TRUE or FALSE (please answer all questions)

1. High load factors generally indicate a small amount of common area, and therefore high building efficiency.

2. The debt service ratio is (Annual principal and interest payments + Annual interest payments on other loans) / (Annual income).

3. High load factors generally indicate a small amount of common area, and therefore high building efficiency.

4. The mortgage interest rate with the mortgage default insurance is higher than the mortgage interest rate without the mortgage default insurance.

5. In the US, housing transactions tend to be more volatile than the price of housing.

6. Lenders charge the higher interest rate with the mortgage default insurance than without it.

7. According to Leamer (2008), recessions that were not preceded by alarms from housing is called false negative.

8. High load factors generally indicate a small amount of common area, and therefore higher building efficiency.

9. According to Leamer (2008), in the US, housing transactions tend to be more volatile than the price of housing.

1. High load factors generally indicate a small amount of common area, and therefore high "building efficiency." 2. The debt service ratio is (Annual principal and interest payments + Annual interest payments on other loans) / (Annual income). 3. High load factors generally indicate a small amount of common area, and therefore high "building efficiency." 4. The mortgage interest rate with the mortgage default insurance is higher than the mortgage interest rate without the mortgage default insurance. 5. In the US, housing transactions tend to be more volatile than the price of housing. 6. Lenders charge the higher interest rate with the mortgage default insurance than without it. 7. According to Leamer (2008), recessions that were not preceded by alarms from housing is called "false negative." 8. High load factors generally indicate a small amount of common area, and therefore higher "building efficiency." 9. According to Leamer (2008), in the US, housing transactions tend to be more volatile than the price of housing