RegAlert2024-12-19 | Resolução CMN 5197Added
Resolution CMN No. 5197 of December 19, 2024
Resolution CMN No. 5197 amends Resolution No. 4,676/2018 by updating definitions for real estate credit, financing, and housing financing, and introducing new provisions for insurance coverage on loan operations. It establishes credit quota limits, allowing up to 90% for constant or increasing amortization systems, and mandates specific security requirements for real estate credit operations. The regulation also introduces new articles governing the registration of credit rights, additional guarantees, fee collection, and conditions for extending existing securities, with full effect starting July 1, 2025.
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Resolution No. 5,197
CMN RESOLUTION NO.
5,197, OF DECEMBER 19, 2024
Amends Resolution No.
4,676, of July 31, 2018, which provides for the members of the Brazilian Savings and Loan System – SBPE, the Housing Financial System – SFH and the Real Estate Financing System – SFI, the general conditions and criteria for contracting real estate financing by financial institutions and other institutions authorized to operate by the Central Bank of Brazil and regulates the allocation of resources collected in savings deposits.
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Lineage: In force
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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