Desenrola 2.0 Registers Over 1.13 Million Debt Deals With Very Large Discounts

Overview

• The federal plan lets eligible individuals with income up to five minimum wages renegotiate bank debts with discounts up to 90 percent, interest capped at 1.99% per month, and limited use of FGTS savings to pay balances.
• The Ministry of Finance says the program has already completed about 1.13 million operations and more than 449,000 outright payments, with an average discount near 85 percent and roughly R$10 billion in original debts affected.
• A Datafolha survey finds 68 percent of indebted Brazilians expect to benefit personally from Desenrola 2.0 and about 77 percent believe it will help the national economy, with optimism strongest among younger people, Northeastern residents, and Lula voters.
• Independent local research underlines persistent household stress and uneven exposure to debt, for example a Fecomércio SP tally that showed 85 percent of families in Natal carried debts and 32 percent had overdue bills.
• Officials say the program has already loosened credit conditions for families and small businesses through Fies, Pronampe and Procred moves, but long-term relief will depend on curbing high-cost credit, improving financial education and addressing regional gaps.