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13. What is the content of the acceleration clause that you might find when signing a mortgage agreement? a. It ensures that you cannot consciously reduce the value of the real estate, e.g., by destroying the house that is built upon it, before the loan is paid back. b. It forces you to buy insurances for the real estate against potential accidents. c. It accelerates the repayment of the loan. With an acceleration clause, loans can be paid back 25% faster than without. d. It states that once you are defaulting on your payments, the lender can immediately claim the complete open balance of your loan and does not have to sue for every monthly payment individually. 14. How would you calculate the debt-yield ratio? a. Divide the Loan Amount by the Net Operative Income (NOI) of the underwriting real estate. b. Multiply the Loan Amount with the NOI of the underwriting real estate. c. Divide the NOI of the underwriting real estate by the Loan amount. d. Multiply the NOI of the underwriting real estate with the Cap Rate. 15. You hear about a situation in which a home buyer defaults on their loan. They are immediately informed by the lender who signed the mortgage loan contract with them that they will have to look for a new home as soon as possible, as the lender plans to use the real estate by themselves. Assume further that no trial took place prior to the information and that the complete process is legal. What would this story tell you about the legal theory on which this jurisdiction's understanding of mortgages must be based? a. This is an example of the doctrine of actual notice. b. This is an example of the doctrine of constructive notice c. This is an example of lien theory. d. This is an example of title theory