ubc mortgage broker assignments

Course Registration

For online registration we only accept payments using Visa, Mastercard or AMEX .

Your tuition fee includes all of the appropriate course materials in electronic format only (e.g., eBook and PDF manual). Hardcover manuals and calculators are sold separately.

Hardcover Manual :

The Sauder School of Business and the Real Estate Division are committed to sustainability. By using the eBook or PDF version of the course manual that are included with your registration, you will help us with our initiative and save approximately 700 printed pages.

However, we understand that everyone learns differently. If necessary, you can purchase a hardcover manual for an additional $200.00. If you are undecided, you can purchase a hardcover manual from the RED Bookstore at a later date. No Refunds are available after purchase . Please check the box below if you would like to purchase and add the hardcover manual to your Course registration.

Calculator or Calculator App :

Due to ongoing global supply chain issues and chip shortages, there is currently a shortage of HP10Bii+ calculators.

Students who plan to write their examination at the UBC Computerized Examination Centre (CEC), or on a regularly scheduled exam date at our Vancouver or Langley centres should download the 10bii calculator app from In a Day Development to use during the course. If you plan to write your exam in the Lower Mainland, you DO NOT need to purchase a calculator. You may request use of an iPad or tablet with the 10bii app for your examination

If you choose to write your examination on a regularly scheduled examination date outside of the Lower Mainland (at a location other than Vancouver or Langley), you will need a physical calculator for your exam. The calculator we recommend is the Hewlett Packard 10Bii+ Calculator . There are many used calculators for sale on Facebook Marketplace, Craigslist and other Buy/Sell websites, along with other vendors who sell the calculator, and we encourage you to explore these options. If necessary, you can also purchase the calculator from the RED Bookstore for $112 ($100 plus $12 tax). No refunds are available after purchase and supply is limited.

If you are unsure as to which exam option you will choose, consider delaying the purchase of a calculator and in the meantime, download the calculator app for use during the course.

Individuals who are currently licensed with the BC Financial Services Authority or who have completed real estate services education from the Sauder School of Business within the past year may enroll directly in the Mortgage Brokerage Supplemental Course. Individuals who have been licensed with the BC Financial Services Authority for at least three out of the last five years must receive written confirmation from the Registrar of Mortgage Brokers at the BC Financial Services Authority stating that they are eligible to enrol in the Mortgage Brokerage Supplemental Course prior to their enrolment in the program. For more details, please read the “Supplemental” section located here .

For more information on mortgage broker requirements or if you are unsure of your status for supplemental course registration, please view the Registration Information or contact the BC Financial Services Authority (BCFSA) Registrar of Mortgage Brokers at +1 604.660.3555.

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Mortgage Brokerage Inter-Provincial and BC Procedures Candidates

Eligibility.

Individuals must provide written confirmation from the BC Financial Services Authority Registrar of Mortgage Brokers stating that they are eligible to write the mortgage brokerage inter-provincial and BC procedures examination.

Applicants from Alberta, Saskatchewan, Manitoba, Ontario and Quebec, please visit  BCFSA's Registration Requirements  for detailed registration information.

The Examination

The examination fee is $200 for all examinations. Once an examination has been scheduled, the date selected for the examination may not be changed without payment of an additional fee.

Individuals who have been provided with written confirmation from the BC Financial Services Authority to write the mortgage brokerage inter-provincial and BC procedures examination should read the information sheet below before registering for the exam:

• Mortgage Brokerage Inter-Provincial and BC Procedures Examination Information

To register for the next regularly scheduled or computerized exam centre (CEC) inter-provincial examination, please download and submit the form below. If you have registered for the challenge package, please submit your exam registration online through your course resources webpage.

• Mortgage Brokerage Inter-Provincial and BC Procedures Examination Registration

For the inter-provincial and BC procedures examination, you are only responsible for chapters 2-5 and 7 from the course manual eBook . Where a candidate fails the Inter-Provincial and BC Procedures examination, no opportunity to rewrite the examination is available. The candidate must register in the full Mortgage Brokerage in British Columbia Course. No discount of tuition fees will be available.

The Inter-Provincial and BC Procedures Challenge Package

The Mortgage Brokerage Inter-Provincial and BC Procedures Challenge Package assists students who have received permission to challenge the examination from the BC Financial Services Authority.

Candidates must make a written application, enclosing all relevant information to:

BC Financial Services Authority 600-750 West Pender Street Vancouver, BC V6C 2T8 Phone: 604-660-3555

Students may wish to purchase the mortgage brokerage inter-provincial and BC procedures challenge package before registering for their examination. The Inter-Provincial and BC Procedures Challenge Package includes the course materials in electronic format only (such as the course manual eBook, online assignments and answers, online Practice Questions), access to the course resources webpage and the central tutor support service.

• Mortgage Brokerage Inter-Provincial and BC Procedures Challenge Package Registration

Please note that if you prefer, you can purchase some course materials individually from the  Bookstore . However, the student handbook, online assignments and answers, online Practice Questions, access to the course resources webpage and central tutor support service are only available to students who purchase the challenge package .

Have a question?

Our team is happy to help., get in touch.

bcinfo​​​​​​​@realestate.sauder.ubc.ca

Visit our contact us page .

Khabarovsk ( Russian : Хабаровск [ xɐˈbarəfsk ] ⓘ ) is the largest city and the administrative centre of Khabarovsk Krai , Russia , [3] located 30 kilometers (19   mi) from the China–Russia border , at the confluence of the Amur and Ussuri Rivers , about 800 kilometers (500   mi) north of Vladivostok . As of the 2021 Russian census , it had a population of 617,441. [16] The city was the administrative center of the Far Eastern Federal District of Russia from 2002 until December 2018, when the status was given to Vladivostok. [17] It is the largest city in the Russian Far East , having overtaken Vladivostok in 2015. [ citation needed ] It was known as Khabarovka until 1893. [5] As is typical of the interior of the Russian Far East, Khabarovsk has an extreme climate with strong seasonal swings resulting in strong, cold winters and relatively hot and humid summers.

Earliest record

17th-century russian exploration, qing empire, from khabarovka to khabarovsk, russian federation, administrative and municipal status, demographics, economy and infrastructure, transportation, international events, notable people, twin towns – sister cities, external links.

Historical records indicate that a city was founded on the site in the eighth century. The Tungusic peoples are indigenous to the city's vicinity. The city was named Boli ( 伯力 ; Bólì ) in Chinese when it was part of the Chinese empire. During the Tang dynasty, Boli was the capital of Heishui Protectorate, called Heishui Duhufu. [18] In AD 722, Emperor Xuanzong of Tang (唐玄宗) established Heishui Protectorate and gave self-rule to Heishui Mohe tribes. The seat of this administrative region was then established near today's Khabarovsk. [19] [20]

In the mid-17th century, the Amur Valley became the scene of hostilities between the Russian Cossacks , who tried to expand into the region and collect tribute from the natives, and the rising Manchu Qing dynasty , who were intent on securing the region for themselves. [ citation needed ]

Khabarov's Achansk

The Russian explorers and raiders of the 1650s set up a number of more or less fortified camps ( ostrogs ) on the Amur. Most of them were in use for only a few months and later destroyed. It is usually thought that the first such camp in the general area of today's Khabarovsk was the fortified winter camp named Achansk ( Ачанск ) or Achansky gorodok ( Ачанский городок ), built by the Cossacks of Yerofey Khabarov in September 1651 after they had sailed to the area from the upper Amur. The fort was named after the local tribe whom Khabarov's people called "Achans". [21] [22] On October 8 the fort was unsuccessfully attacked by joint forces of Achans and Duchers (who had good reasons to hate the Cossacks, due to their rather heavy-handed tribute -extraction tactics [23] ), while many Russians were away fishing. [22] In late November, Khabarov's people undertook a three-day campaign against the local chief Zhakshur (Жакшур) (whose name is also known in a more Russian version, Zaksor (Заксор)), collecting a large amount of tribute and announcing that the locals were now subjects of the Russian Czar. A similar campaign was waged later in winter against the Ducher chief Nechiga (Нечига), farther away from Achansk. [22]

On March   24 (or   26), 1652, Fort Achansk was attacked by Manchu cavalry, led by Ninguta 's commander Haise, reinforced by Ducher auxiliaries, but the Cossacks stood their ground in a day-long battle and even managed to seize the attackers' supply train . [22] Once the ice on the Amur broke in the spring of 1652, Khabarov's people destroyed their fort and sailed away. [22]

The exact location of Khabarov's Achansk has long been a subject for debate among Russian historians and geographers. [23] [24] A number of locations, both upstream and downstream of today's Khabarovsk, have been proposed since Richard Maack , one of the first Russian scholars to visit the region, identified Achansk in 1859 with the ruins on Cape Kyrma, which is located on the southern (Chinese) shore of the Amur, upstream of Khabarovsk. [23] The most widely accepted point of view is probably that of Boris Polevoy , who believed that Khabarov's Achansk was located in the Nanai village later known as Odzhal- Bolon ( Russian : Оджал-Болонь ), located on the left bank of the Amur, closer to Amursk than to Khabarovsk. One of his arguments was that both Khabarov's Achan (sometimes also spelt by the explorer as Otshchan, Отщан), and Wuzhala (乌扎拉) of the Chinese records of the 1652 engagement are based on the name of the Nanai clan "Odzhal" (Оджал), corresponding to the 20th-century name of the village as well. (The name of the clan was also written as "Uzala", as in the name of its best-known member, Dersu Uzala ). [23]

Polevoy's view appeared to gain wide support among the Russian geographer community; petitioned by the Amur Branch of the Russian Geographical Society , the Russian Government renamed the village of Odzhal to Achan in 1977, to celebrate its connection with Khabarov's raid. [23]

As to the Cape Kyrma ruins, thought by Maack to be the remains of Achansk, B.P. Polevoy identified them as the remains of another ostrog – namely, Kosogorsky Ostrog, where Onufriy Stepanov stayed a few years later. [24]

After the Treaty of Nerchinsk (1689) between the Tsardom of Russia and the Qing Empire , the area became an uncontested part of China for the next century and a half. Modern historical maps of the Qing period published in China mark the site of future Khabarovsk as Bólì ( Chinese : 伯力 ). All of the middle and lower Amur region was nominally part of the Jilin Province, run first out of Ninguta and later out of Jilin City . [25]

French Jesuits who sailed along the Ussuri and the Amur Rivers in 1709 prepared the first more or less precise map of the region. According to them, the indigenous Nanai people were living on the Ussuri and on the Amur down to the mouth of the Dondon River (i.e., in the region including the site of the future Khabarovsk). These people were known to the Chinese as Yupi Dazi ("Fish skin Tartars"). [26]

In 1858, the area was ceded to Russia under the Treaty of Aigun . The Russians founded the military outpost of Khabarovka ( Хаба́ровка ), [27] named after Yerofey Khabarov . The post later became an important industrial center for the region. Town status was granted in 1880. In 1893, it was given its present name: Khabarovsk . [5]

In 1894, a department of the Russian Geographical Society was formed in Khabarovsk and to found libraries, theatres and museums in the city. Since then, Khabarovsk's cultural life has flourished. Much of the local indigenous history has been well preserved in the Regional Lore Museum and Natural History Museum and in places like near the Nanai settlement of Sikachi-Alyan , where cliff drawings from more than 13,000 years ago can be found. The Khabarovsk Art Museum exhibits a rare collection of old Russian icons. [25]

In 1916, the Khabarovsk Bridge across the Amur was completed, allowing Trans-Siberian trains to cross the river without using ferries (or temporary rail tracks over the frozen river in winter). During the Russian Civil War , Khabarovsk was occupied by Japan in September 1918. [28]

After the defeat of Japan in World War II , Khabarovsk was the site of the Khabarovsk War Crime Trials , in which twelve former members of the Japanese Kwantung Army and Unit 731 were put on trial for the manufacture and use of biological weapons during World War II. [25]

Chinese Emperor Puyi , captured by Soviet troops in Manchuria , was relocated to Khabarovsk and lived there from 1945 up to 1950, when he was returned to China. [29]

When Japan fell in September 1945 the United States reached an agreement with Stalin to build two U.S. Naval Advance Bases (Fleet Weather Centrals) in the USSR. [30] The U.S. built one 10 miles (16   km) outside Petropavlovsk-Kamchatsky on the Kamchatka Peninsula with the code name TAMA. [31] The other was 20 miles (32   km) outside Khabarovsk in buildings provided by the Soviets, code-named MOKO. [31] For mail Khabarovsk was assigned U.S.Navy number 1168, FPO San Francisco. [32] The American use of these two bases was short-lived. [ citation needed ]

On 5 November 1956, the first phase of the city tram was commissioned. The Khabarovsk television studio began broadcasting in 1960. On 1 September 1967, the Khabarovsk Institute of Physical Education, now the Far Eastern State Academy of Physical Culture , opened. On 14 January 1971 Khabarovsk was awarded the Order of October Revolution . In 1975 the first stage of the urban trolley opened. In 1976 the city hosted an international ice hockey tournament with the ball for the prize of the newspaper Sovietskaya Rossia . In 1981 the Bandy World Championship was played in the city. [25]

In 1996, Khabarovsk held its first mayoral elections . Paul D. Filippov, whose candidacy was supported by Governor Viktor Ishayev , was defeated. In 1998, reconstruction of the central square of Khabarovsk was completed. In May 2000, President of Russia , Vladimir Putin , decreed that new federal districts be formed, and Khabarovsk became the center of the Far Eastern Federal District . [25]

In 2006, the Center for Cardiovascular Surgery, a high-tech medical center, was constructed according to a Russian national health project . In 2008, the train station was completely renovated, and the adjacent square was reconstructed to include fountains and an underground passage. In 2009, Khabarovsk hosted the EU-Russia summit . In 2010, the city hosted a meeting of the Great Circle of Ussuri Cossacks . On 3 November 2012, Khabarovsk was awarded the honorary title of " City of Military Glory ". [25]

On 9 July 2020, the governor of the region, Sergei Furgal , was arrested and flown to Moscow. The 2020 Khabarovsk Krai protests began on 11 July 2020 in support of Furgal. [33]

The flag of Khabarovsk displays a bear on the right (Red side) and a Siberian tiger on the left (blue side), holding a yellow shield with a blue reversed pall and a red fish . The flag is a representation of the coat of arms of Khabarovsk. [34] The flag was adopted on 30 October 2007 and is 2:3 in ratio. [25]

The city is located 30 kilometers (19   mi) from the China–Russia border, at the confluence of the Amur and Ussuri Rivers, about 800 kilometers (500   mi) north of Vladivostok . [25]

Khabarovsk experiences a monsoonal dry-winter humid continental climate ( Köppen climate classification Dwb borders on Dwa ). [25]

The average annual precipitation is 696 millimeters (27.4   in) , mainly concentrated in the summer. In a few years, November to March hardly receive any precipitation. The driest year was 2001 with only 381 millimeters (15.0   in) of precipitation and the wettest was 1981 when 1,105 millimeters (43.5   in) of precipitation fell. The wettest month was August 1981 with a total precipitation of 434 millimeters (17.1   in) . Due to high summer humidity , overnight lows remain mild to warm during several months. Snowfall is common, though light, with an average maximum snow height of 16 centimeters (6.3   in) . During peak winter, highs above freezing are very rare. [25]

The city's extreme climate sees daily average high and low temperatures vary by around 50   °C (90   °F) over the course of the year. The average temperature in January is −19.2   °C (−2.6   °F) and the average for July is +21.4   °C (70.5   °F) . Extremes have ranged from −40   °C (−40   °F) in January 2011 to +36.4   °C (97.5   °F) in June 2010. [35]

Khabarovsk is the administrative center of the krai [3] and, within the framework of administrative divisions , it also serves as the administrative center of Khabarovsky District , [37] even though it is not a part of it. [1] As an administrative division, it is incorporated separately as the city of krai significance of Khabarovsk —an administrative unit with the status equal to that of the districts . [1] As a municipal division , the city of krai significance of Khabarovsk is incorporated as Khabarovsk Urban Okrug . [12]

Ethnic composition (2010): [38]

• Russians – 92.6%
• Ukrainians – 1.8%
• Koreans – 1.1%
• Chinese – 0.6%
• Tatars – 0.5%
• Uzbeks – 0.5%
• Others – 2.9%

Primary industries include iron processing, steel milling, Khabarovsk shipyard, Daldizel, machinery, petroleum refining, flour milling, pharmaceutical industry, meatpacking and manufacturing of various types of heavy and light machinery. [25]

A high-speed international fiber-optic cable connects the city of Khabarovsk with the city of Fuyuan in China. [ citation needed ]

On March 28, 2024, a person reported radiation reading to the city's authorities. [39] In April 2024, the city declared a state of emergency because of the radiation leak. [40] The source of the radiation was "removed and placed in a protective container" and taken to a radioactive waste storage facility. [41]

The city is a principal railway center and is located along the Trans-Siberian Railway ; the rail distance of Khabarovsk railway station from Moscow is 8,523 kilometers (5,296   mi) .

Khabarovsk is served by the Khabarovsk Novy Airport with international flights to East Asia , Southeast Asia , European Russia , and Central Asia .

Road links include the Trans-Siberian Highway ( M58 and M60 Highways), and water transport links are provided by the Amur River and Ussuri River .

Public transport includes: tram (8 routes); trolleybus (4 routes); bus and fixed-route taxi ( marshrutka , approximately 100 routes).

Transborder travel to China in winter ice road in summer boat on Amur river to Fuyuan (and train to Harbin )

In 2021, the construction of a paid high-speed bypass of the city was completed.

There are the following institutions of higher education in Khabarovsk: [42] [43]

• Pacific National University (former Khabarovsk State University of Technology or Polytechnic Institute )
• Far Eastern State University of Humanities (former Khabarovsk State Teachers Training University)
• Far Eastern State Medical University
• Khabarovsk State Academy of Economics and Law
• Far Eastern State Transport University
• Far Eastern Academy of Public Service
• Far Eastern State Physical Education University
• Khabarovsk State Institute of Arts and Culture

A key street in Khabarovsk is the broad Amursky Boulevard with its many shops and a local market. The city's five districts stretch for 45 kilometers (28   mi) along the Amur River. The similar boulevard – Ussuryisky is located between the two main streets Muravyov-Amursky and Lenin street and runs to the city's artificial lakes (Gorodskie Prudi) with the sport complex Platinum Arena. The lakes are famous for their fountains with the light show. The Military History Museum of the Far Eastern Military District is located in the city, the only such museum in the Russian Far East. [44]

Recently, [ when? ] there have been renovations in the city's central part, rebuilding with historical perspective. There is a walking tour from the Lenin Square to Utyos on Amur via Muravyov-Amursky Street, where visitors find traditional Russian cuisine restaurants and shops with souvenirs. [ citation needed ] There are a number of night clubs and pubs in this area. In Wintertime ice sculptures are on display on the cities squares and parks. Artists come from as far as Harbin in China.

Unlike Vladivostok , the city has never been closed to foreigners, despite it being the headquarters of the Far East Military District , and retains its historically international flavor. Once the capital of the Soviet Far East (from 1926 to 1938), since the demise of the Soviet Union , it has experienced an increased Asian presence. It is estimated that over one million Chinese travel to and through Khabarovsk yearly, and foreign investment by Japanese and Korean corporations have grown in recent years. The city has a multi-story shopping mall and about a dozen hotels.

Aleksandr Fedosov, the Khabarovsk Krai Minister of Culture, estimates that the city became more attractive to tourists following the 2015 Bandy World Championship . [45]

Khabarovsk is the closest major city to Birobidzhan , which is the administrative center of the Jewish Autonomous Oblast , Russia , located on the Trans-Siberian Railway , close to the border with China . The Jewish Autonomous Oblast is a federal subject of Russia in the Russian Far East , bordering Khabarovsk Krai and Amur Oblast in Russia and Heilongjiang province in China . Its administrative center is the town of Birobidzhan , and it is the only region in the world in which Yiddish is the official language. Khabarovsk provides the closest major airport to Birobidzhan , which is Khabarovsk Novy Airport (KHV / UHHH), 198   km from the center of Birobidzhan . [ citation needed ]

The headquarters of the Russian Ground Forces 's Eastern Military District is located at 15 Serysheva Street. The district was preceded by the Far Eastern Military District , which was located in the same location. The following component units of the district are stationed in the city:

• 104th Chuj Headquarters Brigade
• Honour Guard Company of the Khabarovsk Garrison [46] [47]
• 17th Independent Electronic Warfare Brigade
• 118th Independent Pontoon-Bridge Railway Battalion
• 392nd Pacific Training Center for Junior Specialists
• 11th Air and Air Defence Forces Army
• Military Band of the Eastern Military District

All 5 of these units make up the Khabarovsk Garrison. The Russian Navy 's Pacific Fleet maintains a presence in the city as well. There is also an airbase located 3   km (1.9   mi) to the east of the city. The main public relations asset for the military in the city is the Military History Museum of the Far Eastern Military District and the district military band . [ citation needed ]

• Amur Khabarovsk , a professional ice hockey club of the international Kontinental Hockey League and plays its home games at the Platinum Arena . It used to be the furthest team from the European-based teams in the league until Admiral Vladivostok joined the KHL in 2013 as an expansion team.
• FC SKA-Khabarovsk , a professional association football team playing in the Russian First League , the second tier of Russian association football.
• SKA-Neftyanik , a professional bandy club which plays in the top-tier Russian Bandy Super League at its own indoor venue Arena Yerofey . It is both the easternmost and southernmost team in the top division. In the 2016–17 season the club became Russian champion for the first time. [48] As of 2019 the team has won the title three years in a row. [49]

The city was a host to the 1981 Bandy World Championship . It also hosted the 2015 Bandy World Championship , which was visited by Prime Minister Dmitry Medvedev . [50] 21 teams were expected, [51] which would have been 4 more than the then record-making 17 (now it's 18) from the 2014 tournament . In the end, China was the only newcomer, while Canada and Ukraine withdrew, the latter for political reasons . Khabarovsk organised the 2018 tournament as well, but not Division B that time around, which was held in Chinese Harbin . [52] The event was named by the Federal Agency for Tourism as one of the best 200 events of the year. [45]

A delegation from the 2022 Winter Olympics organising committee visited Khabarovsk to watch matches in the bandy league to study the plans if the sport was to be added to the Games program. [53]

• Kristina Akheeva , actress and model
• Oleksandr Aliyev , association football player
• Nikita Balakhontsev , association football player
• Sergei Bodrov , filmmaker
• Evgeny Grachev , ice hockey player
• Mikhail Grigorenko , ice hockey player
• Alexandra Ivanovskaya , 2005 Miss Russia winner
• Denis Kenzo , music producer
• Ivan Koumaev , dancer
• Alexander Mogilny , ice hockey player
• Evgeni Plushenko , Olympic figure skater
• Vita Sidorkina , model
• Ivan Skobrev , speed skater
• Andrei Tchmil , professional cyclist
• Evgeny Tsaregorodtsev , professional ice hockey player
• Daria Usacheva , figure skater
• Vladimir Volegov , painter
• Andrey Zamkovoy , boxer
• Efim Zelmanov , mathematician
• Artem Zub , ice hockey player

Khabarovsk is twinned with: [54]

• Khabarovsk placed first in different categories of "Most Developed and Comfortable City of Russia" in 2006, [56] 2008 [57] and 2009.
• In 2010, Khabarovsk won the second place in the Forbes list of most suitable cities for private business in Russia. [58] First place went to Krasnodar .

• Bolshoy Ussuriysky Island
• 2020 Khabarovsk Krai protests

Royal Burger

Seeing Khabarovsk Cliff requires time and efforts, so if you feel hungry after, come to this cafe for a tasty meal. The chef at Royal Burger cooks tasty burgers , salads and rolls . Take your family with you and enjoy good ice cream .

The atmosphere of hospitality of this place highly depends on employees, that are courteous here. But this spot is not highly estimated by Google users who assigned it a below average rating.

Restaurant menu

Frequently mentioned in reviews, ratings of royal burger, visitors' opinions on royal burger.

Restaurant features in Khabarovsk

Mortgage Brokerage in British Columbia Manual

Table of contents.

UBC Real Estate Division. 2024. Mortgage Brokerage in British Columbia - Course Manual . Vancouver, BC: UBC Real Estate Division.

Preface: Introduction to Real Estate and Mortgage Brokerage Land Ownership Land Value Real Property Law Key Participants in the Mortgage Brokerage Market Residential and Industrial, Commercial and Investment (IC&I) Real Estate Markets Characteristics of Real Property Organization of the Real Estate and Mortgage Brokerage Industry in British Columbia

Chapter 1: Fundamentals of Law The Sources of Our Laws Categories Within Our Legal System Real Property Law The Judicial System in Practice: The British Columbia Court System

Chapter 2: The Mortgage Brokers Act and Professional Ethics The Registration Body � The Registrar of Mortgage Brokers for the Province of British Columbia The Registration System The Registrar’s Powers of Investigation Powers of Disciplinary Action Mortgage Broker Market Conduct Conflict of Interest Disclosure to Borrowers and Lenders � Form 10 Ethics What Are Professional Ethics? Why Study Professional Ethics? Professionalism Duty to Uphold the Law Duty to Client in Providing Mortgage Services Enforcement of Professional Ethics Appendix 2.1: Sample Disciplinary Decision of the Registrar of Mortgage Brokers Appendix 2.2: Form 9 � Lender Disclosure Statement Appendix 2.3: Form 10 � Conflict of Interest Disclosure Statement Appendix 2.4: Code of Ethics and Standards of Professional Conduct Canadian Mortgage Brokers Association – British Columbia (CMBA-BC)

Chapter 3: What the Purchaser Buys: Estates and Interests in Land The Evolution of Real Property Law and the Doctrine of Estates Fee Simple Estate Life Estate and Estate Pur Autre Vie Leasehold Estates Interests in Land Less Than Estates The Extent of “Ownership” in Land Co-Ownership of Land Introduction to Tort Law Trespass Private Nuisance Liability of an Occupier

Chapter 4: Title Registration and Strata Properties in British Columbia Who Owns the Land? How is Land Divided? Title Registration in British Columbia The Torrens System of Land Registration Land Title Offices, Searching Title and the Registration Process Title Insurance Contaminated Sites First Nations Land Registration Strata Properties (Condominiums) and Cooperatives in British Columbia Appendix 4.1: Sample Land Title Search Appendix 4.2: Sample Excerpts From Strata Plans – Sample Strata Plan: Ground Floor

Chapter 5: The Professional Liability of Mortgage Brokers Negligence Misrepresentations and Deceit Errors in Drafting Agreements Breach of Fiduciary Duty Statutory and Industry Liability What is the Bottom Line? Mortgage Fraud The Competition Act Fiduciary and Agency Relationships of Mortgage Brokers Common Law Fiduciary Duties The Duty of Confidentiality The Duties of the Principal to the Agent Relationship Between the Agent and the Third Party Money Laundering and Terrorist Financing

Chapter 6: The Law of Contract Void, Illegal, Voidable and Unenforceable Contracts Offer Acceptance Consideration Legal Intention Capacity Legal Object Genuine Consent Termination of a Contract Remedies

Chapter 7: Introduction to Mortgage Law Introduction to Mortgage Law Legal and Equitable Mortgages Implied Terms of a Mortgage Express Terms of a Mortgage Special Types of Mortgages Federal Legislation over Mortgages Provincial Legislation over Mortgages Assignment of the Mortgage Assumption of the Mortgage Novation Priorities Further Advances The Foreclosure Process in British Columbia Agreements for Sale Appendix 7.1: Land Title Act Form B

Chapter 8: Financial Statements Forms of Organization Financial Reporting Generally Accepted Accounting Principles (GAAP) Financial Statements Income Tax Return Analyzing Financial Statements

Chapter 9: Introduction to Mortgage Finance Role of Financing in Real Estate Transactions Capital Market Characteristics of Mortgage Loans as Investments Development of Contemporary Mortgage Lending Classification of Mortgage Loans Selling Mortgage Life Insurance Mortgage Repayment Plans Mortgage Interest Rates and the Federal Interest Act Using the HP 10bII+ Calculator in this Course Basis of Interest Calculations Future Value and Present Value of Lump Sums Annuities: Payments Calculating Interest Only Payments

Chapter 10: Interest Rates and Mortgages Equivalent Interest Rates Application of Equivalent Rates to Periodic Payments Analysis of Constant Payment Mortgages

Chapter 11: Mortgage Analysis in Real Estate Practice Impact of Financing on Real Estate Transactions Portable Mortgages Impact of Brokerage and Other Fees

Chapter 12: Mortgage Underwriting and Borrower Qualification Residential (Owner-Occupied) Mortgage Underwriting Commercial Mortgage Loan Underwriting

Chapter 13: Management of Individual Loans Financial Covenants of the Borrower Loan Administration and Management Arrears and Default

Chapter 14: Mortgage Loan Repayment and Refinancing Options Variable Rate Mortgages (VRMs) Graduated Payment Mortgages (GPMs) Sinking Fund Assisted Mortgages (SFAMs) Reverse Mortgages or Reverse Annuity Mortgages (RAMs) Refinancing the Property Wrap-Around Mortgages

Chapter 15: Introduction to Real Estate Appraisal The Appraisal Process Step 1: Defining the Appraisal Problem Step 2: Scope of Work Determination Step 3: Data Collection Step 4: Data Analysis Step 5: Selection of the Appropriate Appraisal Approach Step 6: Reconciliation of Value Indications and Final Opinion of Value Step 7: Communicate Findings Legal Considerations for Appraisal Looking Ahead � Innovations in Property Valuation

Chapter 16: Direct Comparison (Comparative) and Cost Approaches of Appraisal Purpose of the Appraisal Direct Comparison (Comparative) or Market Approach Analysis of Market Transactions Adjustments for Value Case Study 1 Further Applications of the Comparative Approach Scope and Limitations of the Comparative Approach The Comparative Approach and the Comparative Market Analysis The Cost Approach Determining Market Value by the Cost Approach Depreciation Scope and Limitations of the Cost Approach Appendix 16.1: Calculations Used to Find Market Value of a Vendor Take-back Appendix 16.2: Sample Construction Costs of a Single Family Residence Appendix 16.3: Sample Comparative Market Analysis (CMA)

Chapter 17: The Income or Investment Approach of Appraisal Establishing Net Operating Income Required Rate of Return Capitalization Process: Market Value Case Study 1 Case Study 2

Chapter 18: Introduction to Marketing and Technology Marketing Concept Marketing Theory Integrated Marketing Advertising Other Types of Marketing Measuring the Effectiveness of Advertising and Marketing Technological Tools for Mortgage Brokers

Chapter 19: Effective Negotiations and Alternative Dispute Resolution The Nature of Effective Negotiations Negotiation Approaches When Negotiations Fail

Chapter 20: From Contract to Completion The Contract of Purchase and Sale Closing Procedures General Introduction to Statements of Adjustments Items on Statements Preparing Statements of Adjustments Appendix 20.1: Building Location Survey Appendix 20.2: Statements of Adjustments

Chapter 21: Mortgage Brokering: Blending Theory and Practice Initial Client Interview Mortgage Option Recommendations Taking the Mortgage Application Obtaining the Credit Report Reviewing Paperwork Submitting the Application Fulfillment Instructions and Closing Administration

Other destinations

• 57.104283 138.257106 4 Dzhugdzhursky Nature Reserve
• 48.204944 134.858911 5 Bolshekhekhtsirsky Nature Reserve
• 48.10582 135.136973 7 Vladimirovka , located miles and miles away from Komsomolsk, a native village of Negidals.

Khabarovsk Krai occupies a long swathe of Russia's Pacific coastline, a full 2000 kilometers of it, going as far south as Sakhalin and north to Magadan Oblast . At nearly 800.000 km², it's Russias fourth largest province. In the north, taiga and tundra prevail, deciduous forests in the south, and swampy forests in the central areas around Nikolaevsk-on-Amur . As a testament to its size there are more than 50 thousand lakes to fish in, more rivers and streams than you would care to count, and several mountain ranges intersect the region, including the northern reaches of the Sikhote-Alin mountains shared with Primorsky krai. The highest point is Mount Bery, towering nearly in fact, three quarters of the area is occupied by mountains and plateaus.

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