RegAlert2026-01-29 | Instrução Normativa BCB 707Added
BCB Normative Instruction No. 707 — Clarifies conditions for real estate credit operations sharing the same property as collateral
This Normative Instruction clarifies the conditions for financial institutions and other institutions authorized by the Central Bank of Brazil when contracting real estate credit operations that share the same property as collateral, specifically regarding Articles 6 and 22-B of Resolution No. 4,676/2018. Institutions must use the property's appraised value at the time of each operation and apply the credit quota limit (currently 60% for residential property loans to natural persons) valid at the new operation's contracting date. For new operations sharing collateral, the maximum term is the remaining term of the original operation, and the sum of the new operation's nominal value and existing outstanding balances must not exceed the original operation's nominal value. This instruction revokes BCB Normative Instruction No. 652, of August 27, 2025.
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Cocip - clarifications collateral sharing - NI
BCB NORMATIVE INSTRUCTION NO. 707, OF JANUARY 29, 2026
Clarifies the conditions to be observed in contracting real estate credit operations that share the same property as collateral.
The Head of the Department of Regulation of the Financial System (Denor), in the exercise of the attribution conferred upon him by art. 23, item I, subparagraph "a", of the Internal Regulations of the Central Bank of Brazil, annexed to BCB Resolution No. 340, of September 21, 2023, and based on art. 26 of Resolution No. 4,676, of July 31, 2018,
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Source: Banco Central do Brasil — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works
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