+Guidelines on ADC exposures to residential property under CRR 3 (EBA/GL/2025/03)
---+1. Compliance and reporting obligations
------+Status of these guidelines
---------+1. This document contains guidelines issued pursuant to Article 16 of Regulation (EU) No 1093/2010 …
---------+2. Guidelines set the EBA view of appropriate supervisory practices within the European System of …
------+Reporting requirements
---------+3. According to Article 16(3) of Regulation (EU) No 1093/2010, competent authorities must notify …
---------+4. Notifications will be published on the EBA website, in line with Article 16(3) of Regulation …
---+2. Subject matter, scope and definitions
------+Subject matter
---------+5. These guidelines specify, in accordance with Article 126a(3) of Regulation (EU) 575/2013 (CRR) …
------+Scope of application
---------+6. These guidelines apply in accordance with the scope of application of Article 126a of the CRR.
------+Addresses
---------+7. These guidelines are addressed to competent authorities as defined in Article 4, point (2)(i) of …
------+Definitions
---------+8. Unless otherwise specified, terms used and defined in CRR have the same meaning in the …
---+3. Implementation
------+Date of application
---------+9. These guidelines apply from 04/11/2025. 12
---+4. Legally binding contracts
------+Substantial Cash Deposit
---------+10. For the purposes of Article 126a(2), point (a), of the CRR, the cash deposit made for a legally …
---------+11. For the purposes of Article 126a(2), point (a), of the CRR, the cash deposit made for a legally …
------+Financing ensured in an equivalent manner
---------+12. For the purposes of Article 126a(2), point (a), of the CRR, the financing should be considered …
------+Significant portion of total contracts
---------+13. For the purpose of Article 126a(2)(a) of the CRR, the legally binding pre-sale and sale …
---------+14. For pre-sale and sale contracts, the percentage referred to in paragraph 13 should be …
---------+15. In the event that the ADC project related to the residential property is financed through a …
---------+16. For pre-lease and lease contracts, the percentage referred to in paragraph 13 should be …
---------+17. Where the intended use of the property is partly for sale and partly for lease, the institution …
---------+18. Where the intended use of the property is partly for sale and partly for lease and where the …
---+5. Appropriate amount of obligor-contributed equity
------+19. The amount of obligor-contributed equity to the residential property value upon completion …
------+20. For the purposes of paragraph 19 of these Guidelines, only those investments made by the …
------+21. Obligor-contributed equity is the total amount of investments qualified according to paragraph …
---+6. Consideration of the specificities of lending to public housing or not-for-profit entities
------+22. ADC exposures to public housing or not-for profit entities across the Union that are regulated …
------+23. For the ADC exposures mentioned in paragraph 22, the requirement for a significant portion of …
------+24. For the ADC exposures referred to in paragraph 22, the appropriate amount of …
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Guidelines on ADC exposures to residential property under CRR 3 (EBA/GL/2025/03)

Guidelines on ADC exposures to residential property under CRR 3 (EBA/GL/2025/03)

https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/credit-risk/guidelines-adc-exposures-residential-property-under-crr-3 – PDF

1. Overview

,
1. Compliance and reporting obligations

1. Compliance and reporting obligations
2. Subject matter, scope and definitions

2. Subject matter, scope and definitions
3. Implementation

3. Implementation
4. Legally binding contracts

4. Legally binding contracts
5. Appropriate amount of obligor-contributed equity

5. Appropriate amount of obligor-contributed equity
6. Consideration of the specificities of lending to public housing or not-for-profit entities

6. Consideration of the specificities of lending to public housing or not-for-profit entities

1.1 References

1.2 Identified Requirements

1.3 Related Standards

2. Identified Requirements

Requirements

3. Related Standards

Standards
  • EBA - Published by the European Banking Authority at https://www.eba.europa.eu/