Real Estate Licensing Virginia Real Estate Salesperson 認定 Virginia-Real-Estate-Salesperson 試験問題:

1. Which environmental law requires federal agencies to prepare environmental impact assessments and statements before undertaking a potentially impactful act?

A) The Clean Water Act
B) The National Environmental Policy Act
C) Resource Conservation and Recovery Act
D) The Clean Air Act

2. The title of a fee simple determinable estate reverts automatically if title conditions are violated. How do fee simple condition subsequent estates compare?

A) Ownership of condition subsequent estates reverts automatically, as it does with determinable estates.
B) If title conditions are violated, condition subsequent estates require Supreme Court action, specifically, for estate ownership to revert.
C) If title conditions are violated, condition subsequent estates require legal action for estate ownership to revert.
D) Ownership of condition subsequent estates reverts automatically, as it does with determinable estates, but it takes longer to process.

3. Bobby took out a commercial mortgage to pay for his new podcast studio. It is an interest-only loan of $800,000 with an interest rate of 4.5%. How much will Bobby pay in interest over the year?

A) $36.000
B) $45,000
C) $10,500
D) $3,500

4. What are mortgage-backed securities?

A) investment instruments that have packaged mortgages as collateral
B) notices that acknowledge a borrower's debt to the lender and promise to repay the holder of the note
C) promissory notes that reference a security instrument
D) the rights to real property being held by one party for the benefit of another

5. Why do lenders need liquidity?

A) to qualify for FHA insurance
B) so they can put their money in long-term assets
C) so they have the funds to originate more loans
D) so loans can be packaged together to create MBSs

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