2023-07-29 16:53:00
Woman makes calculations on the calculator and counts money (Photo: Arquivo/Campo Grande News)
From installment to installment, the consumer ends up not even noticing the financial “gap” at the end of the day. Desenrola Brasil, a debt renegotiation program, offers easy installment options, for example, but in the end, depending on the debt amount, interest can yield 72.19% more.
O Campo Grande News carried out a simulation, taking into account a debt of R$5,000, paid in 60 months and with a fixed interest rate of 1.99%, in accordance with the rules of Desenrola.
Economist Marcio Coutinho explains that with a debt of R$ 5 thousand to be paid in 5 years, the installment is R$ 143.49 per month. During this period, the consumer will pay a total of BRL 8,609.40, of which BRL 3,609 or 72.19% is interest only.
“Considering that the person will negotiate R$ 5 thousand in 60 months and that the bank did not include IOF (Financial Operations Tax), it did not add any additional cost, contract fee. Those would be the monthly fixed installment amounts every 30 days,” he said.
For the purpose of explaining the calculation made, the economist says that regardless of the amount of the debt, if the interest rate and payment term do not change, the percentage will be the same. “The interest rate and term do not change. We are working with an interest rate of 1.99% and a term of 60 months. If one of these two variables changes, those 72% will change. Regardless of the amount, considering this interest rate and term, the percentage will always be the same”, he added.
Still in the view of the professional, in some cases it is not worth the installment.
It doesn’t pay off in 60 months. The consumer doesn’t realize it, he thinks: does 200 reais fit in my budget? If it fits, he will do it, but he doesn’t think about the whole thing. There is a lack of financial education for Brazilians”, shot Coutinho.
Manager, 33 years old, who preferred not to be identified, renegotiated a credit card debt of R$ 6,600 at Banco do Brasil, divided into six installments. The detail is that it was not by Desenrola. According to him, the interest remained at 10% per month. With that, the debt rose to R$ 7.7 thousand, with installments of R$ 1.28 thousand per month.
Program – For those who owe up to R$ 100, their name will be cleared and removed from the debtor register by financial institutions. But the debt is still active and may cause a problem in the future, if the person wants to maintain a relationship with the bank. Institutions participating in the program will have up to 30 days to remove the client’s name from the register.
Range 2 covers the population with an income of up to R$ 20,000 per month, who have bank debts with no limit on the amount.
Debts can be settled through bank channels and can be paid in at least 12 installments. Debts must be registered in the defaulter register by December 31, 2022.
In addition, Group I includes people who receive up to two minimum wages, that is, R$ 2,640, or who are enrolled in the CadÚnico (Single Registry).
Debts of up to R$5,000 can be renegotiated and paid in up to 60 installments. It is necessary to have defaulted between January 1, 2019 and December 31, 2022. This public must benefit in September.
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