[ABC 1-7] 역모기지론의 함정

[charliek]

[1-7] CONSUMER WATCHDOG: BIG PITCH

DIANE SAWYER (ABC NEWS)(OC): And now, we turn to our "Consumer Watchdog."  The government [1]sounding the alarm tonight about something that [2]affects millions of older Americans.  You may have seen these [3]commercials calling for [4]a reverse mortgage, but tonight, ABC News has learned there is growing concern and the government may be ready to take action.  Here's ABC's senior national correspondent Jim Avila.

LINDA MCMAHON (HOMEOWNER): It was just grand.  This was our dream.

JIM AVILA (ABC NEWS)(VO): [5]The family home, dream and nest egg for Wisconsin's Linda and Jim McMahon, until it had to [6]be sold out from under Linda to [7]pay back a reverse mortgage as soon as her husband died.

LINDA MCMAHON (HOMEOWNER): I get a letter, sorry to hear about your husband passing away.  Buy the house or move out.

JIM AVILA (ABC NEWS)(VO): Reverse mortgages [8]give homeowners an immediate cash payment [9]in exchange for future equity, allowing them to stay in the house until death.  But [10]only people 62 and older qualify.  [11]Linda was too young to be on the mortgage, so when her older husband died, she lost everything.  [12]It's only one danger inherent in the reverse mortgage.

FRED THOMPSON (SPOKESPERSON): Hi, I'm Fred Thompson.

HENRY WINKLER (SPOKESPERSON): Hi, I'm Henry Winkler.

JIM AVILA (ABC NEWS)(VO): Critics say the [13]TV commercials prey on vulnerable seniors.  And today, the government is warning reverse mortgages are not free money.

FRED THOMPSON (SPOKESPERSON): [14]Turn their equity into tax-free cash.

HENRY WINKLER (SPOKESPERSON): Give you tax free cash.

PRESCOTT COLE (CALIFORNIA ADVOCATES FOR NURSING HOME REFORM): They're not being told about [15]the down sides.

JIM AVILA (ABC NEWS)(VO): Right now in America, [16]57,000 seniors in reverse mortgages are [17]in danger of losing their homes.  A nearly 10% [18]foreclosure rate, four times higher than traditional mortgages.

JIM AVILA (ABC NEWS)(VO): Tomorrow, [19]the Department of Housing and Urban Development will recommend Congress [20]prohibit large lump sum payments.  And recommend seniors be very careful with reverse mortgages.

JIM AVILA (ABC NEWS)(OC): Is a reverse mortgage the last option?

HUBERT HUMPHREY (CONSUMER FINANCIAL PROTECTION BUREAU): I really think it should be.  Absolutely.

JIM AVILA (ABC NEWS)(VO): An option…

LINDA MCMAHON (HOMEOWNER): It's a wonderful house.

JIM AVILA (ABC NEWS)(VO): …Linda McMahon regrets taking.

LINDA MCMAHON (HOMEOWNER): I hope somebody will enjoy it.

JIM AVILA (ABC NEWS)(VO): Jim Avila, ABC News, Washington.

---

[1] 경보를 울리다/경고를 하고 나서다/주의를 촉구하다  

[2] 수백만 노인과 상관 있는

[3] 상업 광고

[4] 역모기지론

[5] 집, 꿈 그리고 (최후의) 생계 유지 수단

[6] 린다의 소유하에서 매각되다

[7] 역모기지론을 상환하다

[8] 집 소유주에게 바로 현금을 주다

[9] 미래 소유권을 담보로 (교환 조건으로)

[10] 62세 이상만 자격이 되다

[11] 린다는 너무 젊어서 역모기지론의 조건이 되지 않는다

[12] 역모기지론 제도가 품고 있는 위험성 한 가지에 불과하다

[13] TV 광고들이 노리는 대상은 약한 노인들이다

[14] 자신들이 갖고 있는 자산을 무과세 현금으로 전환하다

[15] 단점들

[16] 역모기지론을 이용하고 있는 5만 7천 명의 노인들

[17] 집을 잃을 위험에 처해 있다

[18] 압류율

[19] 주택도시개발부

[20] 일괄 지급을 금지하다