O que é LCI (Letra de Crédito Imobiliário)?

por: SobreMoney Foto: Canva

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[{"selector":"#anim-4bb95a8a-56d8-4879-931f-14499b250ad7","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4c23e456-3c1e-44bb-97f5-06cb1eb84b97","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2bb34586-e20c-4065-af41-33182308a4c8","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2c3fcea9-19e1-4b7f-9369-b9f96b7ffa9c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-15d3f4e7-9ece-4696-a807-ce9d89622e00","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta LCIs podem ser prefixadas, pós-fixadas ou híbridas, com rendimentos variáveis conforme a modalidade escolhida, geralmente atrelados ao CDI.

[{"selector":"#anim-bf2babe9-57cd-492f-b603-b6074cc4022c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b219e3b-c037-442b-9b64-e0ca23944f9c","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-66ef2305-c002-47ef-b1b6-333a8c1ad0b5","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-249eb39c-136d-44ed-ab87-13d04ee95e44","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-814df02d-d3ea-49d5-9765-88134f6183d3","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Os prazos das LCIs são definidos no momento da aplicação. Resgates antecipados podem comprometer a rentabilidade. Seta

[{"selector":"#anim-20bd161a-c0e6-4596-8615-b0433212a92c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-35bc6a07-e119-4016-9c74-4b7847c4bfcf","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2ff0a126-9c7f-46e7-827f-b97f97c11037","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-889d9d56-8a67-4690-b11e-4b29cf42f99d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-df2b45ba-3e1a-4af8-bae6-55e3e3be35ef","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta A LCI tem um valor mínimo de investimento, geralmente em torno de R$ 30.000. Há isenção de Imposto de Renda e IOF, tornando-a atrativa.

[{"selector":"#anim-724d1ffd-5f69-4140-bc01-557d5db4d961","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b5ed8745-c5b0-4fb2-ab9d-112b1e2c517f","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd61571a-b144-4ed7-a4e6-423fb258ff52","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-c0bd8419-3e6f-47ce-9d44-bcaf85639871","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-332209ea-83ad-4e09-a67f-f2adf1d8876c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] LCIs são de baixo risco devido à cobertura do Fundo Garantidor de Crédito (FGC), protegendo o investidor até R$ 250.000 em caso de falência do emissor. Seta

[{"selector":"#anim-2868afcc-95d9-453b-82a4-79cf046dab2b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-83cdc93f-13d4-40b6-aac2-ebc5ece0cf0f","keyframes":{"transform":["translate3d(-190.14598%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ac9353fc-b861-41aa-862a-67b578e62f12","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dbde30f9-dee7-46f3-abf9-5e1caa90f811","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-eadf24ff-5d4a-4dae-95c7-9b26fc668cfe","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] Seta Oferece melhor rentabilidade que a poupança, isenção de tributos e segurança do FGC. É comparável a LCAs, mas destinada ao setor imobiliário.

[{"selector":"#anim-fa2e49ed-5e07-4f15-b5f9-2d501f6e623e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8fec3fba-39e7-4dc2-96e8-f7d08d175161","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-67f1ef01-7e04-4d2e-8078-c5ca0b67dce2","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-01eed55d-11dd-4c93-9de9-78ecd3b6e92d","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13bad96d-d4d2-4adb-a94b-22ece491ce44","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Para maximizar a rentabilidade, é recomendado investir a longo prazo, diversificar a carteira e acompanhar periodicamente os resultados. Seta

[{"selector":"#anim-2fd78f17-e335-4eea-8d78-2034826b5373","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8d56e6a8-e9cb-411b-ae75-8bf44789f38f","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-7384304a-d447-41dc-8b5a-31363e250bc9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b90b8b10-4790-4e6d-8adf-fcef8b04eba9","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