Unroll Brazil: how to renegotiate debts with banks – 07/17/2023 – Market

Customers of at least eight banks will be able to look for institutions starting this Monday (17) to renegotiate debts with the opening of track 2 of Desenrola Brasil.

Banco do Brasil, Bradesco, Caixa, Inter, Itaú, PagBank, Pan and Santander confirmed to Sheet which will provide their own channels for account holders interested in paying off debts acquired between 2019 and 2022.

Caixa disclosed that it will offer up to 90% discount for those who pay in cash, in addition to offering the option of installments in up to 96 months, with interest from 1.18%. Inter will also have a 90% discount.

wanted by Sheet, C6 and Daycoval banks said they will participate in the program, but that they are studying the details for negotiation with customers. Mercantil informed that it is evaluating the adhesion to Desenrola, Banrisul and BMG affirmed that they will not manifest themselves, and Nubank did not respond until the publication of this report.

---

See the conditions offered by the banks and the trading channels

Bank of Brazil: 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:

Bradesco: conditions will vary according to the debt profile. Negotiations will be made 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 at the link:

Box: the bank disclosed that customers will be able to pay in cash, with discounts of up to 90%, or pay the debt in up to 96 months, with interest starting at 1.18% per month. Negotiations will be carried out through the Cartão Caixa application, through the Caixa Desenrola website (by telephone 0800-104-0104 (which can also be contacted via WhatsApp) and 4004-0104 (capital cities and metropolitan regions) and through bank branches

Inter: the customer will have access to discounts of up to 90% and will be able to pay the debt in 36 installments. The negotiation will be through the bank’s application, through the relationship center on the telephones 3003-4070 (capitals and metropolitan regions) or 0800-940-0007 (other regions) and through internet banking at the link:

Itaú: Negotiation by WhatsApp on the phone (11) 4004-1144 and by internet banking at the link:

PagBank: Negotiation will be carried out by the call center and Clean Name Serasa.

Pan: negotiation will be through internet banking at the link:

---

Track 2 will be aimed at those with bank debt that led to the name being denied as of January 1, 2019 and remained on the list until December 31, 2022.

The participant must earn between R$2,640 (two minimum wages) and R$20,000 per month, will have a minimum period of 12 months to pay off the debt and will negotiate the amount of installments and the interest rate 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. Denegativation 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.

Track 1 starts in September

Adherence to track 1 of Desenrola should start in September. It is aimed at those who receive up to R$ 2,640 per month or are enrolled in the CadÚnico (Single Registry for Social Programs of the federal government), and entered the negative list from January 1, 2019, remaining with active debt until January 31. December 2022.

Tier 1 will allow you to renegotiate up to R$ 5,000 in any type of debt, as long as it is not rural credit, real estate financing, operation with funding or third-party risk, and debt with real guarantee.

Payment can be made in cash or in installments over 60 months, the amount of which must exceed R$50, with an interest rate of a maximum of 1.99% per month. According to the Ministry of Finance, the index can be reduced by banks or other financial institutions. The discharge of the amount will be made by Pix, boleto or debit. The grace period will be from 30 to 59 days.

The contracting of the renegotiation will only be done through a digital platform, which will still be created by an operating entity to be announced by the FGO (Fundo Garantidor de Operações), the guarantor of the agreements made in track 1. The debtor will need to have a silver or gold level account on the gov.br portal to join the program. Click here to find out how to get this account.