The rent guarantee is essential to conclude a private lease! It's an amount of money that the lessee has to block in a bank account. The money is available to the lessor in case of non payment of the rent or in case of death in the housing.
The guarantee is generally a sum that represents three months of rent. The sum is locked up during the duration of the rent. After paying unexpected mishaps or damages, or if everything is in order, the lessee gets back the money.
A rent guarantee is required for a commercial lease too. In this case, the amount of the guarantee is more important.
It's particularly constraining to lock up important amount of money in a bank account and that the lessee recovers the money almost 2 months after his departure of the housing.
It's possible to break free from a bank rent guarantee by asking an insurance company that offers this service. It means that a society will be the guarantor of your rent. Your money is not locked up in a bank account and you can easily access the rental of a housing even if you don't have enough liquidity for the rent guarantee.
With this option, the payment of your private rent guarantee is an annual premium. The premium is between 3.6% and 5% of the total amount of the rent guarantee. It depends on the offer that you will choose.
You don't have to collect the necessary liquidity for the rent guarantee and you can use your money like you want. It reduces your administrative procedures because the company transmits to the owner the certificate or rent guarantee.
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