The federal government is already working on a new expansion of Desenrola Brasil. After launching the stage aimed at renegotiating outstanding debts, the Ministry of Finance is now preparing a phase aimed at consumers who are in good standing, but who face high interest rates on credit types.
The announcement was made this Wednesday (6) by the Minister of Finance, Dario Durigan. According to him, the new round of the program should be announced between the end of May and the beginning of June and will have a special focus on informal workers.
The strategy marks a change in approach in relation to the current design of Desenrola 2.0. While the current stage targets negative people, the next phase aims to reach Brazilians who are able to keep payments up to date, but remain pressured by the high cost of credit.
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In an interview with the program “Bom Dia, Minister”, on CanalGovDurigan stated that the government’s intention is to expand access to cheaper lines of financing and reduce the burden of interest on family budgets.
The new front appears amid the operational launch of the current stage of the program. Published this Tuesday (5), the Desenrola 2.0 rules allow renegotiating credit card, overdraft and personal credit debts for people with an income of up to five minimum wages, equivalent to R$8,105.
The program covers debts of up to R$15,000 contracted by January 31st of this year and which are overdue between 90 days and two years. Renegotiations will have interest limited to 1.99% per month and discounts ranging between 30% and 90%, depending on the type of debt and the period of default.
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The model also authorizes the use of extraordinary FGTS withdrawals to amortize or settle renegotiated pending issues. The mechanism is part of the government’s strategy to expand guarantees to banks and encourage adherence by financial institutions.
Behind the scenes, banks reported operational difficulties in the first hours of the program. Financial institutions stated that they were awaiting releases related to guarantees from the Operations Guarantee Fund (FGO), responsible for covering part of the losses in the event of default. According to the Ministry of Finance, the system was released on Tuesday night.
The expectation of the financial sector is that operations will be normalized throughout this week. Meanwhile, banks began to open pre-registrations for customers interested in renegotiating debts and began offering their own campaigns for consumers outside the rules of the federal program.
In addition to the lines aimed at families, the new Desenrola also includes specific fronts for Fies contracts, micro and small companies and rural family farming producers.
The government is betting on expanding the program as a tool to reduce historic levels of default and try to unlock consumption in an environment still marked by high interest rates and record impairment of family income.
