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贷款经纪试题

贷款经纪试题

Sample One: Mortgage Concept Question

Lender A has 15 year amortization period while Lender B has 20 year amortization period, assuming all other factors are all the same, which one below is correct?

A. Each monthly payment A will be bigger than payment B
B. The Annual percentage rate are the same for A and B
C. Each monthly payment A will pay more principal than payment B
D. Each monthly payment A will be smaller than payment B

(1) A and B are true
(2) A and C are true (Right Answer)
(3) B and D are true
(4) Only B is true

Quick Pass Master Explanation:

B is false, because the shorter the amortization, the bigger the Annual Percentage Rate.

D is false, because each monthly payment A will be bigger than payment B. When amortization is shortened, borrower has less time to pay off the principal of the loan, and this means borrower has to pay more each month in order to pay off the same amount of loan.

Sample Two: Law question

What kind of unity does tenancy in common have?

(1) Unity of time
(2) Unity of title
(3) Unity of interest
(4) Unity of possession (Right Answer)

Quick Pass Master Explanation:

Tenancy in common has only one unity: unity of possession, while Joint Tenancy has all four unities: time, title, interest, and possession.

认识创办人Benson Wang

地产考牌速过专家的校长 Benson Wang 拥有超过8年全职地产考牌辅导经验,自身更持有多张官方认证牌照,包括地产经纪、贷款中介、物业管理、经纪经理及建商证书。

Benson的地产教学底气源于多年的屡获殊荣:Sutton Platinum Award, the New Coast Realty’s Achievement Award, MLS Medallion Club 团队领导奖..等等多项认证。 结合了丰富的实战经验后,Benson 在2011年开始在温哥华担任房地产界的名牌导师,专心培训和引导数千名房地产经纪和贷款专家。其中所培训出的百位学员,更是多次获得过金牌销售奖。

Benson 是溫哥華首屈一指的地产考牌学校创始人与校长,也是您地产考牌的不二首选。