资料：（二）Theveryloansthataresuppo-名校题库网

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.

What can we learn about mortgage loans from the first paragraph?

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

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答案： A

本题解析：

本题考查的是细节理解。

【关键词】mortgage loans；first paragraph

【主题句】第1自然段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. 本来应该帮助老年人留在家中的贷款在很多情况下反而把他们逐出家门。长期以来，人们一直说反向抵押贷款存在问题，这种贷款允许62岁以上的房主以房屋价值为抵押借款，直到他们搬出去或死后才还款。

【解析】本题的问题是“从第1段中，我们对反向抵押贷款有什么了解？”。 A选项“贷款本来的预期是帮助老年人留在家里”；B选项“贷款正在将所有的老年人赶出家门”；C选项“反向抵押贷款只欢迎老年人”；D选项“任何老年人都能申请反向抵押贷款”。根据题目中关键词找到主题句，可以看出反向抵押贷款的初衷本来是帮助老年人留在家中，但往往结果是使老年人丧失房产。故A选项正确。B选项“all”,C选项“only”，D选项“any”的说法过于绝对。