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Redesigned program promises to alleviate default with facilitated conditions, strategic use of forgotten funds, and limits that even include restrictions on online betting
Money forgotten in banks could gain a new role in the Brazilian economy — and, this time, with a direct impact on the pockets of millions of defaulters. The federal government announced that these funds will be used as collateral to boost the new debt renegotiation program, Desenrola, bringing lower interest rates, significant discounts, and extended payment terms.
The information was disclosed by the Minister of Finance, Dario Durigan, who detailed the use of funds available in the System of Values to Receive (SVR), in addition to existing public funds. The strategy, according to him, seeks to reduce the cost of credit and expand the program’s reach in a scenario of high indebtedness among Brazilian families.
Government bets on forgotten billions to unlock credit
In a move considered bold, the government plans to use up to R$15 billion in Union guarantees to enable lower interest rates in the new Desenrola. A significant portion of this amount will come from unredeemed funds by citizens, currently held in the financial system’s treasury.
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In this regard, the estimate is to mobilize between R$5 billion and R$8 billion solely from these forgotten funds. Furthermore, the plan includes directing R$2 billion already available in the Operations Guarantee Fund (FGO), with the possibility of new contributions that could reach R$5 billion.
Meanwhile, the government seeks to create a more favorable environment for renegotiation, allowing financial institutions to offer more accessible conditions without assuming high risks.
Who can participate and which debts are included in the program
The new Desenrola was specifically designed to assist indebted families. According to the government, debts contracted until January 31, 2026, can be renegotiated, provided they are overdue between 90 days and up to two years.
Among the covered modalities are:
- Credit card
- Overdraft
- Personal credit (CDC)
Furthermore, the program offers conditions considered more advantageous than those currently practiced in the market. The interest rate will have a maximum limit of 1.99% per month, with a payment term that can reach 48 months.
On the other hand, the government also established criteria that seek to encourage responsible credit use, preventing the cycle of indebtedness from repeating.
Discounts can reach 90% and FGTS use is part of the strategy
One of the most attractive points of the program is the discounts offered. Beneficiaries can obtain reductions between 30% and 90% of the total debt amount, depending on the negotiation conditions.
Additionally, it will be permitted to withdraw up to 20% of the balance from the Severance Indemnity Fund (FGTS) to help settle debts. This measure reinforces the government’s attempt to increase families’ payment capacity and accelerate financial recovery.
President Luiz Inácio Lula da Silva had already anticipated program details in a statement on the eve of Labor Day. According to him, Desenrola may also include renegotiation of debts from the Student Financing Fund (Fies), further expanding the initiative’s reach.
Unexpected rule: beneficiaries excluded from online betting
Amidst the economic measures, one rule drew attention. During the announcement, Lula emphasized that program participants will not be able to access online betting platforms for a period of one year.
“We will do all this with a Guarantee Fund, but you cannot bet,” declared the president, signaling a concern about the use of money and the risk of worsening financial situations.
The measure, although controversial, is part of a broader attempt to promote financial education and prevent released funds from being directed towards high-risk activities.
Source: CNN Brasil
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