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The Ministry of Finance announced in the Official Gazette of the Federal Government the guidelines for the second stage of Desenrola Brasil, a program aimed at renegotiating debts. This phase, called Track 1, will begin in September, targeting people who earn up to two minimum wages or who are registered with the Single Registry for Social Programs of the Federal Government (CadÚnico), provided that their debts do not exceed R$5,000.
Who is eligible to enroll?
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Track 1 of Desenrola Brasil covers bank and consumer debts, such as basic utility bills and retail purchases. However, it is important to emphasize that secured debts, real estate financing, agricultural credit, and transactions involving foreign financing or risks are not included in this track.
Rules for debt restructuring:
See below the main rules defined for debt renegotiation under Desenrola Brasil Track 1:
- Debts registered by December 31, 2022, are eligible for renegotiation.
- The settlement can be made in a lump sum or through financing in up to 60 monthly installments.
- Those who choose financing do not need to make a down payment.
- The first installment is due 30 days after the renegotiation.
- The interest rate will be 1.99% per month.
- The installments can be paid by automatic debit, Pix, or bank slip.
- If the payer defaults, the bank has the right to collect and report your name as delinquent again.
It is relevant to mention that banks involved in Desenrola Faixa 1 will earn a 2.5% commission on the principal amount of the restructured debt as compensation for the services provided.
How to participate in Desenrola Brasil?
To join this phase of Desenrola Brasil, the program launched an app to streamline the process. It is also possible to register on the Federal Government portal. See how:
- Access the portal.
- Select “sign in with gov.br”.
- Enter your CPF in the appropriate field.
- Register or sign in with your existing account.
- If the program is available, the registration option will appear.
Impact of the new guidelines
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The purpose of the new guidelines for the second phase of Desenrola Brasil is to expand the program and prioritize the low-income population. By allowing renegotiations of up to R$ 5,000, the aim is to offer financial relief to those struggling to pay off their debts.
The government strategy of facilitating renegotiation aims at social inclusion and national economic recovery. Through Desenrola Brasil, it is expected that more citizens will regularize their finances and regain access to credit and other assistance.
Now that the guidelines are available, it is crucial that interested parties are aware of the deadlines and stages. Restructuring debts can be a valuable opportunity to restore financial stability.
Therefore, if your debts qualify for Desenrola Brasil, take advantage of this opportunity. Access the Government portal or use the program's app and follow the instructions. Participating can bring benefits, such as regularizing your situation and restoring your financial health.
Do not miss this chance to join Desenrola Brasil and benefit from its facilities. Adapt to the new guidelines and move toward financial stability and well-being.
