Desenrola Brasil: How to access the program?
The Unwind Brazil, It could be your opportunity to get rid of debts that are holding you back.
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In this article, we'll learn more about the program that's helping thousands of Brazilians organize their financial lives.
Desenrola Brasil: what is it?
THE Unroll Brazil is a debt renegotiation program for defaulting individuals.
In this sense, the program was developed by the Brazilian Ministry of Finance during the current government's administration.
The aim is to negotiate debts of people registered in the defaulters' registry.
Thus, the proposal not only reduces debt, but also makes it easier for consumers to access the credit market.
In short, this action is composed of four fronts: the Federal Government, creditors, debtors and financial agents.
Conditions for participating in the Desenrola Brasil program?
- Debtors: an individual whose debts are registered as defaulters until December 31, 2022, and whose registration is active until June 28, 2024, and whose salary is less than 2 minimum wages or who is enrolled in social programs of the Federal Government, CadÚnico;
- Creditors: must be legally responsible for registering defaulters in credit bureaus, examples: financial institutions, public utilities, retail institutions and service providers, including individual micro-entrepreneurs and small businesses;
- Financial agents: It must be an institution developed by its own law or with the approval of the Central Bank of Brazil, and be authorized to perform its functions as credit operations.
In this way, defaulters have the opportunity to pay their debts, either with their own resources or with some type of loan made available at a discount by a financial agent included in the program.
In short, as a guarantee for loan operations, the Federal Government grants financial agents resources from the FGO (Operations Guarantee Fund).
The BCB is fully responsible for supervising financial agents and financial institutions that work with creditors.
In turn, financial companies must develop financial education methods for their customers, in order to prevent default and debt among individuals.
Here, it is worth remembering that the federal government offers it free of charge on the official website Unroll Brazil, a tool that calls My Pocket Up to date, this tool was developed by FEBRABAN, containing costs regarding financial education for those who join the program.
In fact, DB participants are advised to be alert and identify potential financial scams using the name of this program, mainly used on websites.
Desenrola Brasil: see some advantages
This program has some advantages and benefits that may be of interest to you, see what they are:
1. 654 companies are eligible to trade
According to information from the Ministry of Finance, 654 companies and financial institutions are eligible to conduct debt negotiations through the program's platform.
In this sense, consumers will have the opportunity to obtain discounts on bank debts, securitization companies, retail, electricity, telecommunications, sanitation, micro-entrepreneurs and small businesses, and much more.
2. An average of up to 83% in debt discounts
The program offers and discounts available to consumers that are very beneficial.
For example: of the total value of the debts in question included in band 1 of the program, of R$ 151 billion, there will be an average reduction of R$ 126 billion.
In other words, it represents an average of 83% in debt discounts.
In short, on the platform of Unroll Brazil People will be able to renegotiate their debts in cash or choose to pay in installments, with the guarantee of the federal government.
Regarding cash payment, discounts from some companies that are participating in the program, can be found on the Serasa website or app.
3. Payment in up to 60 installments
Debt installments can be a great option when renegotiating. According to Ordinance No. 634/23, debts can be repaid in three ways: upfront, in installments, or through bank financing in up to 60 months.
In fact, financing can be done without a down payment, for 1,99% in monthly interest, with the first installment only being paid after 30 days, the minimum installment amount will be R$ 50.
4. Different payment methods
Through the program platform, you can choose between three payment methods: Pix, bill and direct debit.
These different forms of payment end up bringing more convenience to people.
5. Security in digital mode
Generally, this type of debt renegotiation, brokered by financial institutions and government entities, is designed to provide transparency and security for debtors.
Furthermore, communication between the parties involved takes place through secure official channels, reducing the risk of manipulation or fraud.
Therefore, the authenticity of the creditors involved is essential to avoid subterfuge or fraud in negotiations.
6. Peace of mind
Psychologically and emotionally, your life will be positively impacted after paying off your debts: sleep, mental and physical health, social life and relationships, among other things.
In the year 2022, the Serasa conducted research on the behavior of people in debt in Brazil, and collected the following information:
- 83% of people with debt have trouble sleeping, due to their debt;
- On average, 78% of indebted Brazilians have outbursts and negative thoughts;
- 74% of people also report difficulty concentrating and completing tasks;
- Another 62% claim that debt negatively influenced their marital relationship;
- 61% of people have anxiety attacks just thinking about debt.
How do I access this service?
1 – access the unfold Brasil program platform
First, go to the portal Desenrola.gov.br, and access the program portal using your CPF.
It's worth remembering that your gov.br account level must be gold or silver to have access to trading.
However, if your account is bronze, you will need to increase its level.
2 – Select the desired proposal
Then, after authentication, you will have access to the eligible debts in the program, choose the ones you want to renegotiate and choose the desired payment option.
Depending on your choice, add the necessary features to complete the transaction. It's worth noting that not all debts are financed by financial agents.
In turn, depending on the case, payment in cash will be the only option.
Finally, after the negotiation, through the “my” menu negotiations” person will be able to follow the entire process.
Conclusion
THE Unroll Brazil can literally unfold your life.
Therefore, it is worth looking for the alternatives offered and pay off debts, which may be limiting your life and taking away your peace.
