Que es una sofom y sofol


The Sofol has the main role that is relevant in the supply of mortgage credit, since it can promote nine percent of the loans that are granted, a third of the amount in which the societies provide; As their main functions or sources of financing are the credits obtained from the Sociedad Hipotecaria Federal (SHF), in the issuance of commercial paper and in the securitization of mortgages, which can generate assets, the Sofoles use the securitization of mortgages, because it allows them to transform them into securities and to generate other mortgages or to face short-term liabilities.
The solution that is needed goes hand in hand with the strengthening of the non-bank financial system, with products and with highly specialized attention schemes in those market segments where they intend to offer a better service. Besides, it is a financial system made up of microfinance institutions, cooperatives and even credit unions, and among the figures that are also found are the sofoles, in the entity that was born in 1993 within the framework of the negotiation of the North American Free Trade Agreement and in search of an equivalent to existing models in the United States and Canada.


It is extremely important that they follow the provisions of Article 87-B of the General Law of Credit Organizations and Auxiliary Activities. From there, they can perform any type of financial operations. Now that you are informed about this, do not miss this opportunity to apply for your credit in the company you consider most convenient.
Since they are corporations that offer loans to a specific sector, for example: mortgages, consumer, agro-industrial, micro-credits, SMEs. In order to carry out their activities, they need to raise funds from several institutions.


When we think of financial entities, we only consider banks, but there are many more entities that are worth knowing, not only to have more options, but also to know what authorizations they have and how to identify those that are not properly constituted.
Sofipos are Soecidades Financieras Populares and are microfinance entities, constituted as Sociedades Anónimas de Capital Variable, which operate through the authorization of the Comisión Nacional Bancaria y de Valores (CNBV).
Sofipos, as well as Community Financial Institutions (SOFINCO), Rural Financial Integration Organizations (OIFR) and Savings and Loan Cooperative Societies (SCAP) are qualified to provide services to both their members and their clients, under the terms of the Law of Popular Savings and Loans.
As of July 18, 2013, due to the repeal of the sections of the Law that gave rise to them, Sofoles ceased to be considered authorized and regulated financial institutions under the terms of the Law of Credit Institutions and consequently ceased to be supervised by the CNBV. The Sofoles that decided to continue operating as regulated entities sought their transformation to a figure regulated and supervised by the CNBV before the aforementioned date.

Sofom e.n.r. mexico

Sofomes that are regulated by the National Banking and Securities Commission (CNBV) have the abbreviation E.R. (Regulated Entity) and are distinguished by the fact that they maintain equity links with Financial Group Holding Companies or credit institutions.
An unregulated Sofom is one whose capital does not form part of the Financial Group Holding Companies that are part of credit institutions or lending institutions; these Sofomes have the abbreviation E.N.R. (Entidad No Regulada).
However, both types of Sofom are regulated and supervised by the government, in addition to complying with data protection regulations for their financial users and money laundering issues.
The main difference is that a Sofol is regulated and requires authorization from the Federal Government to carry out its authorized credit operations, while a Sofom does not require such authorization and may not be regulated.
Since July 18, 2013 and due to the repeal of the sections of the Law that originated them, Sofoles ceased to be considered as an authorized financial entity regulated by the Law of Credit Institutions and consequently are no longer supervised by the CNBV.

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