RegAlert2025-10-10 | Resolução CMN 5255Added
CMN Resolution No. 5,255 — Amends Resolution No. 4,676 of July 31, 2018 Regarding the SBPE, SFH, and SFI Systems
This resolution amends Resolution No. 4,676/2018 to introduce new rules for interfinancial real estate deposits within the Brazilian Savings and Loan System (SBPE), establishing eligibility criteria, a minimum one-year maturity, and prohibitions on early redemption or secondary market trading before that term. It mandates that SBPE institutions allocate 100% of resources from savings and these interfinancial deposits toward real estate credit operations, subject to specific calculation bases and control accounts effective January 1, 2027. The text defines eligible loan types, applies amortization factors based on loan duration and property value, imposes a 3% cap on certain personal loans with real estate guarantees, and requires financial penalties for non-compliance with allocation requirements.
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CMN RESOLUTION NO. 5,255, OF OCTOBER 10, 2025
Amends Resolution No. 4,676, of July 31, 2018, which provides for the members of the Brazilian Savings and Loan System – SBPE, the Housing Finance System – SFH, and the Real Estate Financing System – SFI, the general conditions and criteria for contracting real estate credit operations by financial institutions and other institutions authorized to operate by the Central Bank of Brazil, and regulates the direction of resources captured in savings deposits.
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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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