The big news of Novo Desenrola Brasil in 2026 is the integration with the Severance Indemnity Fund (FGTS). The resolution allows workers to use resources that would only be accessible in specific situations to pay off debts, recover their financial health and immediately clear their name.
If you have check out the detailed guide to renegotiate.
Who can use the FGTS at Desenrola?
Before starting the process, make sure you comply with the following:
- Available balance: it is necessary to have a balance in active or inactive FGTS accounts
- Debt value: use is permitted for renegotiated debts within the Desenrola Famílias range, income of up to 5 minimum wages (R$ 8,105)
- Usage limits: the worker can use 20% of the total balance or up to R$1,000, whichever amount is greater
Advantages of using FGTS to pay off debts
- Value reduction: you use the money from the fund to pay a debt that has already received up to 90% discount through the program
- Cash flow preservation: you clear your name without having to compromise your monthly salary or current family income
- Interest reduction: by paying off your debt with the FGTS, you stop the accrual of interest, which in Desenrola is limited to 1.99% per month, but which still impacts your assets in the long term
Practical Guide: How to carry out the operation at Inter
- Eligibility Check on the FGTS App
The first step is not at the bank, but on the Caixa platform. Access the FGTS application, check your balance and authorize data consultation by financial institutions participating in Desenrola. Without this authorization, the bank is unable to view the balance available for the reduction. - Access the Inter Negotiation Portal
It is possible to renegotiate through the Inter Negotiation Portal. Discounts vary between 30% and 90% depending on the debt profile and the conditions defined by the institution within the program. The exact percentage will be displayed on the portal at the time of negotiation. - Select the option “Rebate with FGTS”
When choosing the debt and viewing the settlement proposal, the system will offer payment methods. When selecting the FGTS, Inter will automatically check the amount you are authorized to move for that negotiation. - Confirmation and Settlement
After confirmation, the FGTS amount is transferred to pay off the debt. If the FGTS balance does not cover the total amount of the renegotiated debt, Inter will allow you to pay the difference. - Low in Negative
With payment confirmed using FGTS as part or total of the amount, Inter has a period of up to 5 business days for defaulters (SPC/Serasa).
Frequently Asked Questions (FAQ)
Does using the FGTS on Desenrola remove my right to the Birthday Withdrawal?
No. Using Desenrola to pay off debts is a specific modality and does not change your previous option for .
Can I use FGTS to pay third-party debts?
No. The FGTS balance is strictly personal and can only be used to pay off debts linked to the CPF of the Guarantee Fund account holder.
What happens if I regret the trade?
Once the FGTS balance is transferred to pay off the debt, the operation is irreversible, as the amount is used to pay off a legally constituted debt.
