Advertisements
Desenrola Brasil: Learn more about the final stage of the debt adjustment plan.
The final phase of the government project Desenrola Brasil begins between September 25 and 29, according to the Ministry of Finance. It is a plan for debt settlement under Lula (PT)'s administration, aimed at assisting debtors from Tier 1.
What is the profile of Group 1?
This category includes people earning up to two minimum wages (R$ 2,640) or registered in the Federal Government's Single Registry (CadÚnico).
What does the final stage include?
Read also: Desenrola Brasil: Debt Renegotiations Anticipated by Major Retailers
The final stage of Desenrola Brasil allows the adjustment of financial and non-financial commitments that, combined, do not exceed R$ 5,000.
Note: Transactions within the project Desenrola are exempt from IOF (Tax on Financial Operations).
However, the project excludes adjustments of agricultural debts, real estate loans, credits with collateral, and operations involving financing or the risk of others.
Outcomes of the initial phase of Desenrola Brasil
The inaugural phase of Desenrola Brasil resulted in the settlement of R$ 8.1 billion by banks, according to the Brazilian Federation of Banks (Febraban). Additionally, around 5 million individuals regularized their situation.
The numbers show that the debt settlement plan made it possible to adjust nearly 1.3 million contracts, benefiting 1 million users.
And even in the initial phase, which covered only settlements with banking institutions, retailers got ahead with settlement campaigns.
Retailers involved in the initial phase
Casas Bahia and Ponto, from Via (VIIA3), as well as Lojas Renner (LREN3), led the movement. Magazine Luiza (MGLU3) and C&A (CEAB3) also joined.
Social impact of Desenrola Brasil
The Desenrola Brasil goes beyond a mere debt settlement plan. It reveals the government's determination to raise society's standard of living. Through it, millions were able to regularize their situation and restart their financial journey.
This is the kind of action that underscores the government's dedication to the well-being of the people, presenting options for those facing challenges in meeting their commitments.
How does Desenrola Brasil work?
The Desenrola Brasil is quite straightforward. If you meet the criteria, you can contact banks or financial institutions to settle active debts incurred by December 31, 2022. There is no ceiling on the amount of the commitment to be adjusted.
The guidelines of debt settlement are set by financial institutions. Each institution follows its commercial strategy and defines rules for joining the plan.
How to participate in Desenrola Brasil?
There are several ways to join Desenrola Brasil. Below, we detail the alternatives offered by some of the country’s leading banks and financial institutions.
Banco do Brasil
Read also: Learn everything about Values to Receive
Banco do Brasil offers terms such as payment in up to 120 installments, discounts of up to 25% on fees and up to 96% for full payment.
Take part through the official website, by sending “#renegocie” to the bank’s WhatsApp, through the app or by calling customer service.
Caixa Econômica Federal
Caixa offers options such as full payment with up to 90% off, payment in 12 to 96 months with adjusted rates and the first installment after 30 days.
Take part through the official website, WhatsApp, apps or customer service phone.
Bradesco
Bradesco has not released specific details, but it is possible to join the plan through the official website, digital channels or directly at a branch.
Itaú
Itaú offers exclusive benefits and terms for settling debts, including a reduction of up to 60% in interest on overdue debts.
Take part through the official website or WhatsApp.
Santander
Santander proposes settlements with or without a down payment, flexible rates, and discounts of up to 90%. Payments can be made in up to 120 installments.
Get involved by calling customer service or through the official website.
Other Financial Institutions
Many other institutions are also on Desenrola Brasil, such as PicPay, Pagbank, Inter, C6, and Banco Pan. Each one presents its own debt settlement guidelines.
