{"id":60635,"date":"2026-08-10T20:58:00","date_gmt":"2026-08-10T23:58:00","guid":{"rendered":"https:\/\/www.contornofm.net\/site\/desenrola-adimplentes-comeca-a-operar-nesta-terca-feira\/"},"modified":"2026-08-10T20:58:00","modified_gmt":"2026-08-10T23:58:00","slug":"desenrola-adimplentes-comeca-a-operar-nesta-terca-feira","status":"publish","type":"post","link":"https:\/\/www.contornofm.net\/site\/desenrola-adimplentes-comeca-a-operar-nesta-terca-feira\/","title":{"rendered":"Desenrola Adimplentes come\u00e7a a operar nesta ter\u00e7a-feira"},"content":{"rendered":"\n<p>O Desenrola Adimplentes come\u00e7a a operar nesta ter\u00e7a-feira (11) com novas regras para a participa\u00e7\u00e3o dos bancos e da Uni\u00e3o. Agora, 30% dos valores das opera\u00e7\u00f5es vir\u00e3o das pr\u00f3prias institui\u00e7\u00f5es financeiras, enquanto os 70% restantes ser\u00e3o bancados pelo governo.<img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/agenciabrasil.ebc.com.br\/ebc.png?w=640&#038;ssl=1\" style=\"width:1px; height:1px; display:inline;\" \/><img data-recalc-dims=\"1\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/agenciabrasil.ebc.com.br\/ebc.gif?w=640&#038;ssl=1\" style=\"width:1px; height:1px; display:inline;\" \/><\/p>\n<p><strong>O programa permite renegociar at\u00e9 R$ 15 mil em d\u00edvidas sem garantia com taxa m\u00e1xima de 1,99% ao m\u00eas, bem abaixo da m\u00e9dia atual do cr\u00e9dito pessoal, que gira em torno de 7% ao m\u00eas. <\/strong>Essa modalidade oferece cr\u00e9dito para trabalhadores informais que mant\u00eam suas d\u00edvidas em dia. O pacote tamb\u00e9m inclui uma linha voltada para estudantes e ex-estudantes adimplentes do Fundo de Financiamento Estudantil (Fies) e medidas para trabalhadores com carteira assinada.<\/p>\n<p><strong>A principal altera\u00e7\u00e3o permite que qualquer banco participante utilize recursos pr\u00f3prios combinados com at\u00e9 R$ 3 bilh\u00f5es disponibilizados pela Uni\u00e3o.<\/strong> Antes, apenas Banco do Brasil e Caixa poderiam combinar recursos pr\u00f3prios com os recursos p\u00fablicos, o que gerou resist\u00eancia das institui\u00e7\u00f5es.<\/p>\n<h3>Regras<\/h3>\n<p>As regras para participar do Desenrola Adimplentes continuam as mesmas. Podem aderir ao programa clientes que tenham contratado cr\u00e9dito pessoal sem consigna\u00e7\u00e3o em folha, incluindo empr\u00e9stimos feitos para reunir outras d\u00edvidas. Al\u00e9m disso, \u00e9 necess\u00e1rio ter quitado pelo menos quatro parcelas do contrato e possuir saldo devedor de at\u00e9 R$ 15 mil por institui\u00e7\u00e3o financeira. Outro requisito \u00e9 estar com as presta\u00e7\u00f5es em dia ou, no m\u00e1ximo, com atraso de at\u00e9 90 dias antes da publica\u00e7\u00e3o da medida provis\u00f3ria.<\/p>\n<p><strong>D\u00edvidas de cr\u00e9dito rural, financiamentos com garantia real, cart\u00e3o de cr\u00e9dito nas modalidades parcelada e rotativa e d\u00e9bitos de cheque especial n\u00e3o est\u00e3o inclu\u00eddos no programa.<\/strong><\/p>\n<p>Quem tiver mais de uma d\u00edvida enquadrada no Desenrola dentro do mesmo banco poder\u00e1 renegoci\u00e1-las. Os interessados devem procurar diretamente a institui\u00e7\u00e3o financeira onde contrataram o empr\u00e9stimo para verificar as condi\u00e7\u00f5es dispon\u00edveis e solicitar a renegocia\u00e7\u00e3o.<\/p>\n<p><em>*Com reportagem de Tatiana Alves<\/em><\/p>\n<p> <span class=\"hms hms-format-m-ss\">2:36<\/span> Fonte: https:\/\/agenciabrasil.ebc.com.br\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Desenrola Adimplentes come\u00e7a a operar nesta ter\u00e7a-feira (11) com novas regras para a participa\u00e7\u00e3o<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[61],"tags":[],"class_list":["post-60635","post","type-post","status-publish","format-standard","hentry","category-destaque"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Desenrola Adimplentes come\u00e7a a operar nesta ter\u00e7a-feira - 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