Developments: banks give up to 96% discount on debts – 07/18/2023 – Market

Banks that joined Desenrola Brasil offer special conditions for their customers to renegotiate their debts. The institutions present discounts of up to 96%, in addition to a period of up to ten years to pay. Track 2 of the program announced by the federal government began this Monday (17).

The report consulted 14 financial institutions, including public, private and digital banks, in order to determine which payment terms can be obtained by account holders.

A Sheet, Banco do Brasil, Banrisul, Bradesco, Caixa, Daycoval, Inter, Itaú, PagBank, Pan and Santander confirmed that they will participate in the program. Customers will be able to contact banks to settle debts acquired between 2019 and 2022.

BMG preferred not to comment. Daycoval said that it is studying the conditions that will be offered to the public and that it will announce them shortly. Nubank did not respond to the report. Mercantil, on the other hand, said that it is evaluating adherence to the program and C6 stated that it is in the process of registering, reinforcing that “banks have until July 27th to qualify for Desenrola Brasil”.

Currently, in track 2 of Desenrola Brasil, those with bank debt that generated the “dirty name” between January 1, 2019 and December 31, 2022 can join. The participant must earn between R$ 2,640 (two minimum wages) and R$ $20,000 per month, and will have a minimum period of 12 months to pay. The number of installments and the interest rate will be negotiated directly with the bank.

There is no limit on the amount to be paid. If the financial institution does not participate in the program, the account holder can carry out the portability of the debt to another bank, according to Febraban (Brazilian Federation of Banks).

With the renegotiation of the debt amount, the customer who owes up to R$ 100 will have his name removed from the list of defaulters as soon as he joins Desenrola, if he does not have debts from other sources such as electricity, water and stores.

This will allow him to obtain other lines of credit or sign a lease, for example. However, the debt must be paid and the person will have the “dirty name” again if he does not pay off the renegotiated installments on time.

The government’s expectation is that 30 million people will be benefited in this first moment and that R$ 50 billion can be renegotiated.

President Luiz Inácio Lula da Silva (PT) stated that up to 72% of indebted Brazilians will be able to consume again through the program, which should help the recovery of the country’s economy.

According to the president, the part of Desenrola Brasil aimed at people who owe money in retail will begin operating in September and will help “free millions of Brazilians”.

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SEE THE CONDITIONS OFFERED BY THE BANKS AND THE TRADING CHANNELS

Bank of Brazil

Banco do Brasil offers up to 120 months (10 years) as a financing period, with discounts of up to 96% on debts and 25% on interest rates. The public institution did not report the fees charged.

The negotiation will be done through the bank application, by WhatsApp sending #renegocie to the number (61) 4004-0001, through the relationship center on telephones 4004-0001 (capitals) or 0800-729-0001 (other regions), through bank branches or via internet banking at these links:

Banrisul

Banrisul said it will join Desenrola Brasil, without informing rates or deadlines that will be offered.

Bank account holders will be able to negotiate at physical branches, application through the “Resolve Debts in Late” button, through the website banrisul.com.br/renegocie or via WhatsApp (51) 3215-1900.

Bradesco

Bradesco informed that customers who choose to settle debts in cash will have a discount of up to 96%. The other conditions will vary according to the profile of the account holder.

Negotiations will be carried out through the application, through Fone Fácil on telephones 4002-0022 (capitals and metropolitan regions) and 0800-570-0022 (other regions), through outsourced collection advisory services, through bank branches and through internet banking (available at this link)

Caixa Econômica Federal

Caixa announced that customers will be able to pay in cash, with discounts of up to 90%, or pay the debt in up to 96 months (eight years), with interest from 1.18% per month.

Negotiations will be carried out through the Cartão Caixa application, through the Caixa Desenrola website, through the telephone numbers 0800-104-0104 (which can also be contacted via WhatsApp) and 4004-0104 (capital cities and metropolitan regions) and through bank branches.

Inter

Inter stated that the rates will vary according to the customer, product and delay range. The account holder will have access to discounts of up to 90%, and it will be possible to pay in up to 36 months (three years).

The negotiation will be through the bank’s application, through the relationship center on the phones 3003-4070 (capitals and metropolitan regions) or 0800-940-0007 (other regions) and through internet banking (at this link).

Itaú Unibanco

Itaú customers will have access to a reduction in interest rates that can reach up to 60%. The bank, however, does not inform the fees charged and the term for payment, conditions that vary according to the customer and the outstanding balance.

The negotiation can be done by WhatsApp on the phone (11) 4004-1144 and by internet banking (at this link)

PagBank

PagBank announced that it will offer discounts of up to 90% for paying debts in cash. Installments and fees will vary according to the profile of each debt.

Bank customers can negotiate through the call center and through Clean Name Serasa.

pan

Banco Pan did not inform deadlines or rates practiced. Negotiations will be through internet banking (at this link).

Santander

Individuals who are Santander customers can obtain discounts of up to 90% and pay their debts in up to 120 installments (10 years).

The renegotiation will take place through telephones 4004-3535 in the capitals and metropolitan regions and 0800-702-3535 in other locations, from Monday to Friday, from 8 am to 9 pm, and on Saturdays, from 9 am to 4 pm. Another channel is the website (at this link).

In the case of financing, the bank did not inform the rates and conditions, which change according to the customer. The channels for renegotiating are through telephones 4004-9090 in capitals and metropolitan regions and 0800-722-9090 in other locations (they operate on the same days of the week and times mentioned above); via WhatsApp at 4004-9090 and via the website (at this link).