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Passage 8

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 and 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 pitching loans to seniors who cannot afford the fees associated with them,not to mention the property taxes and maintenance.Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises,without clearly explaining the risks.Some widows are facing eviction after they say they were pressured to keep their name off the deed 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 minted 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 multibillion-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.

Which is true about the problem of reverse mortgage（　　）.

A.Some lenders are unwilling to lend money to seniors
B.The borrowers cannot pay back the money as expected
C.Federal and state regulators are documenting the objection
D.Some lenders go bankrupt

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答案： B

本题解析：

根据题干关键词the problem of reverse mortgage定位至首段可知作者提出问题之后提到了federal and state regulators的做法，可知接下来将会描述问题所在。根据第二段Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them…Others are wooing seniors…without clearly explaining the risks.可知反向抵押贷款最大的问题是借贷者无法按预期还贷，B项表述正确。选项A：有些贷方不愿意贷款给老年人，与文意表达相反；选项C是解决问题的对策，并不是问题本身；选项D：一些贷款机构破产，这是反向抵押贷款问题产生的后果，而不是问题本身，表述错误。故本题正确答案选B。