() NPO 2
1
2
3
4
10 5
6
7
8 1997 55 26 15 3 52 10 67 40 10 50
9 1980 1990 1990 4.4 44.9 1.69 65 HUD
10 Building Society
1980 1995 36% 1998 71% 57% 23% CP Centralized Mortgage LendersCML 1993 541 2003 2,710 Mortgage Equity WithdrawMEW Independent Financial AdvisorIFA 6 1.4 4.4 0.5% 1.5 Council of Mortgage LendersCML 10 Financial Services Authority: FSA 11
12
13
10 Real Estate Settlement Procedure ActRESPA Regulation X Good Faith EstimateGFE HUD1/HUD-1A Settlement Statement Truth In Lending ActTILARegulation Truth in Lending Disclosure Statement 14
MIRAS 1990 10 FSAFinancial Service Agency IDDInitial Disclosure Document KFIKey Facts Illustration 15
16
17 1) 2) 1) 2) 3) 4)3)
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20
21
22
23
24
25
26
27
28
29
30
31 ( )
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34