About 6 million Brazilians have already been able to remove their names from negative records by renegotiating debts of up to R$100 through the program. Open Brazil.
It is worth noting that in this case the debt is not forgiven, but the debtor’s reputation is no longer bad and he can obtain a loan and carry out operations, such as signing lease contracts.
The survey was conducted by the Brazilian Banking Federation (Febraban) ten weeks after the Desenrola Brasil programme, which renegotiates the debts of middle- and low-income consumers.
From July 17 to September 22, R$14.3 billion worth of debt was renegotiated, most of it from Band 2, which covers debts with banks for those with income up to R$20,000 without a debt value limit, allowing real estate refinancing. Vehicles for example. The amount is equivalent to 2.03 million contracts.
Desenrola offers debt repayments from 12 to 120 months, with customized rates and down payment within 30 days. Restricted registrations are disqualified within 5 business days after renegotiation is completed.
Discount auctions
Unfold The second phase began last Monday (25). As of Wednesday (27), 709 creditors will participate in the discount auction in a system developed by the Brazilian B3 Stock Exchange.
Whoever offers the biggest discounts will receive resources from the Fund for Operations Guarantee (FGO). Using R$8 billion from the union budget, the fund will cover potential defaults by those who join the renegotiations and default again. This allows companies to give larger discounts in the renegotiation process.
How to participate in Desenrola Brasil
To be able to participate in the program, it is necessary to register in it GOV.BR platform They have accounts at the silver or gold level. According to the federal government, it is very important to have this qualification because without it it is not possible to access the system and renegotiate debts.
Registration takes place directly on the federal government portal. Check out the step by step below:
- Access www.gov.br
- Select “Enter using gov.br”
- Enter your CPF number and click Continue to create or change your account.
When registering, citizens fill out a simple form and their data can be validated at the Federal Revenue Service or INSS. Registration can also be done at the INSS agency or at Senatran centres. However, this form only allows Bronze level.
To move to the Silver level, citizens must have facial biometrics with their driver’s license or be a federal government employee or perform the procedure sign in By the bank if it is accredited. They are: Banco do Brasil, Banresol, Bradesco, Banco de Brasília, Caixa Economica Federal, Cecop, Santander, Itao, Agibank, Secredi, and Mercantil do Brasil. Remember that the debtor must have the phone number registered with his bank to receive the SMS to confirm access.
The Gold Account requires facial recognition through the app to verify your photo in the Electoral Tribunal (TSE) databases or verify its authenticity using the QR code on your national ID card or with an ICP-Brazil compliant digital certificate.
*With information from Agência Brasil
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