Advertisements
The most recent stage of the program Unroll starts this Monday, (25), providing several opportunities for those who wish to settle their financial debts. In this article, we will explain specific details about the procedure, as well as useful advice for restructuring your debts effectively.
THE Unroll, an initiative of the Federal Government focused on debt restructuring, launches its second phase this Monday (25). This stage promotes auctions between creditors (banks and companies) for debts of Brazilian citizens who have an income of up to two minimum wages and debts of up to R$ 20 thousand.
Desenrola Brasil: Definition and Operation
Read also: Bill Unrolls May Be Voted on in Coming Days to Prevent Disruption; Learn More
Advertisements
The main purpose of Unroll Brazil The program aims to simplify debt renegotiation and make credit more accessible. The program creates a competitive environment through auctions, with the aim of getting companies to offer the best reductions to consumers. Creditors who propose the highest reductions will receive funds from the Operations Guarantee Fund (FGO) to cover potential defaults.
Eligibility for the Unroll
The next phase of the Unroll It is aimed at individuals with a monthly income of up to 2 minimum wages (R$ 2,640) or those registered in the Single Registry for Social Programs of the Federal Government (CadÚnico). The government forecast is that approximately 40 million people in this category will be able to renegotiate around R$ 50 billion in debts.
Advertisements
How to Get Involved in the Desenrola Auction
Interested entities must Monday to Wednesday to submit proposals for reductions. Based on the creditors' offers, the transactions will be executed by the Treasury from October onwards, until the amount reserved for guarantee by the Operations Guarantee Fund (FGO) is exhausted.
Possible Debts for Renegotiation
Debts incurred between January 1, 2019 and December 31, 2022 will be subject to renegotiation. Financial and consumer debts, such as:
- Water;
- Electric Energy;
- Communications;
- Business.
They are subject to renegotiation.
Recommendations for Restructuring Debts
Debt restructuring requires planning and organization. It is crucial that the individual is able to pay off debts after renegotiation to avoid future negative entries. Here are some useful tips:
- Understand your Payment Capacity: Essentially, understanding your financial constraint is crucial.
- Sort out your finances: Keeping a record of your monthly income and expenses helps you clearly visualize the funds available to pay off debts.
- Know the Total Effective Cost of Debts: Identifying this value can guide the decision of which debt to prioritize in the renegotiation.
Advantages of the Desenrola Program
Participate in Unroll offers multiple benefits:
- Facilitation of debt restructuring;
- Possibility of obtaining considerable discounts;
- Chance to regularize the name;
- Improvement in personal financial management.
Results of the Initial Phase of the Development
In the initial phase of the Unroll, there was a renegotiation of R$ 13.2 billion in 1.9 million contracts, benefiting 1.6 million customers and regularizing the situation of 6 million people with debts of up to R$100.
Predictions for the Next Stage of Development
Read also: Desenrola Brasil: New Debt Renegotiation Phase Begins
With the beginning of the new phase of Unroll, it is expected that a greater number of people will be able to restructure their debts and regularize their financial situation, with the government expecting to renegotiate R$50 billion in debts, impacting around 40 million people.
Chance for a New Beginning
THE Unroll represents an excellent opportunity for those who wish to settle financial issues. With organization and planning, the benefits of the program can be used to reorganize finances. Therefore, if you meet the requirements, do not miss this opportunity to improve your financial health.
Finally, the Unroll It goes beyond debt renegotiation, offering a chance to start over and build a more balanced financial trajectory.
