Advertisements
The person responsible for the text establishing Desenrola discussed possible changes to the debt restructuring scheme. Check it out!
Desenrola represents the debt restructuring scheme presented by the Federal Government. Last Thursday (24), Alencar Santana (PT), the person responsible for the analysis, presented the report concerning the bill establishing the mechanism. According to the congressman, the document retained its essence but received some adjustments.
In this way, the program continues along the path based on the guidelines originally announced by the government. The lawmaker added that the subsequent stage, scheduled for September, remains assured for the inclusion of one of the income brackets.
For now, at this initial stage, only group 2, which covers individuals with incomes from R$ 2,640 to R$ 20,000 with bank debts, is eligible to participate in Desenrola. The agreements are concluded directly between the debtors and the banks participating in the scheme.
Main Desenrola guidelines
Read also: Desenrola Brasil: Debt Renegotiations Anticipated by Major Retailers
Desenrola is divided into two income segments and aims to reduce the rate of indebted people in Brazil. In the context of group 1, it covers citizens earning up to two minimum wages or those registered with the Cadastro Único.
For this group, the program will accept debts of no more than R$ 5 thousand, and the agreement must be made through a system introduced by the government. This will take place starting in September, coinciding with the beginning of the second stage.
The program also determined that the participating banks should regularize the financial situation of all citizens indebted by up to R$ 100. However, the debtor will have to settle this amount later.
Bill on the scheme discusses revolving credit rates
Read also: Learn everything about Values to Receive
As highlighted by Alencar, the Provisional Measure concerning Desenrola also addresses revolving credit card rates. Currently, this modality is one of the most costly and is one of the main causes of indebtedness and nonpayment among citizens.
The congressman indicated that the document suggests a 100% cap on these rates if the banks do not propose a solution within 90 days. This year, the revolving rate exceeded 400%.
