- Desenrola Brasil will start offering installment terms for debts of up to R$ 20,000 from this Monday (20th)
- According to the program’s current rules, operations can be divided into up to 60 months, with interest rates up to 1.99% per month.
- Scope 1 of the program started in October and includes consumers who earn up to twice the minimum wage (2,640 reais) or who are registered with CadÚnico.
Starting this Monday (20th), Desenrola Brasil will start offering installment terms for debts with renewal amounts up to R$ 20,000. Previously, installment payments were only available for debts up to R$5,000, and amounts between R$5,000 and R$20,000 had to be paid in cash.
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According to the program’s current rules, operations can be paid in up to 60 installments, with an interest rate of up to 1.99% per month. The average discount rate on debt offered by Desenrola is 83%, but can reach up to 99%. It is worth remembering that both bank debt and debt arising from overdue bills from other sectors such as energy, water and retail are negotiable.
Scope 1 of the program started in October and includes consumers who earn up to twice the minimum wage (2,640 reais) or who are registered in the federal government’s Single Register of Social Programs (CadÚnico). It will be. During this phase, which lasts until December 31, 2023, debts that are negative from 2019 to 2022 and have a renewed value of less than R$20,000 can be renegotiated.
How can I pay off my debt in installments through the platform?
To access Desenrola’s official website, users must click on this link and use a Silver or Gold level Gov.br account. After logging in, the “My Debts” tab lists the debts of all debtors included in the program, as well as information about the discounts on each offer and the savings the consumer will receive if negotiated.
After reviewing the terms, users must select the debt they wish to negotiate and specify their preferred payment options. If you choose to pay in installments, the next step will be to choose a bank to issue the loan, but keep in mind that the citizen does not need to be an account holder with that institution.
Then select the due date for your first installment and analyze the payment plan that suits you best. The portal displays two choices. One is for a short period of time and the other is in small installments. Through the platform’s simulator, users can evaluate which offer is most suitable for their financial situation.
After choosing one of the options, you will need to confirm your personal data. The proposal information is then forwarded to the selected bank for analysis. With the approval of the financial institution, the debtor must select the preferred payment method (direct debit, bank transfer, or Pix) and sign the agreement. The electronic signature must be completed within 10 minutes.
Finally, just read and agree to the negotiation terms. Users can check the contract details at any time by clicking “My Negotiation” in the top menu.
Desenrolla’s “D-Day”
Next Wednesday (22nd), the federal government, through the Ministry of Finance, will launch an action “D-Day – Mutilan” in partnership with civil society organizations, banks and other creditors to facilitate debt renegotiation and expand debt coverage.・We plan to promote “Desen Roller”. program.
On this day, each bank will extend the business hours of some branches based on internal regulations. This mobilization includes partnerships with private and public banks, such as Banco do Brasil and Caixa Economica Federal Bank, as well as other creditors participating in the program.
