The bank guarantee and the rent of housing

www.minus19.com

25-01-2009 | Javier Gomez

rent - de-vivienda

Times of crisis, times of desconfianzas. Unfortunately it is a parity that is always fulfilled, and the fact is that when the money is missing, when the unemployment grows, when every time it is more difficult to confront the debts, also more complicated it is that the banks rely and give you a loan or that, as in the case that occupies us, who wants to rent a housing to us relies that we will pay to him in the future. That's why it is more and more habitual not only asking for references or payrolls to see the stability of the income, but even, the lessors, ask for a bank guarantee.

This way, the lessor insures himself the payment of the monthly salaries that are endorsed in case the lodger stops paying. One asks for this document complementing to the deposit for that one usually usually asks in case of the rents.

To formalize the guarantee, the rented future must go to his bank and ask for a contract of guarantee with which the bank should promise to pay when this one does not face to the debt. Obviously, the bank, in return, will ask the tenant for a few responsibilities and commitments, generally, by means of the collateral of some assets. Namely the rented one will have to have in the slightly retained, like effective bank, actions, etc. that I guaranteed to the bank that will be able to receive his debt in case the guarantee is executed.

Since this technical figure is proliferating increasingly, the Government had to good to contemplate it across the revenue of Emancipation in which a help of 120 € is included in case of having to formalize a bank guarantee. Nevertheless, it is necessary to bear in mind that, for Law, the only thing really exigible on the part of the one who rents there is a deposit equivalent to, at least, a month of monthly salary, deposit that will have to settle in the Record of Deposits.

Be as he will be, most benefited he is, undoubtedly, the lessor since he insures himself to receive all his monthly salaries even if the rented one stops paying to him, since the bank would be a guarantor who was paying to him in the opposite case.

Since the expenses of the sun formalizes a bank guarantee exaggeratedly high places, and since it is not also obligatory for Law to ask for a guarantee, we can always try to speak with the lessor and come to an agreement. In general, to catch cash is always a good motive for yielding a little, therefore we might try to leave some money to him more in deposit, and instead of depositing one or two monthly salaries, leaving him one month more, with what the one that it rents will have more down money and sonante in his hands.

To read more on: Rents, real estate Market
Related articles:

There are no comments yet...