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The first phase of the Desenrola program, an initiative of the Federal Government, began this Monday (17). During this stage, banks are responsible for establishing the negotiation terms.
Desenrola aims to help Brazilians in default negotiate their debts.
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For now, attention is focused mainly on citizens classified in Group 2, who have debts of up to R$ 20,000 with banks, incurred before December 31, 2022. To negotiate, debtors must contact the bank where they incurred the debt directly.
Negotiation terms
Although the Desenrola program is only in its initial phase, it is noticeable that some banks are already offering benefits. For example, at Santander and Banco do Brasil, customers have the option of splitting their debts into up to 120 installments.
Read also: Desenrola Program: Find out how to enroll with different financial institutions
Caixa Econômica Federal
Interest rate: Payment in up to 96 months;
Discounts: From 40% to 90% for full payment.
Banco do Brasil
The interest rate, in turn, varies according to the customer's profile, the length of the delay, and the type of debt.
Payment term: Up to 120 months;
Discounts: Up to 96% for upfront payments.
Itaú
Interest rate: Not disclosed.
Payment period: Not disclosed.
Discounts: Up to 60% on interest rates.
Santander
Interest rate: Depends on the type of debt.
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Payment period: Up to 120 months.
Discounts: Up to 90%, depending on the case.
Bradesco
Interest rate: Depends on the type of debt.
Payment period: Up to 60 months.
Inter
Interest rate: Not disclosed.
Payment period: Up to 36 months.
Discounts: Up to 90%.
Lula's praise for the project
In his weekly livestream, President Lula praised the Desenrola program. He stated that this initiative will help improve credit conditions and encourage people to take on new debt responsibly.
He highlighted the banks' strong interest in debtors, with some banks offering discounts of up to 96% on the debt. The president also previewed the program's extension to retail debts.
Lula emphasized the importance of settling small debts before the end of the year, encouraging people to take on new debt responsibly.
Desenrola's Tier 1
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Although Lula mentioned how the Desenrola app works, there is unconfirmed information that the app is still not ready. This app will allow citizens in Tier 1 to negotiate. These are people who earn up to two minimum wages (R$ 2,640) and have debts of up to R$ 5,000 incurred by the end of last year.
There is still no date for negotiations to begin for this group. However, the Desenrola program is expected to offer better payment terms for Tier 1, thanks to the so-called Guarantee Fund.
This is a fund that the Federal Government promises to pay companies in the event of default. Thus, the creditor begins the negotiation knowing that the debt will be settled, allowing for better payment terms. This is the Federal Government's expectation.
