{"id":3506,"date":"2023-10-10T18:07:00","date_gmt":"2023-10-10T21:07:00","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=3506"},"modified":"2023-12-08T17:46:50","modified_gmt":"2023-12-08T20:46:50","slug":"desenrola-brasil-desconto-em-dividas-do-cartao-de-credito","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/desenrola-brasil-desconto-em-dividas-do-cartao-de-credito\/","title":{"rendered":"Desenrola Brasil: Z\u013eava na dlhy z kreditn\u00fdch kariet a\u017e do v\u00fd\u0161ky 96%\u00a0"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u010eal\u0161ia f\u00e1za programu <strong>Rozl\u00fa\u0161ti\u0165 Braz\u00edliu<\/strong> Pod\u013ea vl\u00e1dnych inform\u00e1ci\u00ed je jeho sl\u00e1vnostn\u00e9 otvorenie napl\u00e1novan\u00e9 na 9. okt\u00f3bra.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V tejto novej f\u00e1ze bude mo\u017en\u00e9 op\u00e4tovne prerokova\u0165 dlhy a\u017e do v\u00fd\u0161ky 20 000 R$, s osobitn\u00fdm d\u00f4razom na dlhy do v\u00fd\u0161ky 5 000 R$ a kreditn\u00e9 karty.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Priemern\u00e9 pon\u00fakan\u00e9 z\u013eavy bud\u00fa pribli\u017ene 831 TP3T a v ur\u010dit\u00fdch pr\u00edpadoch, napr\u00edklad pri platb\u00e1ch kreditnou kartou, m\u00f4\u017eu dosiahnu\u0165 p\u00f4sobiv\u00fdch 961 TP3T.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Skontrolujte si svoje dlhy! <em>Tu je n\u00e1vod, ako si bezplatne skontrolova\u0165 svoje CPF (braz\u00edlske da\u0148ov\u00e9 identifika\u010dn\u00e9 \u010d\u00edslo) na Serasa:<\/em><\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-100 has-custom-font-size is-style-3d\" style=\"font-size:21px\"><a class=\"wp-block-button__link has-vivid-purple-background-color has-background wp-element-button\" href=\"https:\/\/noticias-gerais.online\/sk\/serasa-como-consultar-gratis-o-seu-cpf\/?utm_source=lp_pg_db_serasa_b1\">\ud83d\udc49 Serasa \u2013 Ako si zadarmo skontrolova\u0165 svoj CPF<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Je mo\u017en\u00e9 vyjedn\u00e1va\u0165 o \u00fa\u010dtoch za kreditn\u00fa kartu?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prostredn\u00edctvom programu je mo\u017en\u00e9 vyjedn\u00e1va\u0165 o dlhu na kreditnej karte.<a href=\"https:\/\/www.caixa.gov.br\/voce\/negociacao\/perguntas-frequentes-desenrola\/Paginas\/default.aspx\" target=\"_blank\" rel=\"noopener\"> Rozl\u00fa\u0161ti\u0165 Braz\u00edliu<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tento program pokr\u00fdva v\u0161etky dlhy vzniknut\u00e9 vo\u010di bank\u00e1m do 31. decembra 2022 vr\u00e1tane oneskoren\u00fdch \u00fa\u010dtov za kreditn\u00e9 karty a in\u00fdch typov dlhov, ako s\u00fa napr\u00edklad nesplaten\u00e9 p\u00f4\u017ei\u010dky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vl\u00e1da stanovila minim\u00e1lnu po\u017eiadavku na op\u00e4tovn\u00e9 prerokovanie: platba v spl\u00e1tkach po\u010das najmenej 12 mesiacov.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O\u010dak\u00e1va sa, \u017ee z tohto programu bude ma\u0165 \u00fa\u017eitok pribli\u017ene 30 mili\u00f3nov \u013eud\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Konkr\u00e9tne podmienky transakcie sa v\u0161ak m\u00f4\u017eu l\u00ed\u0161i\u0165 v z\u00e1vislosti od banky, ktorej dan\u00e1 osoba dlhuje peniaze.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Niektor\u00e9 in\u0161tit\u00facie pon\u00fakaj\u00fa z\u013eavy a\u017e do v\u00fd\u0161ky 901 TP3T z p\u00f4vodnej sumy dlhu pre t\u00fdch, ktor\u00ed sa rozhodn\u00fa splati\u0165 cel\u00fa sumu naraz.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na projekte Desenrola Brasil sa z\u00fa\u010dast\u0148uj\u00fa tieto banky a finan\u010dn\u00e9 in\u0161tit\u00facie:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Braz\u00edlska banka;<\/li>\n\n\n\n<li>Feder\u00e1lna hospod\u00e1rska rada;<\/li>\n\n\n\n<li>Bradesco;<\/li>\n\n\n\n<li>Ita\u00fa;<\/li>\n\n\n\n<li>Santander.<\/li>\n\n\n\n<li>PicPay;<\/li>\n\n\n\n<li>Inter;<\/li>\n\n\n\n<li>Luiza Cred.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kto sa m\u00f4\u017ee zaregistrova\u0165 do Desenrola Brasil?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh6.googleusercontent.com\/KZBHKkYaGi-Kh0Ah4NJEcjICG2Xk1crPFOf_HSrUiwCyTynh3W-vkZgdWAcEG6bEH5KZhQrAxaCKIUPIR64YXvRo1lg1U515GVw1RZSwdmmon2eiYbBJ1TdcxGCeXYG2hD1i6CFbln0s0jyuBdrPCZ0\" alt=\"Desenrola Brasil\"\/><figcaption class=\"wp-element-caption\">Obr\u00e1zky Google<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Jednotlivci s mesa\u010dn\u00fdm pr\u00edjmom do v\u00fd\u0161ky dvoch minim\u00e1lnych miezd (R$ 2 640) alebo t\u00ed, ktor\u00ed s\u00fa registrovan\u00ed v jednotnom registri.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vl\u00e1da odhaduje, \u017ee t\u00e1to f\u00e1za programu Desenrola by mohla by\u0165 pr\u00ednosom pre a\u017e 32 mili\u00f3nov \u013eud\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ktor\u00e9 dlhy bud\u00fa opr\u00e1vnen\u00e9 na op\u00e4tovn\u00e9 prerokovanie?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Program uprednostn\u00ed dlhy do v\u00fd\u0161ky 5 000 R$ na dl\u017en\u00edka. Bude mo\u017en\u00e9 prerokova\u0165 bankov\u00e9 aj nebankov\u00e9 dlhy, ako napr\u00edklad \u00fa\u010dty za kreditn\u00e9 karty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Napr\u00edklad transakcie, ktor\u00e9 boli zmluvne dohodnut\u00e9 medzi 1. janu\u00e1rom 2019 a 31. decembrom 2022, bud\u00fa tie\u017e osloboden\u00e9 od IOF (dane z finan\u010dn\u00fdch transakci\u00ed).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V pr\u00edpade dlhov v rozmedz\u00ed od 5 000 do 20 000 R$ je mo\u017en\u00e9 op\u00e4tovn\u00e9 prerokovanie, ale pod podmienkou platby v hotovosti, ke\u010f\u017ee nebud\u00fa ma\u0165 z\u00e1ruku \u0160t\u00e1tnej pokladnice prostredn\u00edctvom Garan\u010dn\u00e9ho fondu pre oper\u00e1cie (FGO).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Celkov\u00fd objem obchodov by po uplatnen\u00ed zliav mohol dosiahnu\u0165 25 mili\u00e1rd R$.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Minister Fernando Haddad v piatok (29) vyjadril optimizmus a uviedol, \u017ee spolu so zv\u00fd\u0161en\u00edm pr\u00edjmov \u013eud\u00ed, zn\u00ed\u017een\u00edm nezamestnanosti a \u00farokov\u00fdch sadzieb by n\u00e1s toto v\u0161etko mohlo vies\u0165 k predstave lep\u0161ieho \u0161tvrt\u00e9ho \u0161tvr\u0165roka, ako sa o\u010dak\u00e1valo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ak\u00e9 mo\u017enosti platby s\u00fa k dispoz\u00edcii?&nbsp;<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pri dlhoch v p\u00e1sme 1 existuje mo\u017enos\u0165 spl\u00e1tok a\u017e do 60 spl\u00e1tok s minim\u00e1lnou hodnotou 50 R$ na spl\u00e1tku a \u00farokovou sadzbou a\u017e 1 991 TP3T mesa\u010dne.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Spotrebitelia maj\u00fa mo\u017enos\u0165 vykon\u00e1va\u0165 platby prostredn\u00edctvom inkasa, bankov\u00e9ho prevodu alebo slu\u017eby Pix.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Okrem toho je mo\u017en\u00e9 splati\u0165 v\u0161etky dlhy naraz prostredn\u00edctvom platformy Desenrola Brasil.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je v\u0161ak d\u00f4le\u017eit\u00e9 zd\u00f4razni\u0165, \u017ee dlhy s hodnotou medzi 5 000 a 20 000 R$ je mo\u017en\u00e9 uhradi\u0165 iba v plnej v\u00fd\u0161ke, v hotovosti.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Program uprednost\u0148uje men\u0161ie dlhy, do v\u00fd\u0161ky 5 tis\u00edc R$, ktor\u00e9 s\u00fa garantovan\u00e9 N\u00e1rodnou pokladnicou (FGO).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ak\u00e9ko\u013evek sumy presahuj\u00face tento limit sa st\u00e1vaj\u00fa zodpovednos\u0165ou samotn\u00fdch verite\u013eov, a preto sa vy\u017eaduj\u00fa ako jednorazov\u00e1 platba.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pre u\u013eah\u010denie rozhodovania maj\u00fa dl\u017en\u00edci mo\u017enos\u0165 simulova\u0165 sumy, ktor\u00e9 sa maj\u00fa op\u00e4tovne prerokova\u0165.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e1to funkcia bude dostupn\u00e1 na platforme Desenrola a bude bra\u0165 do \u00favahy inform\u00e1cie poskytnut\u00e9 dl\u017en\u00edkom, ako aj podmienky navrhnut\u00e9 bankami. Pozrite si tie\u017e, ako funguje Pix Parcelado:<a href=\"https:\/\/noticias-gerais.online\/sk\/pix-parcelado-o-que-e-e-como-funciona\/\"> tu<\/a>!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1te ot\u00e1zky t\u00fdkaj\u00face sa programu Desenrola Brasil? Zanechajte ich v koment\u00e1roch na blogu ni\u017e\u0161ie!<\/p>","protected":false},"excerpt":{"rendered":"<p>A pr\u00f3xima fase do programa Desenrola Brasil est\u00e1 programada para ser inaugurada em 9 de outubro, de acordo com informa\u00e7\u00f5es do governo.&nbsp; Nessa nova etapa, ser\u00e1 poss\u00edvel renegociar d\u00edvidas no valor de at\u00e9 R$ 20 mil, com \u00eanfase especial nas d\u00edvidas de at\u00e9 R$ 5.000 e cart\u00f5es de cr\u00e9dito.&nbsp; Os descontos m\u00e9dios oferecidos ser\u00e3o de [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3507,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27,14],"tags":[641,640,639,642],"class_list":["post-3506","post","type-post","status-publish","format-standard","has-post-thumbnail","category-beneficios-sociais","category-economia","tag-cartao-de-credito","tag-credito","tag-desenrola-brasil","tag-dividas-2"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/3506","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=3506"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/3506\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media\/3507"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=3506"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=3506"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=3506"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}