Real Estate Principals lesson 5
Quiz yourself by thinking what should be in
each of the black spaces below before clicking
on it to display the answer.
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| Monetary Cycle | Depression,Recession,Prosperity, and Expansion
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| Who does Inflation benefit? | trustor and a lender who grants loans
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| a decrease in the general level of prices cause? | increases in the value of money
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| What is considered liquid? | investments in stocks and bonds
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| What is not considered liquid? | investments in income property
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| Equity? | Money that doesn't work (money in a mattress)
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| what is the difference between the loan and the value of the property? | equity
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| What is an investor using leverage? | using borrowed money to the maximum
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| When the value of the property increases, what else increases? | the equity
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| Gross national(Domestic) Product | the measure of goods and services produced by the nation during any one calender year
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| what rises with GNP? | personal income and home sales
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| seller's market is good for sellers as to? | a buyers market is good for buyers
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| what happens when interest rates on bonds increase? | the supply of funds for real estate loans decrease
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| Who do lenders represent? | primary mortgage market
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| Secondary mortgage market? | where existing loans are bought and sold
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| What is important in the secondary mortgage market? | liquidity and marketability
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| who has the primary source of funds for real estate financing? | institutional lenders
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| where do institutional lenders receive most of their money? | savings of individual savings (household funds)
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| Insurance companies lend to? | large projects in large amounts
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| Participation Loans | insurance company wants their cut of a project
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| Savings and Loan Associations lend to? | home loans for one to four family units
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| Who is the primary source for residential mortgages? | Savings and loan associations
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| commercial banks are? | general purpose lender
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| commercial banks prefer? | short term loans, mostly construction
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| federal reserve board? | influences the flow of money
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| federal reserve board does Not? | they do not adjust FHA interest rates
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| Where did mutual savings banks originate? | Northeastern America
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| Nonistitutional lenders are? | mortgage companies and private lenders
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| mortgage companies prefer? | prefer negotiating loans on secondary market
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| what is the difference between a banker and a broker? | bankers lend their own money and a broker lends someone else's
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| "Warehousing" | Collecting loans proior to resale
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| Private lenders? | largest source for junior loans
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