Decisão
Contemplated vs non-contemplated letter: which to buy and why
The difference between a contemplated and a non-contemplated share, the pros of each, and how to choose based on your urgency and budget.
| Scenario | What to check | Best next step |
|---|---|---|
| Contemplated | Released credit, agio and transfer. | Best for urgency. |
| Non-contemplated | No agio, but waiting and uncertainty. | Best for people who can wait. |
| Comparison | Entry, installments, term and award probability. | Decide by total cost and urgency. |
Want to compare a real letter?
Check entry amount, installment, term and administrator before deciding. Liberty Carta helps verify the share and compare total cost.
See available lettersWhen buying someone's consortium share, you'll find two types: contemplated and non-contemplated. They suit different profiles — understanding the difference avoids paying for something that doesn't fit your goal.
Contemplated share
This is a share whose credit has already been awarded, by draw or bid. The buyer pays an entry with ágio and has the credit available right after the transfer is approved. It's the choice for those in a hurry to use the credit.
Non-contemplated share
This is a share that hasn't received the credit yet — the buyer takes over the installments and keeps waiting for the draw or planning a bid. It usually costs less at entry, precisely because there's no contemplation ágio. It's the choice for those who can wait and want to pay less now.
How to decide
- Assess your urgency: do you need the good now or can you wait?
- Compare the total cost of both options, not just the entry.
- Weigh the ágio of the contemplated one against the wait of the non-contemplated.
- Always verify the share status in the official statement before paying.
Liberty Carta works with cartas contempladas and shows the entry, installment, term and reajuste of each, so you can compare clearly. We are not a consortium administrator: we broker and advise the purchase and transfer.
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