People who receive up to a minimum wage or are registered with CadÚnico will be able to renegotiate up to R$5,000 in 60 installments.
This Tuesday (June 6, 2023) the Federal Government published Provisional Measure No. 1176, which creates the Desenrola Brasil Debt Renegotiation Program. Here it is full from MP (167 KB).
On Monday (June 6), the Finance Minister announced, Fernando HaddadThe program wants to take out 1.5 million Brazilians.Immediatelyfrom the list of defaulters.
For this, banks must adhere to the initiative Debt forgiveness of up to R$100. According to the ministry, 1.5 million Brazilians are in this situation.
people who have to Larger values will be divided into two ranges:
Track number 1
- persons receiving up to a minimum wage or registered with a CadÚnico (Cadastro Único);
- In this case, the program will provide a guarantee for Renegotiate debts up to R$5,000considered the total debt;
- Debtors who are bound by Desenrola must settle their debts:
- in cash or with own resources or;
- By contracting a new credit transaction with an accredited bank. The amount can be divided into Up to 60 installmentswith 1.99% interest per month.
Qualified financial agents may request FGO guarantee (Operations Guarantee Fund) to finance debt settlement.
It will be the renegotiated debt IOF exempt (financial transaction tax). Re-negotiation is planned Start in July.
Debts that have real security or relate to:
- rural credit;
- Real Estate Finance
- operations with financing or third party risks; that it
- Other operations determined by a law issued by the Minister of State for Financial Affairs.
If the contractor defaults, the banks will collect debts on their behalf.”Less stringent procedures than those normally used to recover special credits are prohibitedsays the deputy.
Track 2
It will be put up for debts contracted at the bank. Unlike the people in Band 1, the Govt FGO guarantee will not be providedbut will provide access to other incentives.
To renegotiate debts in Scope 2 of the Desenrola Brasil programme, eligible banks must select a credit notional limited to the lowest value between:
- The total accounting balance of credit operations granted in the Desenrola range – Scope 2; that it
- The book value of the credits arising from the temporary differences.
As in Track 1, it will be the renegotiated debt IOF exempt.
