2. 从业资格
  3. 资料：（二） The very loans that are supposed

资料：（二） The very loans that are supposed

最全题库2022-08-02  11
问题 资料：（二）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 foreclosureafter 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 Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market. The“red flags ”of reverse mortgage don't include______.A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing
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 本题考查的是细节理解。
【关键词】The"red flags"of reverse mortgage;don't include
【主题句】第4自然段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。有许多相同的危险信号，包括爆炸性的增长，以及这些贷款常常被大肆宣传而不考虑是否合适。
【解析】本题的问题是“反向抵押贷款的‘危险信号’不包括____”。 A选项“爆炸性增长”；B选项“反向抵押贷款市场的改革”；C选项“对适用性不加考虑”；D选项“咄咄逼人、不当的宣传销售”。根据题目中关键词找到主题句，A、C、D三个选项符合危险信号，故B选项正确。
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