Each bank has its own procedures for applying for the Desenrola program. Here, you will learn how to connect with each of them.
On Monday (17), the federal government officially opened the negotiation period for the Desenrola program. This program aims to help people in debt restore their credit reputations in Brazil. However, there are still many questions to be clarified by the population.
Firstly, it is essential to emphasize that the Desenrola program is intended to serve two distinct segments:
- Segment 1: People who receive up to two minimum wages and are Cadúnico users. It is necessary to have a debt of up to R$1,000, acquired until the last day of 2022;
- Segment 2: People who earn up to R$1,400,000 and have taken out debts exclusively with banks, also until the last day of 2022.
Currently, the trading process is only taking place for people in Segment 2. People in Segment 1 will have to wait a little longer, as they depend on the release of an official application still in the development process.
For Segment 2, which began this Monday (17), the objective is for the individual to conduct the negotiation directly with the bank. So far, institutions such as Banco do Brasil, Caixa Econômica Federal and Santander have confirmed their adherence to Desenrola.
How to participate in Desenrola?
Below is a list of official channels for each of the banks that have already joined the program.
Read also: Exceptional Benefit Will Reach 20,000 Families; See if you are eligible
Bank of Brazil
Banco do Brasil announced that it will offer payment in up to 120 installments, discounts of up to 25% on fees and up to 96% for cash settlement. To start the negotiation process, you can:
- Access the website;
- Send #renegocie to WhatsApp (61) 4004–0001;
- Use the bank app or internet banking;
- Call 4004–0001 (capitals and metropolitan regions) or 0800 729 0001 (other locations);
- Contact any bank branch.
Federal Savings Bank
At Caixa, the plan is to offer payment in cash, with discounts of up to 90% (without IOF charges); Debt installments from 12 to 96 months, with personalized rates and the first installment in 30 days. To get in touch, you can:
- Access the website;
- Send a message via WhatsApp (0800 104 01 04);
- Use the CAIXA Cards, CAIXA Housing and CAIXA Tem applications (Desenrola Brasil option);
- Call 4004–0104 (capitals and metropolitan regions) or 0800 104 0 104 (other locations), Monday to Friday, from 8 am to 8 pm.
Santander
Santander, one of the private banks that joined the Desenrola program, has not yet disclosed the conditions for the Segment 2 public. However, the bank indicates that the negotiation can be requested in the following ways:
Read also: WITHDRAWAL OF 'FORGOTTEN MONEY' IN BANKS IS ALLOWED; SEE HOW TO DO IT.
- Visit the website;
- Call 4004–9090 (capitals and metropolitan regions), or 0800 722 9090 (other locations);
- Send message to WhatsApp: 4004–9090
In addition to these remote options, citizens who want to participate in Desenrola can choose to go directly to the bank where they owe the debt. Even if the institution has not joined the government project, it can indicate the negotiation conditions they have available.
The program Unrolls
Desenrola was one of the main promises made by current president Luiz Inácio Lula da Silva (PT) in last year's elections. Among other things, he stated that it would be able to free millions of people from debt. The government's goal is to allow people to have access to credit again.
“We have to implement this Desenrola to help the 72% of the Brazilian population who are in debt. They have debts of up to R$5,000, R$1,000, R$250, R$500 and are registered with Serasa,” said Lula at an event last week.
“We have an obligation to reach out to these people and bring them back into the Brazilian economy, so that they can start consuming again,” concluded the president.
