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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 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 phrase “facing foreclosure”most probably implies______.
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 phrase “facing foreclosure”most probably implies______.
A.the widows are pressured to lose their own names
B.the widows may be forced to leave their homes
C.the widows have misunderstood the reverse mortgage
D.the widows do not know what their long-desired things are
B.the widows may be forced to leave their homes
C.the widows have misunderstood the reverse mortgage
D.the widows do not know what their long-desired things are
参考答案
参考解析
解析：本题考查的是细节理解。
【关键词】"facing foreclosure"most probably implies
【主题句】 第2自然段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.另一些则向老年人推销贷款，承诺贷款是免费的，可以用来为他们长期想要的东西买单，而没有清楚地解释风险。一些寡妇被迫未在合同上写上自己的名字，而没有被告知，在丈夫去世后，她们可能会面临丧失抵押出去的房产。
【解析】本题的问题是“短语"facing foreclosure"（面对丧失抵押品赎回权）最可能暗示____”。 A选项“寡妇被强迫舍弃自己本来的名字”；B选项“寡妇可能被强迫离开自己的家”；C选项“寡妇误解了反向抵押贷款”；D选项“寡妇不知道自己长久以来渴望得到的东西是什么”。根据题目中关键词找到主题句，在签署反向抵押贷款合同时，一些寡妇没有在合同上签字，因此在丈夫去世后，她们可能会丧失自己的房产。故B选项正确。
【关键词】"facing foreclosure"most probably implies
【主题句】 第2自然段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.另一些则向老年人推销贷款，承诺贷款是免费的，可以用来为他们长期想要的东西买单，而没有清楚地解释风险。一些寡妇被迫未在合同上写上自己的名字，而没有被告知，在丈夫去世后，她们可能会面临丧失抵押出去的房产。
【解析】本题的问题是“短语"facing foreclosure"（面对丧失抵押品赎回权）最可能暗示____”。 A选项“寡妇被强迫舍弃自己本来的名字”；B选项“寡妇可能被强迫离开自己的家”；C选项“寡妇误解了反向抵押贷款”；D选项“寡妇不知道自己长久以来渴望得到的东西是什么”。根据题目中关键词找到主题句，在签署反向抵押贷款合同时，一些寡妇没有在合同上签字，因此在丈夫去世后，她们可能会丧失自己的房产。故B选项正确。
更多 “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 phrase “facing foreclosure”most probably implies______. A.the widows are pressured to lose their own names B.the widows may be forced to leave their homes C.the widows have misunderstood the reverse mortgage D.the widows do not know what their long-desired things are” 相关考题
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