(5)

Article 6 is amended as follows: paragraph 2 is amended as follows: the introductory wording is replaced by the following: ‘In addition to paragraph 1, Member States shall ensure that the following deposits are protected to an amount of not less than EUR 500 000 for six months after that amount has been credited or from the moment when such deposits become legally transferable:’; point (a) is replaced by the following: ; deposits resulting from real estate transactions by a natural person relating to private residential properties and deposits intended for such transactions, provided that those transactions have been concluded or are intended to be concluded in the short term, and provided that that natural person can provide documents proving that before the date on which a relevant administrative authority makes a determination as referred to in Article 2(1), point (8)(a), or on which a judicial authority makes a ruling as referred to in Article 2(1), point (8)(b), such transaction had been concluded or was intended to be concluded in the short term;’ the following subparagraphs are added: ‘For the purposes of point (a) of the first subparagraph, Member States shall ensure that deposits are protected to a maximum amount of EUR 2 500 000. For the purposes of point (a) of the first subparagraph, Member States shall define “short term” in national law.’; the following paragraph is inserted: ‘2a. Member States shall ensure that the coverage level laid down in paragraph 2 is supplementary to the coverage level laid down in paragraph 1.’ ; paragraph 6 is replaced by the following: ‘6. The Commission shall review periodically, and at least once every five years, the amounts referred to in paragraphs 1 and 2. If appropriate, the Commission shall submit to the European Parliament and to the Council a proposal for a legislative act to adjust the amount referred to in paragraph 1, taking account in particular of developments in the banking sector and the economic and monetary situation in the Union, as well as to adjust the amounts referred to in paragraph 2, taking into account the evolution of real estate prices in different Member States, and the need to ensure proportionality and a level playing field across the Union.’ ;

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Source: EUR-Lex (Cellar) · retrieved 2026-10-08 · Text as adopted (Official Journal); later amendments are not incorporated in this text.