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RAO VẶT BUÔN BÁN NHÀ CỬARAO VẶT LITTLE SAIGON

 

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NGƯỜI VIỆT RAO VẶT MIỄN PHÍCHO THUÊ NHÀ, PHÒNG

Bạn có thể bắt đầu thi lý thuyết trắc nghiệm real estate salesperson:

1. 
In the absence of any other economic changes, raising the points to be paid on a loan should:


2. 
A blanket encumbrance would have the greatest benefit to the:


3. 
Real property would not be:


4. 
A recorded trust deed referred to in other trust deeds is most likely:


5. 
A straight loan refers to:


6. 
A packaged mortgage is a loan in which:
7. 
The longer the loan (all other things being equal):


8. 
An introductory rate of interest is 3.25 percent less than the index rate of 4.25 percent and the 2.25 percent margin would set the introductory rate at:


9. 
A real property sales contract must show:
10. 
A broker advertised the APR, but did not include any other financing terms. Was the ad proper?


11. 
As to real property sales contracts for land or one to four residential units, which of the following is true?
12. 
A trust deed foreclosed as a mortgage would be foreclosed by:


13. 
The seller under a real property sales contract may not:


14. 
An individual working for a bank is paid for every real estate loan she arranges. She must:


15. 
After the three-month notification of default:
16. 
Article 5 of the Real Estate Law does not apply to:
17. 
When monthly amortized mortgage payments are equal, the interest charged is:


18. 
As to loan brokers, which of the following is true?
19. 
A deed of reconveyance moves title from:
20. 
Which of the following clauses can be disregarded by a trustor?


21. 
Whihc law applies to federally related transactions?
22. 
A borrower receives a monthly check from the lender. This is most likely a(n):
23. 
A loan's index rate is now at 5  1/4 percent. If the margin is 2.4 percent, the loan's interest should be:


24. 
Which of the following are synonymous?


25. 
Ther person signing an assignment of a land contract is:
26. 
A release clause would most likely appear in:


27. 
Proceeds from a trustee's sale go to:
28. 
A mortgagee foreclosing would first:


29. 
A borrower makes $100 amortized loan payments.


30. 
Which gives the most protection to a property owner in default?


31. 
A trust deed note showed zero interest. The IRS held that the beneficiary should pay taxes as if a reasonable rate of interest had been received. This rate set by the IRS is known as:
32. 
The Federal Reserve Board wants to tighten the money supply. What action might it take?


33. 
When a vendee under a land contrac defaults, the vendor to clear title would commence a:
34. 
The instrument that is least likely to be recorded is the:


35. 
The unsury law for individuals does not apply when:


36. 
A trust deed would most likely be discounted by:


37. 
An adjustable-rate loan is pegged at an interest rate above a loan index. This increase above the index is knows as the:
38. 
Janet assumes a trust deed from Bill.
39. 
When buying a house, a person would not receive:


40. 
A seasoned loan is:


41. 
A lender, in evaluating a prospective loan, should not consider:
42. 
Naked legal title refers to a:


43. 
An alienation clause in a trust deed prohibits:


44. 
A clause in a trust deed that allows a trustor to refinance another trust deed without relegating it to a junior priority is a(n):
45. 
The prepayment penalty on a pay off for a three-year-old conventional residential loan would be based on the:
46. 
As to points, which of the following is true?
47. 
As to beneficiary statements, which of the following is true?
48. 
You would find a subordination clause in:


49. 
A mortgage Loan Disclosure Statement is for the protection of the:


50. 
Which of the following are related to each other?


51. 
A prepayment penalty would be inconsistent with:


52. 
An endorsement on a note said "without recourse." What kind of endorsement is it?
53. 
The nominal rate of interest would be:
54. 
In a sale transaction, which party is most likely responsible for a prepayment penalty?
55. 
A land contract is most similar to a:


56. 
Warehousing is becoming extremely important in the field of finance. It refers to:


57. 
A trustor under a trust deed:


58. 
Truth in Lending disclosure when advertising a graduated payment loan would require the:
59. 
In periods of tight money:


60. 
Upon payment of a trust deed in full and on demand of the trustor, the trustee must give a deed of reconveyance:


61. 
A deficiency judgment is possible if there is:
62. 
A buyer purchases a $10,000 trust deed for $6,400. The trustor defaults. The most that the buyer of the trust deed can recover at the trustee's sale is:


63. 
The person who would wish to record a land contract would be the:


64. 
Hypothecate means:


65. 
A loan that would appeal most to a young person whose income is starting to increase would be:


66. 
Which of the following is not an element of a mortgage?


67. 
A disadvantage of a land contract to a buyer is:
68. 
To pay for an operation, a man obtains a first trust deed on his house. One day after completion of the loan, he wishes to rescind the transaction.


69. 
Total foreclosure time under a trust deed most nearly approaches:


70. 
When interest rates are high, banks increase points on some loans to:


71. 
A basic difference between trust deeds and mortgages is:


72. 
Which of the following is not required when a trust deed is paid up?


73. 
A lender was required to contact a borrower 30 days prior to a notice of default. This notification was to:
74. 
The power of sale in a trust deed would be given by:
75. 
A lender advanced credit to a consumer and took a lien on the consumer's home even though the cosumer didn't have sufficient income to pay the debt. This is an example of:
76. 
A borrower has a loan where the borrower can make monthly payments less than the interest that is accruing. This would be regarded as a(n):
77. 
A lender made a loan secured by borrower's home without regard to the borrower's ability to make the payments. This would be regarded as:
78. 
Loan payments based on a 20-year amortization schedule also require that the loan be paid in full within 10 years.


79. 
Inflation is best evidenced by a(n):
80. 
Deficiency judgments are not available to a foreclosing mortgagee if:
81. 
During the one year redemption period of a mortgagor in default:
82. 
The payments of the buyer under a land contract include taxes and insurance. The seller:
83. 
A request for notification of default would be most desired by the:


84. 
Which party to a mortgage signs the note?


85. 
A trust deed is foreclosed by the:


86. 
The vendor-vendee relatioship under a land contract is most similar to the relationship:


87. 
In a subdivision, the largest number of properties that can be covered by a trust deed without a blanket encumbrance is:
88. 
A right of possession and equitable title would be held by the:


89. 
The beneficiary must give consent before the trustor can:


90. 
A land contract clause prohibits any prepayment.


91. 
The beneficiary of a trust deed is most likely a:


92. 
Who would sign a request for reconveyance?


93. 
Large payments to a builder as work progresses would most likely be:


94. 
A trust deed is a(n):
95. 
A beneficiary sells a note secured by a trust deed. The beneficiary must:


96. 
Points go up when the going interest rate increases above a fixed lending rate. Assume that each percentage point increase in the lending rate equals 6 points. An interest rate increase from 7 1/4 percent to 8 percent would result in what decrease of points?


97. 
The release clause in a trust deed requires payments higher than they should be considerin the value of the property released. Why?
98. 
A broker is the owner of the escrow company that handles most of the office business. As to the escrow company:
99. 
A straight note would not be:


100. 
An adjustable-rate mortgage has an index that has risen from 4.5 percent to 11 percent with a margin of 2.5 percent, but the bank is charging only 12 percent interest on the loan. This lower interest is due to:


101. 
To be relieved of the primary responsibility of a loan, a seller must find a buyer:


102. 
Regarding financial institutions, deregulation means:


103. 
Making biweekly payments on a mortgage of one-half the monthly payment will result in:
104. 
A clause in a trust deed calling for assignment of rents most likely would benefit the:
105. 
For a trust deed to be negotiable, it must be:


106. 
The Real Estate Settlement Procedures Act provides for violation penalties of:
107. 
A broker negotiated a three-year second trust deed for $20,000. He charged a $2,000 fee. The fee is:


108. 
Discount points are:


109. 
Beth, a licensee, sells a real property sales contract for Ricardo, the vendor. Beth is responsible for making certain the contract is recorded:
110. 
Under a deed of trust the:
111. 
A security agreement for personal property is filed with:
112. 
A mortgage would be released by:


113. 
A real estate broker made a home loan at 30 percent interest. The broker:


114. 
Equity financing refers to:


115. 
RESPA would apply to a:


116. 
If two lenders share in different portions of the same loan, the loan would be a:


117. 
A broker has a written agreemnet giving you 60 days to arrange a loan for $1,200.


118. 
Secured collaterally refers to a:


119. 
Who would most likely benefit by a subordination clause in a trust deed?


120. 
Selling a home under an existing blanket trust deed requires that the trustee give a(n):


121. 
Balloon payments are not allowed for an owner-occupied residence under Article 7:
122. 
The disclosure statement required under the Truth-in-Lending Law is most similar to:


123. 
To subordinate means:


124. 
The Truth in Lending Law is enforced by the:
125. 
A second trust deed can be distinguished from a first trust deed by:
126. 
On an amortized loan, each payment would differ from the previous payment in that:
127. 
Promotional notes, as used in real property securities, do not include a note that has term of:


128. 
As to trust deeds, which of the following is false?
129. 
The right of rescission under Truth in Lending would apply to a(n):


130. 
Interest paid on principal and interest is:


131. 
What is the highest commission a broker can charge in negotiating an $8,000 first trust deed for 2 1/2 years?


132. 
The collection of interest in advance is known as:


133. 
A trust deed would likely be in default when:
134. 
A mortgage and a trust deed are similar in that:


135. 
A financing statement is removed from record by:


136. 
A RESPA disclosure statement would least likely be required for a loan made:


137. 
A statement that says "In the event of sale, the entire balance is due and payable" would be:


138. 
The  Truth in Leding Act is part of the:
139. 
To curb inflation, the government can:


140. 
Consideration exists:


141. 
When the vendor and vendee sign a real property sales contract:


142. 
By calling in a loan, the lender:


143. 
The advantages to a borrower of a biweekly mortgage payment over a monthly payment include:
144. 
A trustor is to a beneficiary as:
145. 
A loan amortization table would show:
146. 
Real estate used as security for a loan would be:


147. 
The basic obligation of a real estate loan in California is evidenced by:


148. 
A broker's commission for negotiating a loan is not subject to Article 7 limitation if the loan is:


149. 
A holder of a second trust deed reveives notification of default on the first trust deed. He or she would probably:


150. 
Upon default of a buyer on land contract, the seller would: