Brazilian central bank President Affonso Celso Pastore told his country's major bank lenders in New York yesterday that debt-laden Brazil will need to renegotiate the terms on payments falling due in 1985 but will not need to borrow any new money from them.

Citibank Senior Vice President William R. Rhodes, who heads the bank committee that negotiates with Brazil, said talks on refinancing next year's debts will begin early next month. Pastore said Brazil will make formal proposals at those meetings.

Pastore told lenders that Brazil's 1984 economic growth and its trade surplus will be far better than either Brazil or others had anticipated.

Brazil, whose $100 billion in foreign debts make it the biggest borrower in the developing world, has had grave problems reducing its high rate of inflation.

Brazilian officials and bank lenders have said privately that the country would prefer to negotiate a long-term restructuring of its foreign debts -- as Mexico and Venezuela have done -- but bankers are reluctant to enter into long-term agreements with the current military government because it goes out of power early next year.

Bankers did say that they will be ready to negotiate with the new government -- the first one headed by a civilian since 1964 -- as soon as it takes power.

After some early difficulties with the International Monetary Fund and its bank lenders, Brazil -- like Mexico -- took difficult and socially costly steps to reduce its need to borrow and to increase the amount of foreign exchange it earns from exports. Bankers have said they wanted to "reward" countries such as Mexico with easier repayment schedules.

Last August, Mexico's key bank lenders agreed to stretch out repayment of that country's $50 billion in bank debts over 14 years on substantially easier terms. Venezuela, with large oil revenues, did not need to borrow from its bankers and was able to negotiate a 12 1/2-year repayment term for its bank debts.

Pastore told bank lenders in New York yesterday that Brazil expects to achieve an economic growth rate of 3 percent this year compared with the zero rate forecast last January. He said that the country's trade surplus will be about $6 billion more than in 1983.