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
25
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
刚刚过去的春节长假,文化消费市场可谓精彩纷呈。从北方逛庙会、看冰灯,到南方逛花市、水乡游;从城市电影票房、演出市场屡创新高,到乡村文化大集、农民春晚渐成风尚,无一不是人们对文化消费旺盛需求的生动写照和最好诠释。对于今天富裕起来的中国人来说,春节已经不仅仅是
智能机器人产业是G省战略性新兴产业之一。2020年前三季度,G省智能机器人产业纳入规模以上工业统计的法人单位共140家,完成总产值306.90亿元,占全部规模以上工业产值的0.3%,同比增长29.8%,增速高于全部规模以上工业产值32.8个百分点;前三季
智能机器人产业是G省战略性新兴产业之一。2020年前三季度,G省智能机器人产业纳入规模以上工业统计的法人单位共140家,完成总产值306.90亿元,占全部规模以上工业产值的0.3%,同比增长29.8%,增速高于全部规模以上工业产值32.8个百分点;前三季
某在线教育机构在网上推出了一个面向中小学生的直播课,这个直播课在试播时组织了很多中小学生和家长免费观看,获得了很高的评价,但是在正式播出后,在线收看的人数并不理想。下列选项最不能解释这一现象的是:
以下机构按照成立时间的先后顺序排列,正确的是:①国家乡村振兴局②中华人民共和国教育部③中华人民共和国文化和旅游部④中央人民政府驻香港特别行政区维护国家安全公署
2020年上半年,我国农产品进出口总额达1159.0亿美元。农产品进口额为807.5亿美元,同比增长13.2%。受新冠肺炎疫情影响,我国农产品出口额同比下降3.8%,为351.5亿元。 在我国的农产品进口中,除大洋洲农产品进口额同比下降1.9个百分点外
下图是一辆汽车行驶在道路上速度(V)随时间(T)变化的关系图,则下列说法正确的是:
根据我国法律规定,下列表述正确的是:
实际上普通话和方言不是同一层次上的交际工具。普通话是全民共同语,是官方语言,而方言是区域性的,是民间语言。通过明确________,普通话和方言可以做到并行不悖,甚至________,相得益彰。填入横线处的词语最恰当的一项是:
圆雕是指不附着在任何背景上、可以从各个角度欣赏的立体的雕塑。其手法与形式多种多样,有写实性的与装饰性的,也有具体的与抽象的、着色的与非着色的等。根据上述定义,下图所示雕塑作品中,属于圆雕的是:
随机试题
Mostanimalshavelittleconnectionwithanimalsofadifferentkind,unlesstheyhuntthemforfood.Sometimes,however,twoki
完带汤的功用是
患者女,30岁。牙体缺损拟行冠修复,牙体预备后常规制取印模。在用石膏灌注工作模型时,以下做法正确的是
患者,男性,20岁,因“突起高热3天”以“流行性乙型脑炎”收治入院。查体:体温39.8℃,脉搏120次/分,呼吸38次/分,节律不整,对光反射迟钝,肺部可闻及干湿啰音,颈强直(+)。此期患者可出现的三个最主要的凶险症状是
成就动机
某办公室有张、王、李、刘、陈五人,其中张、王、李对五人年终评优的结果推测如下:张:如果陈没有被评定为优秀,则我也不会被评定为优秀。王:我和刘、陈三人要么都优秀,要么都不优秀。李:如果我被评定为优秀,则王也被评定为优秀。评定结果出来后,发现三个人的预
某个饭店中,一桌人边用餐边谈生意。其中,一个人是哈尔滨人,两个人是北方人,一个人是广东人,两个人只做电脑生意,三个人兼做服装生意。假设以上的介绍涉及这餐桌上所有的人,那么,这一餐桌上最少可能是几个人?最多可能是几个人?
以下关于C语言文件系统的叙述中正确的是()。
需求分析的主要任务是()。
A、CEOsaremoreskillfulatnegotiating.B、Itisabasicskillinbusinessworld.C、TempsecretariesuseitmorethanCEOs.D、It
最新回复
(
0
)