The EMGEA was born in order to restructure their credit management processes to allow the adequacy of the borrower's ability to pay. Thus, to generate improved cash flow enabling the Company to restructure the debts of borrowers, this will lead to reframe these debts into a new profile, which will create a is better structured system of amortization, that does not generate waste at the end of the new term or balance due contracts to market value of the property or provide early settlement.
In separation asset and liabilities of the CEF (Caixa Econômica Federal), for the creation of EMGEA were transferred assets represented by real estate contracts. Thus, the liabilities assumed responsibility EMGEA boxes next to the funds - FGTS (Fundo de Garantia por Tempo de Serviço) and FDS (Fundo Desenvolvimento Social) and creditors FAHBRE in an amount corresponding to the value of claims received.
The biggest challenge is to restructure the EMGEA mortgage contracts that comprise its assets, to the satisfaction of the borrower and the Company. In this context, our technicians have been working in various forms of analysis that are premised value borrowers who pay on time its obligations, without prejudice to the search for solutions also for those who have become delinquent due to fortuitous circumstances, in order to promote incentives for regular permanent contracts beyond the settlements.
We are bold because we are seeking to achieve models that result in innovative solutions for EMGEA and their debtors, in a balanced and definitive. The path already trodden enables the restructuring of many credits, with a significant reduction in operating costs. This was achieved through adjustment of the debt to the debtor's ability to pay, either through installment debts on a new basis, either by encouraging the settlement of the transaction, which rescued the cash flow for the company.
Highlight the priority given by the Project Conciliation in Federal Court (Conciliação no Tribunal Federal), established by the Federal Court, which allowed the extinction of numerous processes that were in progress for years in the judiciary.
Thanks to the direction of the housing, its employees, as well as the Ministry of Finance, in particular the Executive Secretariat, the Secretary of Treasury, the Internal Revenue Service and the Attorney General of the Treasury who spared no efforts in finding solutions the diverse and complex adversity.
EMGEA assina Acordo de Cooperação Técnica com o Governo do Rio Grande do Sul
Compromisso permitirá divulgação, viabilização e acompanhamento da CAMPANHA DE INCENTIVO para liquidação antecipada das dívidas dos mutuários da COHAB/RS
A Empresa Gestora de Ativos assinou em Junho Acordo de Cooperação Técnica com o Governo do Estado do Rio Grande do Sul, em Porto Alegre (RS). O documento tem por objetivo estabelecer a cooperação entre a EMGEA, a Caixa e o Governo do RS, para operacionalizar a liquidação antecipada do saldo de financiamento habitacional dos mutuários da extinta Companhia de Habitação (COHAB/RS) e a entrega de escritura definitiva aos mutuários.