{"id":37,"date":"2026-05-11T10:52:10","date_gmt":"2026-05-11T13:52:10","guid":{"rendered":"https:\/\/economiafinanceira.online\/?p=37"},"modified":"2026-05-11T10:52:12","modified_gmt":"2026-05-11T13:52:12","slug":"saiba-o-que-esperar-do-programa-desenrola-2-0","status":"publish","type":"post","link":"https:\/\/economiafinanceira.online\/?p=37","title":{"rendered":"Saiba o que esperar do programa Desenrola 2.0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Ao CNN Novo Dia, analista de economia da CNN Gabriel Monteiro detalha nova edi\u00e7\u00e3o do programa de renegocia\u00e7\u00e3o de d\u00edvidas, que prev\u00ea descontos de at\u00e9 90% e uso de 20% do saldo do FGTS para quitar d\u00e9bitos<\/h2>\n\n\n\n<p><strong>O&nbsp;<a href=\"https:\/\/www.cnnbrasil.com.br\/economia\/macroeconomia\/novo-desenrola-sera-lancado-hoje-com-uso-do-fgts-e-bloqueio-de-bets\/\">governo federal deve lan\u00e7ar o Desenrola 2.0<\/a><\/strong>, nova vers\u00e3o do programa de renegocia\u00e7\u00e3o de d\u00edvidas criado em 2023, nesta segunda-feira (04). Ao&nbsp;<strong>CNN Novo Dia<\/strong>,&nbsp;<strong>Gabriel Monteiro<\/strong>, analista de economia da&nbsp;<strong>CNN Brasil<\/strong>, explicou as principais caracter\u00edsticas e diferen\u00e7as entre as duas edi\u00e7\u00f5es do programa.<\/p>\n\n\n\n<p>De acordo com Monteiro, o simples fato de uma segunda vers\u00e3o ser lan\u00e7ada em t\u00e3o pouco tempo j\u00e1 indica que a primeira edi\u00e7\u00e3o n\u00e3o cumpriu plenamente seus objetivos.<\/p>\n\n\n\n<p>&#8220;Isso n\u00e3o aconteceria com uma pol\u00edtica p\u00fablica que deu certo&#8221;, afirmou o analista, destacando que o Brasil enfrenta um problema cr\u00f4nico de endividamento que a primeira vers\u00e3o do programa n\u00e3o conseguiu resolver.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Taxas de juros e descontos<\/h2>\n\n\n\n<p>O Desenrola 2.0 prev\u00ea taxas de juros de at\u00e9 2% ao m\u00eas para as d\u00edvidas renegociadas \u2014 o que equivale a 27% ao ano. Gabriel Monteiro avaliou que, apesar de parecer vantajosa \u00e0 primeira vista, trata-se de uma taxa bastante pesada para um programa de renegocia\u00e7\u00e3o.<\/p>\n\n\n\n<p>Para viabilizar essa taxa, o governo precisar\u00e1 oferecer garantias para d\u00edvidas da popula\u00e7\u00e3o de menor poder aquisitivo e, provavelmente, ceder cr\u00e9ditos tribut\u00e1rios. &#8220;O governo vai tirar dinheiro do bolso para resolver este problema. Ao menos, por enquanto&#8221;, explicou o analista.<\/p>\n\n\n\n<p>Os descontos podem chegar a at\u00e9 90% do valor das d\u00edvidas, desde que sejam cumpridas condicionantes como garantia da Uni\u00e3o, garantia de fundos do governo brasileiro e a utiliza\u00e7\u00e3o dos cr\u00e9ditos tribut\u00e1rios mencionados.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Uso do FGTS como novidade<\/h2>\n\n\n\n<p>A principal diferen\u00e7a entre o Desenrola 1.0 e o 2.0 \u00e9 a possibilidade de utilizar o Fundo de Garantia por Tempo de Servi\u00e7o (FGTS) para quitar d\u00edvidas. No entanto, o saque est\u00e1 limitado a 20% do saldo dispon\u00edvel.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ao CNN Novo Dia, analista de economia da CNN Gabriel Monteiro detalha nova edi\u00e7\u00e3o do programa de renegocia\u00e7\u00e3o de d\u00edvidas, que prev\u00ea descontos de at\u00e9 90% e uso de 20% do saldo do FGTS para quitar d\u00e9bitos O&nbsp;governo federal deve lan\u00e7ar o Desenrola 2.0, nova vers\u00e3o do programa de renegocia\u00e7\u00e3o de d\u00edvidas criado em 2023, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":38,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,4],"tags":[],"class_list":["post-37","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-economia-nacional"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Saiba o que esperar do programa Desenrola 2.0 - 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