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最新的 Massachusetts Real Estate Massachusetts-Real-Estate-Salesperson 免費考試真題 (Q45-Q50):
問題 #45
If a lender has granted a VA-guaranteed loan to a veteran, the veteran
答案：B
解題說明：
Comprehensive and Detailed Explanation (150-250 words):
A VA-guaranteed loan allows veterans to purchase with little or no down payment. Once the loan is made, the veteran deals directly with the lender - not the VA. The VA guarantees repayment to the lender if default occurs.
A: Down payments, if required, are paid to the lender, not the VA.
B: Veterans may obtain multiple VA loans in a lifetime, depending on eligibility and entitlement.
C: VA loans allow prepayment without penalty.
D: VA loans are assumable, meaning another veteran (or even non-veteran, with lender approval) may assume the existing financing, often a benefit if the loan has a favorable interest rate.
Correct answer: D.
Reference: VA Lender's Handbook; Massachusetts Real Estate Salesperson Candidate Handbook - Financing
/VA Loans.
問題 #46
Multi-ethnic families were beginning to move into a neighborhood that had previously been all one ethnicity.
A local broker passed out flyers to homeowners that said, "Sell now before it's too late! We have beautiful new homes with attractive financing and good schools." These flyers would likely be viewed by the courts as
答案：C
解題說明：
Comprehensive and Detailed Explanation (150-250 words):
Blockbusting is the illegal practice of inducing homeowners to sell by suggesting that the entry of minority or ethnic families into the neighborhood will negatively affect property values. The flyer in this scenario explicitly encourages homeowners to sell "before it's too late," a textbook example of blockbusting under the Fair Housing Act of 1968.
A (good marketing) is wrong because the intent is discriminatory.
C (redlining) refers to lenders refusing to provide loans in certain areas, not brokers pressuring owners.
D (steering) involves directing buyers toward or away from certain neighborhoods.
Thus, the courts would identify this as blockbusting.
Reference: Fair Housing Act, 42 U.S.C.3604(e); Massachusetts Real Estate Salesperson Candidate Handbook - Fair Housing.
問題 #47
A property manager has successfully negotiated the lease of a home built in 1965 to tenants who have no children. Regarding disclosure of lead-based paint, the property manager should
答案：A
解題說明：
The Residential Lead-Based Paint Hazard Reduction Act (Title X, 1992) requires that landlords and sellers of housing built before 1978 disclose any known lead-based paint hazards to prospective tenants or buyers.
Massachusetts enforces this rule strictly due to its older housing stock.
The law applies regardless of whether children are present. Tenants must receive:
An EPA-approved lead hazard information booklet.
A disclosure form confirming acknowledgment.
Tenants must be informed of their right to test for lead, but in a lease situation they do not automatically get a
10-day inspection period (that applies to sales, not rentals). Covering or removing lead paint (B) is only required if a child under six will occupy the property in Massachusetts, under the Lead Law (M.G.L. c.111
§197).
Thus, the correct answer is D.
Reference: EPA Lead-Based Paint Disclosure Rule; Massachusetts Lead Law; Massachusetts Real Estate Salesperson Candidate Handbook - Environmental Issues.
問題 #48
According to the Massachusetts Fair Housing Law, it is unlawful to ask prospective tenants questions about their
答案：D
解題說明：
The Massachusetts Fair Housing Law (M.G.L. c. 151B) prohibits discrimination in housing based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, ancestry, veteran status, familial status, disability, or receipt of public assistance. Asking about a tenant's place of birth could reveal information about national origin or ancestry, which are protected classes under both state and federal fair housing law.
By contrast, landlords and brokers are legally permitted to verify income and occupation to determine financial qualifications, and Massachusetts law also permits certain criminal history checks in compliance with state and federal guidelines. However, questioning applicants about their place of birth is directly discriminatory and unlawful.
Reference: M.G.L. c. 151B, 4; HUD Fair Housing Act Guidelines.
問題 #49
According to the CAN-SPAM Act, every email advertisement for real estate services must do all of the following EXCEPT
答案：C
解題說明：
Comprehensive and Detailed Explanation (150-250 words):
The CAN-SPAM Act of 2003 governs commercial email. Key requirements include:
Emails must not use misleading subject lines (A).
Must include the sender's valid physical postal address (B).
Must provide a clear, simple way to opt out of future emails (C).
Opt-out requests must be honored within 10 business days, not 180 days.
Thus, advising that it will take 180 days to remove an email address is not compliant.
Correct answer: D.
Reference: CAN-SPAM Act (15 U.S.C. 7704); Massachusetts Real Estate Salesperson Candidate Handbook
- Advertising Compliance.
問題 #50
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