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New Economics Foundation, who are a think tank, they're basically a bunch of clever people who are paid to think about this kind of stuff, went. More information will be added as I find it. This proration of interest is called amortization. The November 21, 2005 suspension order against Scot Ulmer remains in effect. Therefore they will offer you a mortgage of around $87,500.
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The gov't has nothing to do with it, and it's not race, gender, etc. Law, and that deflation would alter the price of capital first, it meant that this would reduce the price of capital, and allow more growth as well as long term price stability. The format of the order form would have the fields of the form mixed up so that they wouldn't be readily discernible.
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The APR calculation attempts to rectify this situation by providing the real rate with all of the costs.