{"id":956,"date":"2022-08-11T15:04:39","date_gmt":"2022-08-11T20:04:39","guid":{"rendered":"https:\/\/test.hito.com.mx\/?page_id=956"},"modified":"2023-06-19T12:05:06","modified_gmt":"2023-06-19T18:05:06","slug":"services","status":"publish","type":"page","link":"https:\/\/www.hito.com.mx\/en\/servicios\/","title":{"rendered":"Services"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"956\" class=\"elementor elementor-956\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6f298d elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-full_width elementor-section-height-default elementor-invisible\" data-id=\"c6f298d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-2bb2845\" data-id=\"2bb2845\" data-element_type=\"column\" data-e-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-c75f6a5 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c75f6a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SERVICES<\/h2>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-950313c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"950313c\" data-element_type=\"section\" data-e-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-8e59e5e\" data-id=\"8e59e5e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19eb140 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"19eb140\" data-element_type=\"section\" data-e-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-inner-column elementor-element elementor-element-b8abc85\" data-id=\"b8abc85\" data-element_type=\"column\" data-e-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-09045d5 elementor-widget elementor-widget-menu-anchor\" data-id=\"09045d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"historia\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5e535 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1a5e535\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A SOLUTION FOR EVERY NEED<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb2529f animated-slow elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"eb2529f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-aabc86b elementor-section-full_width elementor-section-content-middle animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"aabc86b\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c226d31\" data-id=\"c226d31\" data-element_type=\"column\" data-e-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-48098de elementor-widget elementor-widget-image\" data-id=\"48098de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-scaled.jpg\" class=\"attachment-full size-full wp-image-2044\" alt=\"\" srcset=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-scaled.jpg 2560w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-300x200.jpg 300w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-1024x683.jpg 1024w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-768x512.jpg 768w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-1536x1024.jpg 1536w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-2048x1365.jpg 2048w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1556915846-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-50a8ed4\" data-id=\"50a8ed4\" data-element_type=\"column\" data-e-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-e1c5a6c elementor-widget elementor-widget-menu-anchor\" data-id=\"e1c5a6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"administracion-maestra\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbb87e1 elementor-widget elementor-widget-heading\" data-id=\"cbb87e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Master Servicing <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c17a91 elementor-widget elementor-widget-text-editor\" data-id=\"0c17a91\" data-element_type=\"widget\" data-e-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\t\t<p>HiTo's Master Servicing is a service that supervises and verifies the roles of the participants in financial structures, providing certainty and value to the investor via an independent replica of the servicing and collection processes of the loan portfolio.<\/p><p>In addition, the integral compliance of the different enhancements of the structures, such as triggers and reserves, is calculated and verified.<\/p>\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-1fc12ac elementor-widget elementor-widget-toggle\" data-id=\"1fc12ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-3321\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-3321\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does it entail?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-3321\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-3321\"><ul><li>HiTo supervises the originator in terms of compliance with the portfolio's eligibility criteria and its assignment to the trust.<\/li><li>Supervises the primary portfolio manager in terms of file control, payments, balances, insurance, guarantees, recoveries and operating systems associated with the trust's portfolio.<\/li><li>Oversees the interests of investors\/trustees by supervising contractual compliance with the cashflow distribution, calculation of capacity, portfolio eligibility, investment of resources, and payment to investors.<\/li><li>Depending on the structure, HiTo will prepare the supervised portfolio's Financial Statements and Regulatory Reports.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d518fc6 elementor-section-full_width elementor-section-content-middle animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d518fc6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-068fa6b\" data-id=\"068fa6b\" data-element_type=\"column\" data-e-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-feb00c6 elementor-widget elementor-widget-menu-anchor\" data-id=\"feb00c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"administracion-primaria\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ffea546 elementor-widget elementor-widget-heading\" data-id=\"ffea546\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Primary Servicing <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb589fb elementor-widget elementor-widget-text-editor\" data-id=\"eb589fb\" data-element_type=\"widget\" data-e-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\t\t<p>This refers to a group of services that include comprehensive management with each of the creditors and the internal processes involved in the loan servicing.\u00a0<\/p><p>The servicing includes call center, Statement of Account generation, clarifications, the release of loan guarantees, court proceedings, and sale of immovable property, among others.<\/p><p>For portfolio investors, HiTO generates regulatory reports, collection reports, cashflows, reserves, financial statements, and the use of artificial intelligence to improve the collection, among others.<\/p>\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-a8bc7eb elementor-widget elementor-widget-toggle\" data-id=\"a8bc7eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1761\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1761\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">As a Primary Servicer, HiTO offers the following services:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1761\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1761\"><ul><li>Integration, completion, control, and safekeeping of credit files.<\/li><li>Expiration monitoring and loan insurance update.<\/li><li>Interest calculation and loan amortization tables.<\/li><li>Verification and reconciliation of collections received.<\/li><li>Report updates to the Authorities on the status and balance of the loans.<\/li><li>Identification of non-performing loans and implementation of ordinary, extraordinary and judicial collection actions, optimizing the present value of the cash flows to be recovered.<\/li><li>Account statement issuance and proof of interest payment.<\/li><li>Release of liens for liquidated loans.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3db60e3\" data-id=\"3db60e3\" data-element_type=\"column\" data-e-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-60ebd71 elementor-widget elementor-widget-image\" data-id=\"60ebd71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1644\" src=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-scaled.jpg\" class=\"attachment-full size-full wp-image-2045\" alt=\"\" srcset=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-scaled.jpg 2560w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-300x193.jpg 300w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-1024x658.jpg 1024w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-768x493.jpg 768w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-1536x986.jpg 1536w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-2048x1315.jpg 2048w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_552445588-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cd31a78 elementor-section-full_width elementor-section-content-middle animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"cd31a78\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cdca18d\" data-id=\"cdca18d\" data-element_type=\"column\" data-e-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-e82cfd0 elementor-widget elementor-widget-image\" data-id=\"e82cfd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"2560\" height=\"1250\" src=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-scaled.jpg\" class=\"attachment-full size-full wp-image-2050\" alt=\"\" srcset=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-scaled.jpg 2560w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-300x146.jpg 300w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-1024x500.jpg 1024w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-768x375.jpg 768w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-1536x750.jpg 1536w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-2048x1000.jpg 2048w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_557979688-18x9.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9c1ade9\" data-id=\"9c1ade9\" data-element_type=\"column\" data-e-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-28b69ff elementor-widget elementor-widget-menu-anchor\" data-id=\"28b69ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"estructuraciones\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05812dc elementor-widget elementor-widget-heading\" data-id=\"05812dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Structuring <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a553ddb elementor-widget elementor-widget-text-editor\" data-id=\"a553ddb\" data-element_type=\"widget\" data-e-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\t\t<p>HiTO provides a variety of portfolio structuring options tailored to both lenders\u2019 needs and investors\u2019 security and performance requirements. HiTO listens to the client's needs and weighs them against its own projections, financial, legal, regulatory, accounting and tax analyses to arrive at the optimal form or structure of the issuance, complying with several due phases of diligence.<\/p>\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-354cbe0 elementor-widget elementor-widget-toggle\" data-id=\"354cbe0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-5581\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-5581\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are HiTO\u2019s advantages in Structuring?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-5581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-5581\"><p><strong>For lenders:<\/strong><\/p><ul><li>Managing liquid collateral and in portfolio scheme.<\/li><li>Release of residual resources to the originator at each coupon cutoff.<\/li><li>Savings from the amortization of issuance through the repurchase of bonds issued in the secondary market.<\/li><li>Manage reopening of issuance schemes to achieve higher outstanding balances to facilitate the secondary market.<\/li><li>Continuous monitoring of issuance behavior to identify needs and opportunities to improve performance.<\/li><\/ul><p><strong><br \/>For investors:<\/strong><\/p><ul><li>Higher returns, compared to other issuances.<\/li><li>Increased accuracy in the cash flows to be received at each coupon cutoff and in the valuation of their prices.<\/li><li>Short-term support with available resources to provide liquidity in the event that the price of their bonds falls below par.<\/li><li>Higher issued amounts, due to the reopening scheme.<\/li><li>Recovery mechanisms to offset impairments in the capacity levels of bond issues.<\/li><li>Innovative, extensive information and analysis systems on the performance of stock market issuances.<\/li><li>Valuation of residual certificates.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3352bf3 elementor-section-full_width elementor-section-content-middle animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"3352bf3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-98ed43d\" data-id=\"98ed43d\" data-element_type=\"column\" data-e-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-1214532 elementor-widget elementor-widget-menu-anchor\" data-id=\"1214532\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"consultoria\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fa228b elementor-widget elementor-widget-heading\" data-id=\"6fa228b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Consulting Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-946592a elementor-widget elementor-widget-text-editor\" data-id=\"946592a\" data-element_type=\"widget\" data-e-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\t\t<p>HiTo's consulting services offer diagnosis, analysis and evaluation of alternatives to improve the customer's products and services, from their design to their final implementation.<\/p>\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-976c125 elementor-widget elementor-widget-toggle\" data-id=\"976c125\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1581\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1581\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does it entail?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1581\"><ul><li>Profitability analysis and financial products redesign to improve financial margins.<\/li><li>Infrastructure design to operate the loan product and its financing.<\/li><li>Loan operation platform implementation.<\/li><li>Improvement proposals for financing mechanisms.<\/li><li>Restructuring implementation and performance monitoring.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-b5e3289\" data-id=\"b5e3289\" data-element_type=\"column\" data-e-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-344e982 elementor-widget elementor-widget-image\" data-id=\"344e982\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-scaled.jpg\" class=\"attachment-full size-full wp-image-2047\" alt=\"\" srcset=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-scaled.jpg 2560w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-300x200.jpg 300w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-1024x683.jpg 1024w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-768x512.jpg 768w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-1536x1024.jpg 1536w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-2048x1365.jpg 2048w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_662396524-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-447d5d0 elementor-section-full_width elementor-section-content-middle animated-slow elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"447d5d0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c2d02ed\" data-id=\"c2d02ed\" data-element_type=\"column\" data-e-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-b8f16c7 elementor-widget elementor-widget-image\" data-id=\"b8f16c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1741\" src=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-scaled.jpg\" class=\"attachment-full size-full wp-image-2048\" alt=\"\" srcset=\"https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-scaled.jpg 2560w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-300x204.jpg 300w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-1024x696.jpg 1024w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-768x522.jpg 768w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-1536x1044.jpg 1536w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-2048x1393.jpg 2048w, https:\/\/www.hito.com.mx\/wp-content\/uploads\/2023\/06\/shutterstock_1175642452-18x12.jpg 18w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c0fe117\" data-id=\"c0fe117\" data-element_type=\"column\" data-e-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-32f43e9 elementor-widget elementor-widget-menu-anchor\" data-id=\"32f43e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"backup\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f269fa0 elementor-widget elementor-widget-heading\" data-id=\"f269fa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Backup Servicing<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d23313 elementor-widget elementor-widget-text-editor\" data-id=\"5d23313\" data-element_type=\"widget\" data-e-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\t\t<p>HiTO, as a Backup Servicer, takes over key functions (mainly collections and loan administration) for assets or accounts receivable portfolios. HiTO receives and analyzes portfolio data regularly, preparing to take over primary servicer duties in case of a triggering event (such as the default of existing servicer or insolvency of the servicer\/originator).<\/p>\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-5532a1f elementor-widget elementor-widget-toggle\" data-id=\"5532a1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-8931\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8931\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What does it entail?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-8931\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8931\"><p><strong>The functions of a Backup Servicer can be classified into three temperatures depending on the activities to perform and the level of Backup required for the portfolio:<\/strong><\/p><ul><li><strong>Cold Backup Servicer<\/strong>: Portfolio data storage originated by the Primary Servicer on independent and periodically updated systems. Loan and repayment data is updated infrequently, and it may take several months for the Backup servicer to take over servicing duties from the primary servicer.<\/li><li><strong>Warm Backup Servicer<\/strong>: Portfolio data processing\/payment application by HiTO on independent and updated systems according to the amortization schedule payment.\n Monthly reports on cash flow validation and bank reconciliation. It may take 3-4 months for the Backup servicer to take over servicing duties from the primary servicer.<\/li><li><strong>Hot Backup Servicer<\/strong>: Receive, monitor, and validate the progress of strategic collection actions. Operational transfer of functions plan. HiTO can take over servicing duties from the primary servicer briefly.<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\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\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>SERVICIOS UNA SOLUCI\u00d3N PARA CADA NECESIDAD Administraci\u00f3n Maestra La Administraci\u00f3n Maestra de HiTo es un servicio de supervisi\u00f3n y verificaci\u00f3n de las funciones de los participantes en las estructuras financieras que genera certidumbre y valor al inversionista al contar con una r\u00e9plica independiente de los procesos de administraci\u00f3n y cobranza de la cartera. Ademas se [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":20,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-956","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/pages\/956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/comments?post=956"}],"version-history":[{"count":107,"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/pages\/956\/revisions"}],"predecessor-version":[{"id":2228,"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/pages\/956\/revisions\/2228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/media\/20"}],"wp:attachment":[{"href":"https:\/\/www.hito.com.mx\/en\/wp-json\/wp\/v2\/media?parent=956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}