Aralin 1Mga relasyon at tungkulin sa agency: uri ng agency, disclosure obligations, fiduciary dutiesIpinaliliwanag ng seksyong ito ang mga relasyon sa agency sa real estate, kabilang ang paglikha at pagtapos ng agency, uri ng representation, disclosure requirements, fiduciary duties na utang sa mga kliyente, at limited duties na utang sa mga customer.
Pagsisimula at pagtapos ng agencyMga model ng seller, buyer, at dual agencyDesignated at transaction brokerageKinakailangang form sa agency at disclosureFiduciary duties at standard of careAralin 2Real estate finance: mortgages, lending instruments, amortization, at basic loan calculationsIpinakikilala ng seksyong ito ang mga konsepto sa real estate finance, kabilang ang uri ng mortgage, lending instruments, loan underwriting, amortization schedules, at basic loan calculations na lumalabas sa mga licensing exams at sa pang-araw-araw na brokerage practice.
Promissory notes at security instrumentsMortgage, deed of trust, at lien theoryFixed, adjustable, at balloon loansAmortization tables at loan balance mathLoan origination, points, at APR basicsAralin 3Mga pundasyon sa valuation at appraisal: market value, approaches to value, at comparable analysisIpinakikilala ng seksyong ito ang mga prinsipyo sa valuation at appraisal, kabilang ang market value, forces na nakakaapekto sa value, sales comparison, cost, at income approaches, at kung paano gumagamit ang mga appraiser ng comparables at adjustments sa reports.
Market value laban sa price at costMga prinsipyo at forces na nakakaapekto sa valueSales comparison approach at adjustmentsCost approach at uri ng depreciationIncome approach at capitalization rateAralin 4Real estate math: prorations, commission calculations, area/volume, loan payment at qualifying ratiosIpinaliliwanag ng seksyong ito ang karaniwang real estate math na sinusuri sa exam, kabilang ang prorations, commissions, area at volume, loan payment calculations, at qualifying ratios na ginagamit ng mga lender upang ie-evaluate ang affordability ng borrower.
Proration methods para sa taxes at rentsSales commissions at net-to-seller mathArea, perimeter, at volume calculationsLoan payment at interest computationsDebt-to-income at qualifying ratiosAralin 5Mga lease at basic property management: karapatan ng landlord/tenant, lease terms, security depositsTinutukan ng seksyong ito ang mga basic leasing at property management topics, kabilang ang uri ng lease, essential lease clauses, karapatan at tungkulin ng landlord at tenant, paghawak ng security deposit, at fair housing issues sa rental management.
Uri ng residential at commercial leasesEssential lease terms at clausesKarapatan at tungkulin ng landlord at tenantSecurity deposits at trust accountsTungkulin ng property manager at reportingAralin 6Property ownership at land descriptions: estates, forms of ownership, at legal descriptionsSuriin ng seksyong ito ang mga konsepto sa property ownership, kabilang ang freehold at leasehold estates, concurrent ownership forms, homestead at dower rights, at legal land descriptions na ginagamit upang kilalanin ang property sa deeds at public records.
Uri ng freehold at leasehold estateSole, joint, at common ownership formsCommunity property at marital rightsMetes at bounds legal descriptionsLot at block at rectangular surveyAralin 7Mga closing at settlement processes: title transfer, escrow, closing statements, title insuranceTinutukan ng seksyong ito ang proseso ng closing mula sa contract hanggang sa deed recording, kabilang ang escrow procedures, title searches, closing disclosures, settlement statements, at ang papel ng title insurance sa pag-manage ng risk para sa buyers at lenders.
Mga hakbang mula sa contract hanggang closingEscrow accounts at escrow instructionsTitle search, examination, at defectsClosing disclosures at settlement formsTitle insurance coverage at claimsAralin 8Contracts at contract law: formation, enforceability, contingencies, breach, at remediesIpinaliliwanag ng seksyong ito ang contract law na inilalapat sa real estate, kabilang ang contract formation, essential elements, enforceability, contingencies, performance, breach, at available legal at equitable remedies para sa nonperforming parties.
Essential elements ng valid contractsOffer, counteroffer, at acceptanceVoid, voidable, at unenforceable contractsKaraniwang real estate contingenciesBreach, damages, at specific performanceAralin 9Ethics at professional conduct: confidentiality, conflicts of interest, unlicensed practice, advertising rulesSuriin ng seksyong ito ang mga ethical at professional conduct standards, kabilang ang confidentiality, conflicts of interest, paghawak ng client funds, advertising rules, unlicensed practice, at disciplinary actions ng mga real estate regulators.
Confidentiality at client loyaltyConflicts of interest at disclosuresPaghawak ng trust funds at escrowTruthful at compliant advertisingUnlicensed practice at penaltiesAralin 10Fair housing at anti-discrimination law: protected classes, prohibited practices, advertising rulesIpinaliliwanag ng seksyong ito ang federal at state fair housing at anti-discrimination laws, protected classes, prohibited practices, reasonable accommodations, steering at blockbusting, at advertising rules upang matiyak ang equal housing opportunity.
Protected classes sa ilalim ng federal lawProhibited discriminatory practicesReasonable accommodations at accessSteering, blockbusting, at redliningFair housing compliant advertisingAralin 11Public at private land use controls: zoning, easements, covenants, at eminent domainTinutukan ng seksyong ito ang public at private land use controls, kabilang ang zoning, building codes, subdivision regulations, easements, deed restrictions, at governmental powers tulad ng eminent domain at taxation na nakakaapekto sa property.
Zoning classifications at variancesBuilding codes at occupancy permitsEasements creation at terminationDeed restrictions at covenantsEminent domain, taxation, at police power
