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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. 

A trust deed would likely be in default when:

2. 

A basic difference between trust deeds and mortgages is:



3. 

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):

4. 

Equity financing refers to:



5. 

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:

6. 

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



7. 

A trustor is to a beneficiary as:

8. 

When a vendee under a land contrac defaults, the vendor to clear title would commence a:

9. 

A trustor under a trust deed:



10. 

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:



11. 

Inflation is best evidenced by a(n):

12. 

As to beneficiary statements, which of the following is true?

13. 

On an amortized loan, each payment would differ from the previous payment in that:

14. 

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



15. 

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



16. 

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:



17. 

Hypothecate means:



18. 

Consideration exists:



19. 

Under a deed of trust the:

20. 

A mortgage would be released by:



21. 

The payments of the buyer under a land contract include taxes and insurance. The seller:

22. 

The disclosure statement required under the Truth-in-Lending Law is most similar to:



23. 

Deficiency judgments are not available to a foreclosing mortgagee if:

24. 

The prepayment penalty on a pay off for a three-year-old conventional residential loan would be based on the:

25. 

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



26. 

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



27. 

A second trust deed can be distinguished from a first trust deed by:

28. 

A land contract is most similar to a:



29. 

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



30. 

To subordinate means:



31. 

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



32. 

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



33. 

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



34. 

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



35. 

The release clause in a trust deed requires payments higher than they should be considerin the value of the property released. Why?

36. 

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:



37. 

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:

38. 

In a sale transaction, which party is most likely responsible for a prepayment penalty?

39. 

As to real property sales contracts for land or one to four residential units, which of the following is true?

40. 

The right of rescission under Truth in Lending would apply to a(n):



41. 

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



42. 

The advantages to a borrower of a biweekly mortgage payment over a monthly payment include:

43. 

Promotional notes, as used in real property securities, do not include a note that has term of:



44. 

A financing statement is removed from record by:



45. 

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



46. 

As to loan brokers, which of the following is true?

47. 

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



48. 

The beneficiary of a trust deed is most likely a:



49. 

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?



50. 

A lender, in evaluating a prospective loan, should not consider:

51. 

A prepayment penalty would be inconsistent with:



52. 

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



53. 

Who would sign a request for reconveyance?



54. 

In periods of tight money:



55. 

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



56. 

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:

57. 

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



58. 

Which of the following clauses can be disregarded by a trustor?



59. 

A security agreement for personal property is filed with:

60. 

Real estate used as security for a loan would be:



61. 

Janet assumes a trust deed from Bill.

62. 

Naked legal title refers to a:



63. 

During the one year redemption period of a mortgagor in default:

64. 

Real property would not be:



65. 

Article 5 of the Real Estate Law does not apply to:

66. 

A broker is the owner of the escrow company that handles most of the office business. As to the escrow company:

67. 

A land contract clause prohibits any prepayment.



68. 

A broker negotiated a three-year second trust deed for $20,000. He charged a $2,000 fee. The fee is:



69. 

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



70. 

By calling in a loan, the lender:



71. 

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



72. 

The longer the loan (all other things being equal):



73. 

A beneficiary sells a note secured by a trust deed. The beneficiary must:



74. 

A deed of reconveyance moves title from:

75. 

An adjustable-rate loan is pegged at an interest rate above a loan index. This increase above the index is knows as the:

76. 

Ther person signing an assignment of a land contract is:

77. 

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):

78. 

A lender was required to contact a borrower 30 days prior to a notice of default. This notification was to:

79. 

A packaged mortgage is a loan in which:

80. 

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



81. 

Proceeds from a trustee's sale go to:

82. 

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.



83. 

An alienation clause in a trust deed prohibits:



84. 

A trust deed is foreclosed by the:



85. 

You would find a subordination clause in:



86. 

A clause in a trust deed calling for assignment of rents most likely would benefit the:

87. 

The  Truth in Leding Act is part of the:

88. 

The seller under a real property sales contract may not:



89. 

The power of sale in a trust deed would be given by:

90. 

Making biweekly payments on a mortgage of one-half the monthly payment will result in:

91. 

A release clause would most likely appear in:



92. 

The Real Estate Settlement Procedures Act provides for violation penalties of:

93. 

A straight loan refers to:



94. 

Interest paid on principal and interest is:



95. 

A trust deed is a(n):

96. 

A trust deed foreclosed as a mortgage would be foreclosed by:



97. 

A broker advertised the APR, but did not include any other financing terms. Was the ad proper?



98. 

Loan payments based on a 20-year amortization schedule also require that the loan be paid in full within 10 years.



99. 

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



100. 

Secured collaterally refers to a:



101. 

RESPA would apply to a:



102. 

In a subdivision, the largest number of properties that can be covered by a trust deed without a blanket encumbrance is:

103. 

A right of possession and equitable title would be held by the:



104. 

The beneficiary must give consent before the trustor can:



105. 

A mortgage and a trust deed are similar in that:



106. 

As to trust deeds, which of the following is false?

107. 

A mortgagee foreclosing would first:



108. 

After the three-month notification of default:

109. 

The Truth in Lending Law is enforced by the:

110. 

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



111. 

For a trust deed to be negotiable, it must be:



112. 

To curb inflation, the government can:



113. 

A disadvantage of a land contract to a buyer is:

114. 

Balloon payments are not allowed for an owner-occupied residence under Article 7:

115. 

A borrower receives a monthly check from the lender. This is most likely a(n):

116. 

A loan amortization table would show:

117. 

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



118. 

Beth, a licensee, sells a real property sales contract for Ricardo, the vendor. Beth is responsible for making certain the contract is recorded:

119. 

A real property sales contract must show:

120. 

Whihc law applies to federally related transactions?

121. 

The instrument that is least likely to be recorded is the:



122. 

The collection of interest in advance is known as:



123. 

The nominal rate of interest would be:

124. 

Which of the following are related to each other?



125. 

A borrower makes $100 amortized loan payments.



126. 

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



127. 

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



128. 

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



129. 

A straight note would not be:



130. 

The unsury law for individuals does not apply when:



131. 

Which of the following are synonymous?



132. 

Which party to a mortgage signs the note?



133. 

An endorsement on a note said "without recourse." What kind of endorsement is it?

134. 

When buying a house, a person would not receive:



135. 

A blanket encumbrance would have the greatest benefit to the:



136. 

A seasoned loan is:



137. 

Discount points are:



138. 

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



139. 

When monthly amortized mortgage payments are equal, the interest charged is:



140. 

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



141. 

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

142. 

As to points, which of the following is true?

143. 

A deficiency judgment is possible if there is:

144. 

Truth in Lending disclosure when advertising a graduated payment loan would require the:

145. 

The Federal Reserve Board wants to tighten the money supply. What action might it take?



146. 

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:



147. 

A trust deed would most likely be discounted by:



148. 

Total foreclosure time under a trust deed most nearly approaches:



149. 

Regarding financial institutions, deregulation means:



150. 

A request for notification of default would be most desired by the: