Which of the following represents a real estate loan's percentage?

The concept of a percentage in the context of real estate loans is best represented by the term "point." In real estate finance, a point typically refers to a fee or a percentage of the total loan amount paid to the lender at closing, usually equal to 1% of the loan amount. For example, if a borrower takes out a loan for $200,000 and pays two points, that would amount to $4,000 in fees.

Understanding points is crucial in real estate transactions, as they are associated with the cost of obtaining a mortgage and can influence the effective interest rate of the loan. Points can be used in the context of "buying down" the interest rate, meaning a borrower can pay additional points to lower the monthly interest rate. This aspect of financing is vital for buyers to consider when evaluating the overall cost of a mortgage.

The other terms mentioned do not represent a percentage related to a real estate loan. A bond generally refers to a debt investment and is not specific to real estate loans. A mortgage is a type of loan secured by real estate, and a deposit typically refers to an upfront payment made by a buyer to show serious intent to purchase property. None of these concepts directly relate to the percentage calculations used in financing