{"id":996149,"date":"2026-05-15T18:59:40","date_gmt":"2026-05-15T21:59:40","guid":{"rendered":"https:\/\/bahiaeconomica.com.br\/wp\/?p=996149"},"modified":"2026-05-15T18:55:52","modified_gmt":"2026-05-15T21:55:52","slug":"ministerio-lanca-simulador-de-renegociacoes-do-novo-desenrola","status":"publish","type":"post","link":"https:\/\/bahiaeconomica.com.br\/wp\/2026\/05\/15\/ministerio-lanca-simulador-de-renegociacoes-do-novo-desenrola\/","title":{"rendered":"MINIST\u00c9RIO LAN\u00c7A SIMULADOR DE RENEGOCIA\u00c7\u00d5ES DO NOVO DESENROLA"},"content":{"rendered":"<p>O Minist\u00e9rio da Fazenda lan\u00e7ou nesta sexta-feira (15) uma calculadora online para simular renegocia\u00e7\u00f5es de d\u00edvidas pelo programa Novo Desenrola Brasil \u2013 Fam\u00edlias. A ferramenta permite que pessoas com renda de at\u00e9 cinco sal\u00e1rios m\u00ednimos, equivalente a R$ 8.105, consultem previamente condi\u00e7\u00f5es estimadas de pagamento antes de procurar uma institui\u00e7\u00e3o financeira.<\/p>\n<p>O simulador j\u00e1 est\u00e1 dispon\u00edvel no site oficial do minist\u00e9rio e foi desenvolvido para ampliar o acesso \u00e0 informa\u00e7\u00e3o e facilitar a organiza\u00e7\u00e3o financeira dos consumidores endividados.<\/p>\n<p>Como funciona<br \/>\nA calculadora apresenta estimativas com base nas regras do programa, considerando crit\u00e9rios como:<\/p>\n<p>\u2022 tempo de atraso das d\u00edvidas;<\/p>\n<p>\u2022 descontos m\u00ednimos previstos;<\/p>\n<p>\u2022 valor aproximado das parcelas;<\/p>\n<p>\u2022 possibilidade de quita\u00e7\u00e3o ou renegocia\u00e7\u00e3o.<\/p>\n<p>O sistema tamb\u00e9m permite simular o uso do Fundo de Garantia do Tempo de Servi\u00e7o (FGTS) na renegocia\u00e7\u00e3o.<\/p>\n<p><strong>Uso do FGTS<\/strong><\/p>\n<p>Pelas regras do Novo Desenrola, o trabalhador poder\u00e1 utilizar:<\/p>\n<p>\u2022 at\u00e9 20% do saldo dispon\u00edvel do FGTS;<\/p>\n<p>\u2022 ou at\u00e9 R$ 1 mil, prevalecendo o maior valor.<\/p>\n<p>O Minist\u00e9rio da Fazenda informou que a confirma\u00e7\u00e3o sobre a possibilidade de uso do fundo dever\u00e1 ser feita diretamente com a institui\u00e7\u00e3o financeira participante do programa.<\/p>\n<p>Objetivo da medida<br \/>\nDe acordo com o governo federal, a ferramenta foi criada para oferecer mais transpar\u00eancia e seguran\u00e7a ao cidad\u00e3o antes da contrata\u00e7\u00e3o da renegocia\u00e7\u00e3o.<\/p>\n<p>As condi\u00e7\u00f5es definitivas, no entanto, depender\u00e3o da an\u00e1lise e aprova\u00e7\u00e3o dos bancos habilitados no programa.<\/p>\n<p>foto:\u00a0Marcello Casal JrAg\u00eancia Brasil<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Minist\u00e9rio da Fazenda lan\u00e7ou nesta sexta-feira (15) uma calculadora online para simular renegocia\u00e7\u00f5es de d\u00edvidas pelo programa Novo Desenrola Brasil \u2013 Fam\u00edlias. A ferramenta permite que pessoas com renda de at\u00e9 cinco sal\u00e1rios m\u00ednimos, equivalente a R$ 8.105, consultem previamente condi\u00e7\u00f5es estimadas de pagamento antes de procurar uma institui\u00e7\u00e3o financeira. O simulador j\u00e1 est\u00e1 [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":996151,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[14,3],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MINIST\u00c9RIO LAN\u00c7A SIMULADOR DE RENEGOCIA\u00c7\u00d5ES DO NOVO DESENROLA - Bahia Economica<\/title>\n<meta name=\"description\" content=\"O maior portal de Economia da Bahia DESTAQUE DO DIA, ECONOMIA \/ POL\u00cdTICA Bahia Economica\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bahiaeconomica.com.br\/wp\/2026\/05\/15\/ministerio-lanca-simulador-de-renegociacoes-do-novo-desenrola\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MINIST\u00c9RIO LAN\u00c7A SIMULADOR DE RENEGOCIA\u00c7\u00d5ES DO NOVO DESENROLA - 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