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Results after one month of the Desenrola Program
In the first month of the Desenrola Program, Caixa Econômica Federal negotiated R$ 1.5 billion in debts. According to data released on Wednesday night (16), Caixa settled more than 88,000 contracts, benefiting around 70,000 customers.
According to the bank, 92% of the agreements were settled in full. The main debts adjusted involved credit cards, overdrafts and Direct Consumer Credit (CDC).
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Program details
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Aiming to reduce society’s indebtedness, Desenrola offers a discount of up to 90% for debts paid off immediately. In addition, it offers the option of dividing the amount into up to 120 installments, with a 30-day period to pay the down payment and the first monthly installment.
For real estate loans, Caixa establishes specific negotiation conditions, such as incorporation, partial settlement and the use of the Severance Indemnity Fund (FGTS). Individually tailored, the proposals can be viewed in the Habitação Caixa app.
Each negotiation proposal varies according to the contract in question, and all details can be verified both in the APP Habitação Caixa and through other bank communication channels.
Where can I get more information?
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On the “Negociar Dívidas” website, interested parties can review the options proposed under the Desenrola Program, as well as under Caixa’s exclusive negotiation program, including applicable discounts and included contracts. More details about Desenrola can be found on the institution’s official website, at branches, and by calling Alô Caixa, available at 4004 0104 (for capitals and metropolitan areas) and 0800-104-0104 (for other locations).