Real Estate New-Jersey-Real-Estate-Salesperson Question Explanations & New-Jersey-Real-Estate-Salesperson Certified

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Real Estate New Jersey Real Estate Salesperson Exam Sample Questions (Q93-Q98):

NEW QUESTION # 93
In surveying, monuments are used to establish:

A. flood elevation
B. a common address
C. historical sites
D. real estate boundaries

Answer: D

Explanation:
Monuments are fixed physical objects (iron pins, concrete markers, trees, rocks) used by surveyors to establish property boundaries in the metes-and-bounds system.
They do not establish addresses, flood elevations, or historical sites.
Correct answer = B.
Reference: NJ Real Estate Salesperson Study Guide, Chapter on Legal Descriptions and Surveys.

NEW QUESTION # 94
In many states, usury laws:

A. impose a tax on a purchaser of personal property for resale or use.
B. determine the possible legal use of land.
C. establish a maximum rate of interest allowed for loans.
D. provide a right to use property belonging to another.

Answer: C

Explanation:
Usury laws are designed to protect borrowers from being charged excessively high interest rates.
These laws set the maximum legal interest rate that lenders may charge.
The other options (land use, easements, and sales tax) are unrelated to usury laws.
Correct answer: D.
Reference: NJ Real Estate Salesperson Study Guide, Chapter on Financing and Loan Regulations.

NEW QUESTION # 95
According to the Real Estate Licensing Law, a real estate licensee can provide a rebate of the commission to a buyer

A. provided it does not exceed 50% of the total commission.
B. if the licensee is the broker.
C. if a writing confirming the terms of the rebate is provided to the buyer at closing.
D. if notated on the contract of sale.

Answer: C

Explanation:
New Jersey law (P.L. 2009, c. 273; NJ Real Estate Licensing Law) permits brokers to rebate a portion of their commission to a buyer provided that:
The rebate does not constitute a violation of RESPA or other federal laws.
The terms of the rebate are disclosed in writing to the buyer prior to closing.
The rebate must be documented in the transaction records maintained by the broker.
There is no statutory 50% cap, and it does not have to be written directly into the contract of sale. It is also not limited to the broker personally-salespersons may provide a rebate under the broker's supervision.
Reference: New Jersey Real Estate Commission - Licensing Law, Commission Rebates to Buyers, N.J.S.A.
45:15-17; NJREC Bulletins on Commission Rebates.

NEW QUESTION # 96
A licensed broker may establish a commission rate at a predetermined amount that reflects the broker's general office policy provided the broker:

A. advises the New Jersey Consumer Affairs Division that the broker will not negotiate this commission rate
B. advertises the commission rate at least once per month
C. negotiates all commissions with sellers
D. has the percentage or fixed amount printed on all listing agreement forms

Answer: C

Explanation:
Under New Jersey Real Estate Commission rules and antitrust law, commissions are always negotiable between the broker and the client. A broker may set a general office policy or customary rate, but legally the rate cannot be mandatory or fixed without negotiation. It must be negotiated in each listing agreement.
* Options A, B, and C would constitute unlawful practices or misleading advertising.
* Only D is correct: all commissions must be negotiated with sellers.
(Reference: NJ Real Estate Salesperson Pre-Licensure Course Study Guide, Commission Rates & Antitrust; NJAC 11:5 on advertising and business conduct.)

NEW QUESTION # 97
A low loan-to-value ratio indicates a:

A. greater use of leverage.
B. lower equity in the property.
C. greater risk of foreclosure.
D. higher equity in the property.

Answer: D

Explanation:
The loan-to-value (LTV) ratio compares the loan amount to the property's value or purchase price.
A low LTV means the borrower made a large down payment.
This results in higher equity in the property and lower risk for the lender.
Conversely, a high LTV means lower equity and higher lender risk.
Correct answer = C: higher equity in the property.
Reference: NJ Real Estate Salesperson Study Guide, Chapter on Financing and Loan Concepts.

NEW QUESTION # 98
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Real Estate New-Jersey-Real-Estate-Salesperson Question Explanations & New-Jersey-Real-Estate-Salesperson Certified

New-Jersey-Real-Estate-Salesperson Certified - Valid New-Jersey-Real-Estate-Salesperson Test Online

Real Estate New Jersey Real Estate Salesperson Exam Sample Questions (Q93-Q98):

Effective Real Estate New-Jersey-Real-Estate-Salesperson: New Jersey Real Estate Salesperson Exam Question Explanations - Hot PrepAwayTest New-Jersey-Real-Estate-Salesperson Certified

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