更多"[简答题] Private mortgage insurance is"的相关试题:
[单选题] Which life insurance policy usually requires the insured to pay a level premium for the duration of the policy, and the overpayment accumulates as a cash value that can be borrowed by the insured at reasonable rates?
A. Whole life
B. Term
C. Universal life
D. None of the above
[单选题] A term life insurance policy provides
A. insurance benefits only.
B. savings benefits only.
C. both insurance and savings benefits.
D. none of the above.
[简答题] A whole life insurance policy pays a death benefit if the policyholder dies.
[单选题] In the case of an insurance policy, ________ occurs when the existence of insurance encourages the insured party to take risks that increase the likelihood of an insurance payoff; ________ occurs when those most likely to get large insurance payoffs are the ones who want to purchase insurance the most.
A. moral hazard; insurance market discrimination
B. moral hazard; insurance segregation
C. moral hazard; adverse selection
D. adverse selection; moral hazard
[简答题] A monoline insurance company is an insurance company which specialize in credit insurance alone.
[单选题] Mortgage-backed securities
A. have been growing in popularity in recent years as institutional investors look for attractive investment opportunities.
B. are securities collateralized by a pool of mortgages.
C. are securities collateralized by both insured and uninsured mortgages.
D. are all of the above.
E. are only A and B of the above.
[简答题] Mortgage interest rates loosely track interest rates on three-month Treasury bills.
[简答题] Many institutions that make mortgage loans do not want to hold large portfolios of long-term securities, because it would subject them to unacceptably high interest-rate risk.
[简答题] Mortgage-backed securities have declined in popularity in recent years as institutional investors have sought higher returns in other markets.
[单选题] The Federal National Mortgage Association (Fannie Mae.
A. was set up to buy mortgages from thrifts so that these institutions could make more loans.
B. funds purchases of mortgages by selling bonds to the public.
C. provides insurance for certain mortgage contracts.
D. does all of the above.
E. does only A and B of the above.
[单选题] Distinct elements of a mortgage loan include
A. origination.
B. investment.
C. servicing.
D. all of the above.
E. only B and C of the above.
[简答题] Mortgage-backed securities are marketable securities collateralized by a pool of mortgages.
[单选题] Which of the following protects the mortgage lender's right to sell property if the underlying loan defaults?
A. A lien
B. A down payment
C. Private mortgage insurance
D. Borrower qualification
E. Amortization
[简答题] An advantage of a graduated-payment mortgage is that borrowers will qualify for a larger loan than if they requested a conventional mortgage.
[单选题] During the early years of a balloon mortgage loan, the lender applies
A. most of the monthly payment to the outstanding principal balance.
B. all of the monthly payment to the outstanding principal balance.
C. most of the monthly payment to interest on the loan.
D. all of the monthly payment to interest on the loan.
E. the monthly payment equally to interest on the loan and the outstanding principal balance.
[简答题] Nearly half the funds for mortgage lending comes from mortgage pools and trusts.
[单选题] Which of the following are true of mortgage interest rates?
A. Interest rates on mortgage loans are determined by three factors: current long-term market rates, the term of the mortgage, and the number of discount points paid.
B. Mortgage interest rates tend to track along with Treasury bond rates.
C. The interest rate on 15-year mortgages is lower than the rate on 30-year mortgages, all else the same.
D. All of the above are true.
E. Only A and B of the above are true.
[简答题] In 2012, mortgage loans to farms represented the largest proportion of mortgage lending in the U.S.
