SÃO PAULO, SP´(FOLHAPRESS) – Desenrola Brasil, which would end this Sunday (31), has been extended. The program coordinated by the Ministry of Finance allows debt renegotiations of individuals and has already had the participation of more than 12.3 million, for a total estimated at R$38 billion in negotiated values.
The objective of Desenrola, which began in July 2023, is to reduce defaults in the country and recover credit that was denied.
consultation for negotiation can be made through the Desenrola platform and through Serasa, a partner in this final stretch. It is also possible to check pending issues through Mega Feirão da Serasa, available on the credit bureau’s website, or at any post office.
Desenrola Brasil is aimed at individuals with negative debts between January 1, 2019 and December 31, 2022, and is divided into two bands for different audiences.
Debts of up to R$100 were automatically excluded from the credit records of those who joined Desenrola, leaving the customer’s name clean. The amount, however, must be paid.
Range 1 is aimed at debtors with a gross income of up to two minimum wages (R$2,824 this year), registered with CadÚnico (Cadastro Único) and with debts of up to R$5,000. Track 2 is intended for individuals with income of up to R$20,000.
HOW TO GET ACCESS TO DESENROLA BRASIL TRADING
– Access to the Desenrola Brasil platform is completely digital (you must be registered on the Gov.br portal at silver or gold level)
– After logging in, go to the “My Debts” tab, where you can search for negotiation options for outstanding issues
– Select discounted debts that can be paid off
– Select how to pay, which can be paid in full, or in installments over up to 60 months
– After a few days of debt negotiation, the debtor’s name will be removed
On the Serasa app or website, you can also access Desenrola to check debts and payment conditions, simply:
– Access the app or website and log in to the platform
– After logging in, the platform offers discounted debts offered by Desenrola Brasil
– On the screen, you can view the company responsible for the debt and which will receive payment. You can also select the number of installments
– After the conditions for renegotiation are accepted, the user will be informed again of the details of the agreement made
Until this Thursday (28), Serasa is holding the Mega Feirão Limpa Nome, in which it is possible to consult debts registered in Desenrola at any post office. Just bring an identification document and look for an attendant to make the appointment.
WHICH DEBTS ARE IN TRACK 1 OF DESENROLA BRASIL?
Financial and non-financial debts, whose negative amounts do not exceed R$5,000, when adding all financed debts.
In bracket 1, rural credit debts, real estate financing, credits with real guarantees, operations with funding or third-party risk cannot be financed.
Renegotiated debts can be paid in up to 60 installments, with a minimum installment of R$50 and interest of up to 1.99% per month.
WHICH DEBTS ARE IN BAND 2 OF DESENROLA BRASIL?
Range 2 covers debts of people with income greater than two minimum wages (R$2,824) up to R$20,000 per month. Each financial institution will renegotiate its own debts, with no consolidation, as occurs in Track 1.
Banks offer the possibility of debt renegotiation directly to their customers, through their own channels.
Debts can be paid off through the channels indicated by financial agents and can be paid in at least 12 installments.
HOW TO GET SILVER LEVEL ON GOV.BR USING THE APP
– Access the Gov.br app
– Click on “Enter with Gov.br”
– On the next screen, enter your CPF and click “Continue”
– Then enter the password and click “Sign in”
– On the screen that says “Authorization for use of personal data”, go to “Authorize”
– In the blue box above, click on “Increase account level”
– To make your account silver, choose one of the options that the application offers; if you are registered with Denatran, use facial biometrics; if it is a server, use data from Sigepe
– Validation can also be done by registering with your internet bank
– Go to where it says “Registration via internet banking” and choose your bank
– The next steps will depend on each financial institution; It is possible to obtain validation by Banco do Brasil, Banrisul, Bradesco, Banco de Brasília, Caixa Econômica Federal, Sicoob, Santander, Agibank, Itaú, Sicredi, Mercantil do Brasil, PicPay/Original or Nubank
HOW TO GET GOLD LEVEL ON GOV.BR USING THE APP
– Access the Gov.br app
– Click on “Enter with Gov.br”
– Enter your CPF and go to “Continue”
– Then, enter the password and click “Enter”
– In the blue box above, where your name is, go to “Increase level”
– Then go to “Increase account level”
– gov.br will ask for access to the cell phone camera, click “OK”
– Guidelines for the photo will appear; click on “Facial recognition”
– Frame your face and wait; The message “Facial recognition successful” will appear, click “OK”
– At the end of the procedure, the message “We validated your photo in the Electoral Justice database. You have reached the highest level of security for your gov.br account!”
– Another way is to validate the data using digital biometrics registered with the TSE
– It is also possible to validate the data with the digital certificate compatible with IPC-Brazil
– Another way is to use the gov.br application to read the CIN (National Identity Card) QR Code
Tags: Desenrola Brasil extended renegotiate debt Estado Minas
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