2. 公务员
  3. 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

admin2020-02-28  73
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 “red flags” of reverse mortgage don’t include__________．
选项 A、explosive growth
B、the reform of reverse mortgage market
C、little consideration to suitability
D、aggressive and improper marketing
答案B
解析 细节题。根据第四段第二句“‘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．’”结合所给选项可知，A项“爆炸性增长”、C项“很少考虑适用性”和D项“激进且不当的营销”正确。故本题选B。
转载请注明原文地址:https://kaotiyun.com/show/mSkY777K
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
随机试题
最新回复(0)