commiss recommend march pre contractu inform consum lender offer home loan notifi document number text eea relev ec commiss european commun regard treati establish european commun indent articl thereof achiev singl market financi servic offer consum high level protect prioriti commun sign home loan contract import financi commit consum enter home lend area financi servic consum gain substanti benefit increas corss border activ provid adequ protect measur place essenti contex pre contractu inform term condit home loan offer commun transpar compar end lender invit provid consum set harmonis inform gener inform personalis inform personalis inform provid standard written format european standardis inform sheet element inform gener personalis consum lender negoti auspic commiss associ feder repres lender hand consum negoti result voluntari code conduct pre contractu inform home loan quot code quot copi obtain adher lender adher code open home loan lender member negoti associ feder member state nation requir addit pre contractu consum inform home loan exist desir addit inform element merg european standardis inform sheet manner ensur compar border consum european level member state impos lender member state oblig give addit pre contractu inform consum set annex invit ensur inform conform commun law domest cross border home loan subject recommend exclud credit agreement cover council direct eec decemb approxim law regul administr provis member state consum credit amend direct ec european parliament council commiss establish central regist lender offer home loan indic lender adher code date lender notifi adher commiss commiss mean ensur public larg consult central regist commiss monitor complianc recommend assess effect commiss present bind legisl term recommend fulli compli recommend articl scope recommend cover pre contractu consum inform domest cross border home loan credit agreement cover direct eec exclud scope recommend articl definit purpos recommend home loan mean credit consum purchas transform privat immov properti own aim acquir secur mortag immov properti sureti commonli member state purpos articl principl lender suppli consum pre contractu phase gener inform set annex personalis inform present european standardis inform sheet set annex ii addit lender suppli consum inform identif address telephon number compet bodi consum refer event difficulti relat applic code pre contractu inform home loan final decis acept credit offer lender li consum articl nation requir addit pre contractu consum inform pre exist nation requir provid addit pre contractu consum inform consum member state invit step order addit inform merg inform includ european standardis inform sheet manner impair compar border member state invit ensur addit nation requir impos lender member state offer home loan territori member state addit requir conform commun law case host member state invit notifi requir commiss framework monitor activ set articl articl establish regist commiss commiss establish central regist lender offer home loan indic lender adher code articl monitor commiss commiss monitor complianc recommend year adopt recommend commiss assess effect assess base monitor annual progress report drawn european credit sector associ inform articl final provis member state lender offer home loan commun member associ feder negoti code invit compli recommend septemb articl addresse recommend address member state brussel march commiss frederik bolkestein member commiss oj oj annex initi inform home loan includ accompani inform format initi inform provid lender identif address lender identif address intermediari home loan purpos home loan form sureti descript type home loan short descript differ fix variabl rate product includ relat implic consum type interest rate fix variabl combin thereof indic cost typic home loan consum list relat cost element administr cost insur cost legal cost intermediari cost option reimburs credit lender includ number frequenc amount repay instal possibl earli repay condit valuat properti carri gener inform tax relief home loan interest public subsidi prevail inform obtain advic durat reflect period relev confirm institut subscrib code indic copi code institut annex ii gt pic file quot en ep quot gt gt pic file quot en ep quot gt