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
87
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
下列各个选项都是跟环境相关的纪念日,其中名称和时间对应错误的是:
某货运公司承运一批工艺品,每件运费20元。如果运输途中出现破损,那么每件破损的工艺品不仅收不到运费,还要赔偿30元。运输完成后发现,工艺品的破损率为6.4%,最终货运公司收到了16800元运费,则运输途中破损的工艺品有()件。
党的十九届五中全会提出,坚持()在我国现代化建设全局中的核心地位,把科技自立自强作为国家发展的战略支撑。
色素色是指有机色素通过选择性地吸收、反射和投射特定频率的光线后直观呈现出的颜色。结构色又称物理色,是指通过可见光与物质物理上的微观结构(如物体表面或表层的纹、刻点、沟缝或颗粒等)发生相互作用,这些大量的微观有序结构对不同波长的光散射、衍射或干涉后产生的各种
橄榄油被用于制作肥皂,最早的________资料显示是在公元前2000年,在苏美尔地区发现的黏土片,极像是________的油脂与碱、钾、钠、树脂和盐多种成分混合的产物。当时,人们用橄榄油和一种常见植物燃烧后的灰烬中的碱来制作肥皂。 依次填入划横线部分
先赋资本是指建立在血缘、遗传等先天条件下,不经过个人努力就可以拥有的资本。自致资本是指通过个人后天努力取得,为个人所支配的资本。根据上述定义,下列选项中的内容均属于自致资本的是:
爆胎:事故:保险
根据下列资料,回答下列问题。2015年全社会同定资产投资562000亿元,比上年增长9.8%,扣除价格因素,实际增长11.8%。2015年,下列领域固定资产投资占比第二高的是:
①文化消费就是消费者对有形和无形的文化产品的消耗,消费过程实质上就是对文化的过程,对消费者而言,文化消费的效用是获得精神享受。文化消费基本上可分为两类:一是消费者要实现文化消费,必须支付货币,这是主要的文化消费;另一类是由政府提供的公益性的文化消费。而文化
随机试题
正常排卵妇女体温升高应持续12~14日,若短于11日,表示___________。
某男,22岁,诊断为麻疹。住院评估发现病人同学探视较多,此患者应采取的隔离措施是
女性,52岁,因不规则阴道出血及白带增多2个月来就诊。妇科检查:子宫颈呈菜花样,约3cm直径,其边缘达右侧阴道穹隆,子宫中位,6周妊娠大小,两侧附件软、宫颈活检报告为:鳞状细胞癌Ⅲ级,无远处转移。其临床分期应为
乳牙龋齿治疗原则如下,除外
房地产由于具有独一无二性,使其不像一般商品那样有一个统一的价格,可以说每宗房地产的价格都不相同;并且由于一般单位或个人不是专业从事房地产交易的,对房地产市场行情不易掌握,所以,在房地产交易时往往需要请()为其提供价格参考依据。
我国法律对基金信息披露的规范主要体现在2004年6月1日起施行的()中。
(北京2012—74)将一个白色正立方体的任意两个面分别涂成绿色和红色,问能得到多少种不同的彩色正立方体?()
•Youwillheararecruitingmanagertellinghowtofindjobsontheweb.•Asyoulisten,forquestions1-12,completethenotes
Longbeforerecordedhistory,ourancestorswerebathingforpleasureandhealth.Manhasfoundmanyinterestingwaystotakehi
A、Attherestaurant.B、Atthehospital.C、Atthetheatre.D、Atthebank.A本题为地点判断题。对话中,男士问:这个座位有人吗?女土答:没人,先前这儿有一个姑娘,吃完饭后她走了。由此可见
最新回复
(
0
)