O que é LCA (Letra de Crédito do Agronegócio)?

por: SobreMoney Foto: Canva

[{"selector":"#anim-4d116175-3e9d-41f7-9672-1282dcf626fe","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cafa5dc8-b870-4e2d-a4e6-213cbad0cf60","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-54863927-c862-4b0c-bc08-9fe9e6004a48","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7c5ce71b-8c5e-433b-a08b-acd7a5342b11","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e6a5674a-ab12-47a3-b948-441220c873c7","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e2ec28b1-b1d0-489d-a57c-72c9c7bd52b2","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Letra de Crédito do Agronegócio (LCA) é um título de renda fixa emitido por instituições financeiras para financiar o setor agrícola. Seta

[{"selector":"#anim-d9fc3533-2597-4856-b286-8e5d2a1a53a8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-43beaa97-dec0-452b-9cfc-2d42d06083f8","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b0ce8e0-897e-4246-b1fb-b05cf56b3295","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fd9808b0-0bb3-464e-ac24-67755e7df39b","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13478cd2-d1c3-414d-9e87-6d3f772a5c14","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74688d48-d87d-48d5-9371-468002726388","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Os recursos captados são destinados a empréstimos para produtores rurais adquirirem maquinário e insumos, impulsionando o agronegócio. Seta

[{"selector":"#anim-e296a3f0-0628-41a4-a0f5-930a90b52633","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3daa5fe0-ae31-435c-8427-9051fed3afdd","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d1d1a924-b4fa-4a1f-9bd5-5b09d5283d00","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-11fbaf84-2250-47d3-99c5-3932a2df7db9","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9eb02f20-a718-422e-a1de-1a125ae8d67e","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-711f7cae-e424-4c23-b40c-26c6399270c3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] A LCA pode ter remuneração prefixada, pós-fixada (atrelada ao CDI) ou híbrida (IPCA + taxa prefixada). Seta

[{"selector":"#anim-906054b5-8f36-490c-a4c7-fa6892b1f353","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-546b79db-fc11-467e-8838-cfc95d3ddfbf","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d89b07a-9377-4d7b-97b7-4bce1bd25160","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-831ab061-9d4a-4ebb-9f9a-ca46e007472e","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-92b15554-ba35-4166-bc76-ccaaf99a237b","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cb9240f4-3c30-4323-94bc-8eade0813dbe","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] LCA é isenta de Imposto de Renda e IOF para pessoa física, garantida pelo Fundo Garantidor de Créditos (FGC), e é um investimento de baixo risco. Seta

[{"selector":"#anim-691b0f46-dae3-4634-8913-99d4f9e262ac","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d0a07c7b-c75c-433d-b55a-aa93209b0df2","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42acd456-dd42-42ef-8a2c-a2a6547b5645","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-09445f35-4d42-403c-8870-b613b04257d4","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2efa438d-1a24-4fc9-be76-a0116357f7e6","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-17979afb-2fa0-4f07-aa32-4d6d37eaec36","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] A principal diferença é a destinação dos fundos; LCI financia o setor imobiliário, enquanto LCA apoia o agronegócio. Seta

[{"selector":"#anim-833bb906-6d7c-4ae5-9073-d3cb7655ae82","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fb481581-e72e-4da7-87d2-e63ddb69fc7c","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-26c9fed6-33da-4257-b44a-3d9cac7a09de","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0ace7e1-5e74-4c2a-bb5a-dafce9df884d","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3447d429-c263-4433-9132-c168d313adfa","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ccc07597-72a4-46b9-90bd-f711376491fb","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Pode ser feito via bancos emissores ou corretoras, sendo que corretoras geralmente oferecem melhores taxas de rentabilidade. Seta

[{"selector":"#anim-2bdc7cbc-f8e3-47a3-855b-94a4f7b491f7","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6dff719-a98f-48fa-bd88-106ed59980ad","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-683e8793-2b76-48a2-9bb1-b1fe7e6a7111","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86d8e08b-7253-408b-a5cb-cf00e586df66","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9a1af46c-33b4-4ba5-b4aa-ec4f644ca8ba","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-20f47fd6-35f0-4942-91a3-e1b903bd589c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Ideal para investimentos de médio a longo prazo devido à baixa liquidez e a necessidade de cumprir o prazo de carência para evitar multas. Seta

[{"selector":"#anim-d9dd0902-f563-4ef8-9014-64a5824c8dc7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1432b66f-cd7f-4e54-b97e-7e8d4177aac2","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dc09dcba-2aae-40da-9af3-efe1fff87039","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7f46063a-af73-4870-9f5f-ee3acdbb3c4e","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva LEIA MAIS EM SOBREMONEY.COM.BR Seta