Development: government publishes program rules for debt renegotiation; see who can participate

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People earning up to two minimum wages will be able to pay off debts of up to R$5,000, in 60 installments, in installments of at least R$50. The renegotiation is expected to begin in September. ‘Desenrola’ expects to serve up to 70 million people Natalia Filippin/G1 The Ministry of Finance published an ordinance officializing the rules of the “Desenrola Brasil” program, for the renegotiation of debts, this Wednesday (28). As already announced, the program will be divided into two tracks and provides for the forgiveness of debts of up to R$ 100. Share on WhatsApp Share on Telegram Desenrola is a campaign promise by President Lula (PT). The government’s forecast is that the renegotiation of debts will begin in September. See schedule details below. The Ministry of Finance estimates that 70 million people will benefit from the program. Before renegotiations begin, the government will hold an auction for creditors to join. The institutions that offer more discounts will be considered. Check below the official rules by the government. Range 1 People with a monthly income of up to two minimum wages or enrolled in the Cadastro Único (CadÚnico) will be included in the “Range 1” of the program. Debts of up to R$ 5 thousand, made between January 1, 2019 and December 31, 2022, may be renegotiated. The program does not cover the following cases: debts with real guarantee; rural credit debts; real estate financing debts; operations with third-party funding or risk. According to the ordinance, debts arising from payroll loans will be met by the program. The debt renegotiation will be done through a digital platform. For this, the debtor will enter the system with his login from the gov.br portal. After that, he will be able to choose a financial institution enrolled in the program to carry out the renegotiation and select the number of installments. Among the payment rules are: the interest rate will be 1.99%; the minimum installment will be R$ 50; payment can be made in up to 60 installments; the grace period will be a minimum of 30 days and a maximum of 59 days. The government reported that payment of installments can be made by debit account, PIX or bank slip. Debtors will also be entitled to a financial education course. In case of default after the renegotiation, the beneficiary may again have the dirty name. Range 2 The program’s “Range 2” is intended for people with a monthly income of up to R$20,000. As with Track 1, Desenrola will service debts registered until December 31, 2022 and which are still active. The debtor will have a minimum period of 12 months for payment. The program does not cover the following cases: rural credit debts; debts guaranteed by the Union or by a public entity debts that do not have the credit risk fully assumed by financial agents; debts with any type of provision of public resources; debts with any interest rate equalization by the Union. Unlike Tier 1, for this group the government will not offer a guarantee. On the other hand, in exchange for debt discounts, banks will receive an incentive to increase the credit offer. Debts of R$ 100 Banks that participate in the program will have to immediately forgive and clear the name of consumers who owe up to R$ 100. According to the Ministry of Finance, 1.5 million Brazilians have debts of that amount. According to the government’s ordinance, banks will have 30 days to write off their debts. As the measure only applies to banks and financial institutions with a funding volume of more than R$ 30 billion, as creditors, the government will not demand the forgiveness of debts for companies such as retailers and water and electricity companies. Schedule In an interview with TV Globo, the Secretary for Economic Reforms at the Ministry of Finance, Marcos Pinto, stated that the government works with the following schedule: July: registration of creditors in the program; August: auction of credits to define financial institutions covered; September: start of renegotiation for the general public. VIDEOS: most watched by g1

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