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All banks establish their own procedures for applying to the Desenrola program. Here, you will learn how to connect with each of them.
This Monday (17), the federal government officially opened the negotiation period for the Desenrola program. This program aims to help indebted people restore their credit reputations in Brazil. However, there are still many questions to be clarified for the population.
First of all, 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 registered with Cadúnico. They must have a debt of up to R$ 5,000, incurred by the last day of 2022;
- Segment 2: People who earn up to R$ 20,000 and incurred debts exclusively with banks, also by the last day of 2022.
Currently, the negotiation process is taking place only for people in Segment 2. People in Segment 1 will have to wait a little longer, as they depend on the launch of an official app that is still under development.
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 participation in Desenrola.
How to participate in Desenrola?
Below is a list of the official channels for each of the banks that have already joined the program.
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Banco do Brasil
Banco do Brasil announced that it will offer installments of up to 120 payments, discounts of up to 25% on interest rates and up to 96% for settlement in a lump sum. To start the negotiation process, you can:
- Access the website;
- Send #renegocie to WhatsApp at (61) 4004–0001;
- Use the bank's app or internet banking;
- Call 4004–0001 (capitals and metropolitan areas) or 0800 729 0001 (other locations);
- Contact any branch of the bank.
Caixa Econômica Federal
At Caixa, the plan is to offer settlement in a lump sum, with discounts of up to 90% (with no IOF charges); Debt installments over 12 to 96 months, with personalized rates and the first installment due 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 apps (Desenrola Brasil option);
- Call 4004–0104 (capitals and metropolitan areas) or 0800 104 0 104 (other locations), Monday to Friday, from 8 a.m. to 8 p.m.
Santander
Santander, one of the private banks that joined the Desenrola program, has not yet announced the conditions for the Segment 2 public. However, the bank indicates that negotiations can be requested in the following ways:
Read also: WITHDRAWAL OF ‘FORGOTTEN MONEY’ FROM BANKS IS RELEASED; SEE HOW TO DO IT.
- Visit the website;
- Call 4004–9090 (capitals and metropolitan areas), or 0800 722 9090 (other locations);
- Send a message via 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 have the debt. Even if the institution has not joined the government project, it can indicate the negotiation conditions it has available.
The Desenrola program
Desenrola was one of the main promises made by current president Luiz Inácio Lula da Silva (PT) during last year’s elections. Among other aspects, he stated that it would be capable of helping millions of people out of default. The government aims to enable people to regain access to credit.
“We have to implement 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 listed with Serasa,” Lula said at an event last week.
“We have an obligation to extend a helping hand to these people and bring them back into the Brazilian economy so that they can resume consuming,” the president concluded.
