于互联网来更有效地满足顾客的需求和欲望。从而实现企业营销目标的一种手段。根据上述定义,下列属于网络营销的是:
泛化指某种特定刺激的条件反应形成后,另外一些类似的刺激会诱发同样的条件反应。新刺激越近似于原刺激,条件反应被诱发的可能性就越大。根据上述定义,下列可以称为泛化现象的是:
牙膏的主要成份包括摩擦剂、胶黏剂、洁净剂、保湿剂、防腐剂、芳香剂和水等,生产厂家有时会在其中添加相应成份来实现其特殊功效。下列关于牙膏成份作用的说法正确的是:
下列变化过程中包含化学反应的有:①鬼火②光合作用③水垢形成④高粱酿酒⑤舞台云雾的生成
“十四五”时期是我国全面建成小康社会、实现第一个百年奋斗目标之后,乘势而上开启全面建设社会主义现代化国家新征程、向第二个百年奋斗目标进军的第一个五年。下列有关“十四五”规划说法正确的是:
中国创新指数情况在2019年中国创新环境指数中,下列评价指标同比增速最慢的是:
当我们治理骚扰短信时,首先需要面对的问题是,我们在治理谁?对于短信内容提供者,他们的责任当然应该追究,但骚扰短信全面________,电信运营商在监管上失职,甚至私下串通、勾结(频繁曝出电信运营商地方分公司为垃圾短信发送提供便利)的责任也是________
单位环境犯罪是指公司、企业、事业单位、机关、团体违反环境保护法规,故意或过失地不合理开发利用自然资源,或者超标准排放各种废弃物,造成严重损害后果或有造成严重损害危险的以及抗拒环保行政监督、情节严重的行为。根据上述定义,下列属于单位环境犯罪的一项是:
Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouseowner,forexample,knowsthathispro
Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouseowner,forexample,knowsthathispro
随机试题
A.常蔓延数个椎体,晚期增生明显,骨性融合成块B.常累及多数椎骨,同时伴有双骶髂关节病变;晚期韧带钙化呈竹节样,椎体无破坏C.累及单个椎体,椎间隙正常,常有椎弓根破坏D.骨质增生及间隙变窄,椎体边缘硬化,无骨质破坏E.椎体破坏,可有死骨,椎体压缩呈
肺毛细血管压升高出现急性肺水肿时,其值大于
通用硅酸盐水泥的初凝时间不小于()
以下有关扣件式钢管脚手架搭设正确的是()。
开拓新水平的井巷第一次接近未揭露的各煤层时,应做到()。
终端与微型计算机的根本区别是终端没有自己的控制器和内存。()
标准正态随机变量x取一点0的概率尸(x=0)为()。[2007年真题]
甲、乙两种物质分别依赖自由扩散和协助扩散进入细胞,如果以人工合成的无蛋白磷脂双分子膜代替细胞膜,并维持其他条件不变。则()。
【2014.贵州三穗】能鉴别学业水平高低、能力强弱的测验表明其()很高。
GoingGreenAfterGrayVisantoMelina,R.D.,gotthesurpriseofhercareerlastyear,whenSeattle-basedvegetariannutriti
最新回复
(
0
)