Desenrola 2.0: Find out how to use FGTS to pay off debts starting today

Consultations of FGTS (Service Time Guarantee Fund) values for use in the debt renegotiation program, Desenrola 2.0, are available to workers from this Monday (25th).

According to the MTE (Ministry of Labor and Employment), the measure will allow the use of up to 20% of the Guarantee Fund balance or up to R$1,000 to pay off outstanding debts.

After checking the balance, financial institutions will have an estimated period of up to 30 days to formalize the contracts and register the operations with Caixa Econômica Federal, which will directly transfer the workers' resources to the creditor institution.

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To use the FGTS as a form of debt repayment or settlement, you must adhere to the Federal Government program.

The worker interested in using the balance must go to the bank and request registration in Desenrola 2.0. Around 10,000 Post Office branches will also be receiving memberships as a way of facilitating the process.

What to expect from the program
The Minister of Finance, Dario Durigan, stated that, as of May 14, Desenrola 2.0 has already renegotiated R$10 billion, in 1.1 million operations. According to him, one million CPFs have already been benefited and 449 thousand debts have been paid in cash.

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The estimate is that up to R$8.2 billion from the FGTS can be used to renegotiate debts through the program.

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According to Rogério Ceron, last Thursday (21), executive secretary of the Ministry of Finance, Rogério Ceron, the R$8 billion ceiling has the function of "keeping the Fund balanced", preventing very large amounts of reserve balances from being withdrawn to pay debts.

However, the Ministry of Finance expects that the amount will not be used in full, as the government's expectation is that Desenrola will consume less than this amount.

"This amount is more than enough to pay off the debts, so we believe it won't even be used in full. It's more of a control limit," he said.

Membership and how to participate
According to a Nexus/BTG survey released this Monday, around three in every 10 Brazilians are thinking about joining Desenrola 2.0 to renegotiate their debts. Of those interviewed, 6% have already used the program.

Those who earn up to 5 minimum wages (R$ 8,105) can be part of the measure; have debts contracted until January 31, 2026 and which are overdue between 91 days and 2 years; and who will renegotiate credit card, overdraft and personal credit (CDC) debts.

The program offers a discount of up to 90% on old debt; maximum interest rate of 1.99% per month; 35 days to start paying; installments in up to 48 installments; possibility of using FGTS; denial of people who have debts of up to R$100 in participating financial institutions.

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Source: CNN