When it makes sense
It makes sense when the letter is verified, the term is not too long and the total cost remains below a comparable financing offer.
- Moderate ágio
- Shorter remaining term
- Clear administrator rules
- Verified share
Decision guide
Is a carta contemplada worth it?
A carta contemplada can beat financing when the ágio, remaining term and total cost are sensible. It is not automatically the best option.
When it does not
A very high entry, long term with heavy reajuste or an unverified seller can remove the advantage.
- Ágio too high
- Long term
- Unclear balance
- Pressure to pay fast
How Liberty Carta compares
We look at entry, installments, outstanding balance, term and reajuste together. The monthly payment alone is not enough.
FAQ