{"id":660,"date":"2020-09-27T00:30:35","date_gmt":"2020-09-27T00:30:35","guid":{"rendered":"https:\/\/trujilloabogados.mx\/?p=660"},"modified":"2020-11-04T20:03:46","modified_gmt":"2020-11-04T20:03:46","slug":"secretaria-de-hacienda-presenta-nuevo-paquete-de-medidas-para-reestructuracion-de-creditos","status":"publish","type":"post","link":"https:\/\/trujilloabogados.mx\/eng\/secretaria-de-hacienda-presenta-nuevo-paquete-de-medidas-para-reestructuracion-de-creditos\/","title":{"rendered":"Ministry Of Finance Presents New COVID19 Credit Restructuring Program"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"660\" class=\"elementor elementor-660\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ada19dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ada19dc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82e0a9e\" data-id=\"82e0a9e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-284022e elementor-widget elementor-widget-image\" data-id=\"284022e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"360\" src=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2020\/09\/WhatsApp-Image-2020-09-25-at-2.58.42-PM.jpeg\" class=\"attachment-1536x1536 size-1536x1536 wp-image-663\" alt=\"\" srcset=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2020\/09\/WhatsApp-Image-2020-09-25-at-2.58.42-PM.jpeg 640w, https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2020\/09\/WhatsApp-Image-2020-09-25-at-2.58.42-PM-300x169.jpeg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bc52d elementor-widget elementor-widget-text-editor\" data-id=\"11bc52d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>The regulatory ease intends to promote loan restructuring so that financial institutions can adjust payment schedules to the new economic reality of the borrowers and their families, for which payments shall invariably be reduced by at least 25%, which will imply extending the remaining term by up to 50% from the original maturity, as well as lowering interest rates and waiving principal payments.<\/p><p>Therefore, financial authorities, through the National Banking and Securities Commission, decided to implement four new measures to encourage and enable banks and other financial intermediaries to restructure client loans upon request.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1778be5 elementor-widget elementor-widget-text-editor\" data-id=\"1778be5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The measures included in this package are:<\/p><ol><li>Computing a lower amount of specific reserves when restructuring is agreed with the client.<\/li><li>Recognition of the specific reserves released by the loan restructuring as additional reserves.<\/li><li>They may recognize a higher regulatory capital when considering the additional reserves as part of the suppletory capital.<\/li><li>Prudently reduce capital requirements for credit risk.<\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e341492 elementor-widget elementor-widget-text-editor\" data-id=\"e341492\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In addition, to encourage financial inclusion and new lending, the following three measures will be taken in connection with banks:<\/p><ul><li>The use of the capital buffer is extended until December 31, 2021.<\/li><li>Liquidity requirements are extended until March 2021, allowing banks to temporarily reduce their liquidity buffers below 100% of their needs.<\/li><li>The regulation that allows the opening of accounts and contracting of credits without the need of the client to be present at the bank is extended to legal entities.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e09df40 elementor-widget elementor-widget-text-editor\" data-id=\"e09df40\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Furthermore, the limits established for credit contracting and account opening are eliminated, facilitating the opening of simplified identification accounts considered low risk for SOFIPOs (Popular Financial Corporations) and SOCAPs(Savings and Loan Cooperative Corporations).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1cc5a6 elementor-align-center elementor-widget elementor-widget-raven-button\" data-id=\"b1cc5a6\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2020\/09\/new-Covid19-credit-restructuring-program.pdf\" target=\"_blank\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t<span class=\"raven-button-icon raven-button-icon-position-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>La facilidad regulatoria pretende promover restructuras de los cr\u00e9ditos para que las instituciones financieras ajusten los esquemas de pago a la nueva realidad de las econom\u00edas de los acreditados y sus familias, para lo cual invariablemente deber\u00e1 disminuir el pago que se ven\u00eda realizando, al menos en un 25%, lo que implicar\u00e1 que se ampl\u00ede [&hellip;]<\/p>","protected":false},"author":1,"featured_media":663,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-660","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones"],"acf":[],"_links":{"self":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/660","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/comments?post=660"}],"version-history":[{"count":7,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/660\/revisions"}],"predecessor-version":[{"id":672,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/660\/revisions\/672"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/media\/663"}],"wp:attachment":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/media?parent=660"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/categories?post=660"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/tags?post=660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}