Câu hỏi luyện tập mẫu

Một vài câu hỏi thực tế từ ngân hàng miễn phí này, kèm giải thích đầy đủ. Dùng công cụ luyện tập ở trên cho toàn bộ.

1. 1. Principles of Real Estate

   In a general agency relationship, which duty requires a real estate licensee to place the principal's interests above the licensee's own?

   • a.The duty to appraise the property
   • b.The duty of loyalty (obedience and putting the principal first)
   • c.The duty to guarantee a sale
   • d.The duty of price fixing

   Đáp án: b

   Giải thích: Loyalty is a core fiduciary duty owed by an agent to a principal, requiring the agent to act in the principal's best interest. In Florida, however, most licensees work as transaction brokers rather than single agents, which changes the specific duties owed. Fiduciary-style duties are strongest in a single-agent relationship.

2. 2. License Law & Rules

   Which of the following best describes a 'designated sales associate' arrangement permitted in Florida?

   • a.The broker personally guarantees the sale price
   • b.One associate secretly represents both buyer and seller
   • c.An unlicensed assistant negotiates the deal
   • d.Two associates in the same firm each represent a different party as single agents in certain nonresidential transactions

   Đáp án: d

   Giải thích: In certain nonresidential transactions where both parties meet asset thresholds, a broker may appoint two designated sales associates to each represent a different party as a single agent. This allows single-agent representation within one firm. It is a specific, limited exception under Florida law.

3. 3. Finance

   Which document contains the borrower's actual promise to repay the loan and the repayment terms?

   • a.The deed of reconveyance
   • b.The estoppel certificate
   • c.The title commitment
   • d.The promissory note

   Đáp án: d

   Giải thích: The promissory note is the borrower's written promise to repay the loan and sets out the amount, interest rate, and payment terms. The mortgage or deed of trust secures that note with the property. The note is the primary evidence of the debt.

4. 4. License Law & Rules

   A Florida real estate license must be renewed every:

   • a.Two years (24 months)
   • b.Year, on the licensee's birthday
   • c.Ten years, unless discipline shortens the period
   • d.Five years, matching the broker experience requirement

   Đáp án: a

   Giải thích: Florida real estate licenses are issued on a two-year (biennial) renewal cycle. Continuing-education and, for new licensees, post-licensing requirements must be met to renew. Practicing on an expired license is prohibited.

5. 5. License Law & Rules

   Under limited confidentiality, a Florida transaction broker may NOT disclose that a buyer:

   • a.Has been prequalified by a mortgage lender
   • b.Intends to have a professional home inspection
   • c.Would prefer a 30-day closing timeline
   • d.Will pay more than the price already offered

   Đáp án: d

   Giải thích: Limited confidentiality prohibits a transaction broker from revealing that a buyer will pay more (or a seller will accept less) than the price offered, the parties' motivation, or other bargaining information, unless authorized or required by law.

6. 6. Principles of Real Estate

   A charge levied only on properties that benefit from a specific public improvement, such as a new sidewalk, is a:

   • a.Documentary stamp tax on the deed
   • b.Special assessment
   • c.State intangible tax on the mortgage
   • d.General ad valorem property tax

   Đáp án: b

   Giải thích: A special assessment is a charge imposed on properties that directly benefit from a public improvement like paving, sewers, or sidewalks. Unlike general ad valorem taxes, it applies only to the benefited parcels.

7. 7. Valuation & Appraisal

   A property has operating expenses of $40,000 and effective gross income of $100,000. Its operating expense ratio is:

   • a.40%
   • b.25%
   • c.60%
   • d.250%

   Đáp án: a

   Giải thích: The operating expense ratio equals operating expenses divided by effective gross income: $40,000 / $100,000 = 40%. It measures the share of income consumed by operating costs.

8. 8. Real Estate Math

   A buyer purchases a $420,000 home with an 80 percent loan. How large is the required down payment?

   • a.$8,400
   • b.$336,000
   • c.$84,000
   • d.$42,000

   Đáp án: c

   Giải thích: An 80 percent loan means a 20 percent down payment: $420,000 x 0.20 = $84,000.

9. 9. Finance

   A mortgage that lets the borrower re-borrow funds already repaid, up to the original amount, is an:

   • a.Blanket mortgage
   • b.Amortized mortgage
   • c.Open-end mortgage
   • d.Package mortgage

   Đáp án: c

   Giải thích: An open-end mortgage works like a line of credit against the property, allowing additional advances up to a set limit. It saves the cost of writing a brand-new loan for later borrowing.

10. 10. Contracts

    The type of consideration in a deed described as love and affection, rather than money, is called:

    • a.Nominal financing
    • b.Liquidated consideration
    • c.Valuable consideration
    • d.Good consideration

    Đáp án: d

    Giải thích: Good consideration is based on affection or a nonmonetary motive, such as a gift between family members. Valuable consideration, by contrast, is money or something of measurable worth.