RegAlert2025-10-10 | Resolução CMN 5254Added
CMN Resolution No. 5,254 — Amending CMN Resolution No. 5,209 Regarding Financial Charges, Financing Terms, and Commissions for Social Fund Operations under the Minha Casa, Minha Vida Program
CMN Resolution No. 5,254 amends Resolution No. 5,209 to establish specific financial charges, financing terms, and commissions for Minha Casa, Minha Vida (PMCMV) operations funded by the Social Fund (FS). For income bracket 3 housing unit financing, nominal charges are capped at 2.16% a.a. for financial institutions and 6.00% a.a. for the FS, with temporary 2025 rates of 3.28% and 4.88% respectively, and a maximum 36-month grace period for construction. For housing improvement financing targeting households with monthly income up to R$9,600, nominal charges are capped at 1.00% to 1.78% per month for financial institutions and 0.17% per month for the FS, with a maximum 60-month financing term and 180-day grace period, while dispensing with insurance and guarantee requirements for non-SFH/SFI operations.
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CMN RESOLUTION NO. 5,254, OF OCTOBER 10, 2025
Amends CMN Resolution No. 5,209, of April 30, 2025, which establishes the financial charges, financing terms, and commissions due by the financing borrower, as administration and risk fees for financing operations with resources from the Social Fund – FS, destined for the Minha Casa, Minha Vida Program – PMCMV.
The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595, of December 31, 1964, makes public that the National Monetary Council, in an extraordinary session held on October 9, 2025, based on Article 4, caput, items VI and VIII, of the aforementioned Law, and considering the provisions of Articles 4, caput, items III and IV, and 6, caput, items I and VII-A and § 19, item IV, of Law No. 14,620, of July 13, 2023, as well as Article 5, §§ 2 and 4, of Decree No. 12,424, of April 3, 2025, Article 59-A of Law No. 12,351, of December 22, 2010, and Article 4 of MCID Ordinance No. 1,177, of October 8, 2025,
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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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