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부동산

Check Your Understanding-Answers

  1. Define the term loan-to-value ratio. 
    • The term loan-to-value ratio means the ratio of debt to the value of the property. If the loan-to-value ratio is low, the borrower is paying a higher down payment on the property. If the loan-to-value ratio is high, the borrower is making a low down payment. 
  2. When is a lender required to terminate a borrower's private mortgage insurance? 
    • After the borrower has accumulated 22% of equity in the property and is current with the loan payments. 
  3. What is the difference between an FHA loan and a VA loan? 
    • FHA insures loans and VA guarantees them.
  4. What is the major difference between a CalVet loan and other loans? 
    • Unlike other loans, the CalVet loan is actually a land contract. When a veteran is approved for a CalVet loan, the state purchases the property and resells it to the veteran using a contract of sale. The state retains the title to the property until the loan is paid off, after which California will issue a grant deed to transfer legal title to the veteran. 
No. Subject Date Views
Notice 부동산 용어사전 2019.04.15 2202
Notice 부동산 용어 (A to Z) 2019.03.03 1442
51 Chapter 19 Conclusion 2019.03.25 78
50 DEED 2019.03.04 78
49 Managers and Employees Exempt From Licensing Law 2019.02.28 78
48 Rights in Real Estate 2019.03.02 78
47 Real Estate Law 94 2019.05.16 77
46 Real Estate Practice - 7 (Understanding-Answers) 2019.04.12 76
45 How to buy the house in CA,USA 2022.04.19 76
44 Original Real Estate Broker License 2019.02.28 75
43 Condominium Ownership and Time Shares 2019.03.02 75
42 Exemptions from License Requirements 2019.02.28 74
41 Environmental Regulation 2019.03.02 73
40 TEST1 2023.06.05 71
» Real Estate Practice - 26 (Understanding-Answers) 2019.04.26 71
38 Real Estate Practice -6 (Understanding-Answers) 2019.04.12 71
37 Hudson Yards file 2019.03.16 71
36 warranty deed 여섯 가지의 covenant 2019.03.04 71
35 Apartment Ownership - Cooperatives 2019.03.02 71
34 TEST 2 2023.06.06 70
33 Real Estate Practice - 29 (Understanding-Answers) 2019.04.27 70
32 Real Estate Practice - 16 (Understanding-Answers) 2019.04.14 70
31 TEST4 2023.06.24 69
30 Real Estate Law 89 2019.05.16 69
29 Original Salesperson License Requirements 2019.02.28 69
28 Water Rights 2019.03.02 69
27 융자 프로그램의 종류 2019.04.26 68
26 Chapter 6 Conclusion 2019.04.13 68
25 Real Estate Practice - 13 (Understanding-Answers) 2019.04.13 68
24 Mandatory Broker Courses 2019.02.28 67
23 Chapter 23 Conclusion 2019.03.26 66
22 TEST FINAL 1 2023.06.24 65