The supervisory authority may, after hearing the leading associations of the undertakings, lay down restrictions, by way of a general ruling, on the granting of loans for the construction or acquisition of residential real estate located domestically, where and insofar as this is necessary to counteract a disruption to the functioning of the domestic financial system or a threat to domestic financial stability. Section 48u(1), second to fifth sentences, and (2) to (4), of the Banking Act applies correspondingly. The Federal Ministry of Finance is authorised, for undertakings not subject to supervision by the supervisory authorities of the Länder, to issue, after hearing the leading associations of the undertakings, more detailed provisions by statutory instrument not requiring the consent of the Bundesrat, in accordance with the correspondingly applicable section 48u(5), points 1 to 5, of the Banking Act.