Advertisements
The federal government launched “Desenrola Brasil” with the mission of helping millions of Brazilians pay off their debts and get rid of default records. In its first phase, the program, under the name Faixa 2, has already served people with incomes above two minimum wages.
Next, Band 1 aims to serve those who earn up to two minimum wages or who are registered with CadÚnico to restructure their debts, whether bank debts or not, up to the amount of R$ 5 thousand.
Understanding Desenrola Brasil
“Desenrola Brasil” is a government effort to allow citizens to settle their debts and restore their financial health. To benefit, it is essential to meet the requirements of each stage.
Advertisements
Read also: Desenrola Brasil begins second phase of renegotiation: Find out who can benefit now
In Band 1, those who earn up to two minimum wages or who are registered with CadÚnico as part of social assistance and income redistribution programs can participate. In addition, debtors must assume the debts between January 2019 and December 2022 and not exceed R$1,000.
Advertisements
Target Audience
The focus of Band 1 of “Desenrola Brasil” is on low-income individuals, who often face financial obstacles to paying off their debts. Those who earn up to two minimum wages or are registered with CadÚnico as part of social and redistribution programs can benefit. It is worth noting that debts must date from January 2019 to December 2022 and be a maximum of R$$ 5 thousand.
Types of Debts Covered
Desenrola Brasil covers both bank and non-bank debts. Thus, renegotiations involving registrations with Serasa, SPC and other credit agencies, as well as consumer debts such as water, electricity and telephone bills, and outstanding debts with retailers are included. However, public debts, such as taxes and Fies, are not eligible for Desenrola.
Registration on the Gov.br Platform
To join Desenrola Brasil, it is essential to register on the Gov.br platform. Registration, done on the website www.gov.br, is practical. After the Federal Revenue Service or the INSS validate the completion of a questionnaire, they establish your account.
There are three account levels: bronze, silver and gold. To reach the silver level, facial biometrics with a driver's license, being a federal employee or logging in via a bank are required. The gold level requires facial recognition via the app, authentication via TSE or an ICP-Brasil digital certificate.
Terms and Payment Methods in Desenrola
Desenrola Brasil can divide the restructured debts into up to 60 installments, with the smallest fixed installment at R$1,991,400. Interest can reach R$1,991,400 per month. Banks can finance the payments.
If you opt for financing, banks can debit payments directly, issue bank slips, or use Pix to process payments. In the case of a one-off payment, the platform transfers the funds directly to the creditor.
Simulation and Request to the Bank
Before financing, the platform allows you to simulate the conditions. After the simulation, the user can proceed with the financing request.
The chosen bank will receive the request, detailing the conditions and debts involved. The institution will analyze and inform about approval or rejection via the platform.
Withdrawal and Consequences of Default
Read also: Desenrola Brasil: Renegotiations of Early Debts by Grand Stores
If the participant withdraws before signing the contract, there will be no complications. However, defaulting on payments may result in a new negative rating. Therefore, it is crucial to organize yourself to meet payments and avoid complications.
Protecting Yourself from Desenrola Fraud
When renegotiating debts through Desenrola Brasil, it is vital to be vigilant against fraud. Avoid dubious websites and apps, do not click on suspicious links and be wary of requests for advance payment.
If in doubt, contact the bank through official means.
In short, Desenrola Brasil represents a chance for many Brazilians to settle their accounts. Although it offers advantageous conditions, it is vital to follow safety tips to ensure a safe and productive experience, aiming for a stable financial future.
