The BRSA decision dated 16 December 2010 and numbered 3980 (published in the Official Gazette dated 18 December 2010 and numbered 27789) sets forth restrictions on banks providing consumer mortgage loans and commercial mortgage loans. Such restrictions include, amongst others, a requirement to abide by the loan-to-value ratios (75% for consumer mortgage loans and 50% for commercial mortgage loans) and a requirement to have the property valuated by an appraisal company authorised by the BRSA.