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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
51
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。
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本试题收录于：
银保监财经类题库国家公务员分类
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国家公务员
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