Banks increase opening hours in Desenrola joint effort

People who earn up to two minimum wages and owe up to R$20,000 will have the opportunity to refinance their debt. The Desenrola Brasil Program is promoting a renegotiation effort this Wednesday (22). In partnership with civil society organizations, banks and other creditors, Dia D – Mutirão Desenrola aims to encourage debt renegotiations and expand the reach of the program.

Banco do Brasil and Caixa Econômica Federal open their branches an hour earlier this Wednesday. Private banks will also operate extended hours, but branch opening hours will depend on each institution’s internal policy.

The joint effort was one of the themes of live between President Luiz Inácio Lula da Silva and the Minister of Finance, Fernando Haddad, this Tuesday (21). The two reunited on the show Conversation with the President to address the progress and purpose of the joint effort, as well as to propagate and promote the actions planned for Desenrola’s D-Day.

In addition to business debt, about 1.2 million students or graduates defaulted on their Student Financing Fund (Fies) can also renegotiate debts with up to 99% discount. The debtor must look for the bank branch responsible for financing.

New step

Since Monday (20), the Desenrola Brasil Program has entered a new phase. Track 1 of the program, intended for renegotiation of debtors with an income of up to two minimum wages or registered in the Single Registry for Social Programs of the Federal Government (CadÚnico), began to renegotiate debts of up to R$20,000.

Debts from R$5,000.01 to R$20,000, after updating the values, can be refinanced until December 30th. After this period, the discounts will be maintained, but the debt can only be paid in cash. Range 1 covers bank debts, such as credit cards, and late bills from other sectors, such as energy, water and retail.

Since the beginning of October, Track 1 of the Desenrola renegotiates debts of up to R$5,000 on the platform developed by B3, on the site. The ordinance that regulates the program defined that, if after the first 40 days, there were resources left in the Operations Guarantee Fund (FGO), a National Treasury fund that covers possible defaults by those who join the renegotiation, the refinancing would be expanded to debts of up to R $20 thousand.

To access the renegotiation platform, the consumer must have registration on the Portal, with a silver or gold level account and have updated registration data. Then, the debtor will have to choose a financial institution or company registered in the program to carry out the renegotiation. Then, simply select the number of installments and make the payment.

The page will list debts in order of discount, from largest to smallest. In the auction stage, 654 companies presented proposals, with the average discount being 83% of the original debt value. However, in some cases, the rebate exceeded this value, depending on economic activity, reaching 99% in some sectors. The consumer can pay the debt in up to 60 months, paying interest of 1.99% per month.

First step

Desenrola covers negative debts between January 1, 2019 and December 31, 2022. Opened in July, the first stage of Desenrola, aimed at Track 2, renegotiated R$15.8 billion of 2.22 million contracts in just over two months, until the end of September. According to the Brazilian Federation of Banks (Febraban), this is equivalent to 1.79 million customers, as an account holder can have more than one debt.

Furthermore, 6 million people who had debts of up to R$100 had their names cleared. In this case, the debts were not extinguished and continue to be corrected, but the banks removed restrictions for the debtor, such as signing rental contracts, contracting new credit operations and paying for purchases in installments. Denying names for debts in this value range was a necessary condition for banks to join Desenrola.

Unlike the second phase, the first stage only renegotiates debts with financial institutions. Account holders who earn up to R$20,000 per month and have debts of any amount can participate, which allows the renegotiation of debts such as vehicle and property financing. Renegotiations for Track 2 must be requested through the financial institution’s service channels, such as an app, sites and physical service points.

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