Desenrola Brasil is a federal government program that aims to help Brazilians renegotiate their debts, clear their name and recover their credit.
The program was launched in June 2023 and, according to government data, should benefit around 70 million people.
In this article, we will explain the four steps you need to follow to enroll in the program and renegotiate your debts.
Check if you fit into one of the program's bands
The first step to participate in the Desenrola Brasil program is to check whether you fit into one of the two income and benefit brackets provided by the government:
Track 1
Band 1 is intended for people who receive up to two minimum wages or who are registered with CadÚnico – Single Registry for Federal Government Social Programs.
For these people, the program will offer resources as a guarantee for the renegotiation of bank and non-bank debts, the total added together not exceeding the value of R$1,000,400.
The eligible debts are those with negative credit ratings up to December 31, 2022, except those with real guarantees, rural credit, real estate financing and those involving third-party financing or risk. Payroll loan debts are also covered by the program.
Track 2
Band 2 is intended for people who receive up to R$20,000 per month. These people will be offered progressive discounts for the renegotiation of bank and non-bank debts, provided that the total added together does not exceed R$50,000.
Band 2 covers the same debts mentioned in band 1, with the exception of payroll loan debts, which cannot be renegotiated by the program.
Access the program's digital platform
To participate in the Desenrola Brasil program, you must access the program's digital platform, which will be available on the gov.br portal.
You will need to log in with your CPF and password registered on the portal.
On the platform, you can check your debts that qualify for renegotiation, and check which creditors have joined the program and the discounts they offer.
A financial education course will also be offered, which will be an incentive for joining the program.
Choose the financial institution and the number of installments
You can choose one of the institutions that participated in the program and that offered the best discounts for your creditors and the number of installments you intend to pay.
Payment conditions are different for each program tier:
In band 1, the debt can be paid in full or financed in up to 60 months, with no down payment, with interest of 1.99% per month and the first installment after 30 days. The minimum installment will be R$ 50.
In band 2, the debt may be paid in cash or financed over up to 120 months, with a minimum down payment of R$10%, based on the Selic rate + spread defined by the financial institution. The minimum installment will be R$$ 100.
Formalize the renegotiation and pay the installments
The last step to participate in the Desenrola Brasil program is to confirm the renegotiation with the financial institution and pay the installments agreed in the agreement.
After confirmation, you will receive proof of membership in the program and your name will be removed from credit protection agencies.
Payment of installments can be made by direct debit, PIX or bank slip.
It is important to note that, in the event of default after renegotiation, your credit score may return to being blacklisted and you may lose the benefits of the program.
Conclusion
The Desenrola Brasil program is a great opportunity for you to pay off your debts, clear your name and recover your credit.
With it, you can pay your debts with discounts and in installments. Don't miss this chance to clear your name and recover your credit in the market.