Unpaid rent: the visal deposit or a physical guarantor, what choice for owners?

In the “Great Rendezvous of Real Estate” (Capital / Radio Immo), Anne Boucaut, real estate agent, assesses the advantages, for owners and tenants, of the Visale rental guarantee, managed by Action Housing, compared to A natural person guarantor.

Capital video: Is the Visale warranty safer than a natural person guarantor?

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Owner lessor From a studio, you are about to rent it to an active young. Among the candidates, some have the Visale rental deposit. For others, their parents are worn guaranty payment of rents. For what solution is it better to opt? Visale or a natural person guarantor? “This is a question that is frequently asked to us”recognizes Anne Boucaut, at the head of the Boucaut Immobilier agency at Plessis-Robinson, in Hauts-de-Seine, in the program “The Large real estate meeting(Capital / Radio Immo).

For this real estate agent, “The Visale Guarantee is particularly reassuring for the owners because it presents a institutional reliability»». Visale is indeed managed by Action Housing, an organization administered by employers and union organizations, better known under the name of “1% employer”. FreeVisale guarantees the owner the payment of rent and charges, in the event of failure of the tenant, as well as any damage. In detail, the unpaid rents and charges are guaranteed up to 36 months in the private rental fleet (as opposed to social housing). Degradations are guaranteed within the limit of two months of rent.

A guarantee extended to seasonal workers

To benefit from the Visale warranty, private park tenants must meet certain conditions. They must be aged 31 years oldwhether active or students. If they are over 31 years old, they must be employees of a private sector company and their monthly net salary must not exceed 1,500 euros, or be employees of the private sector during trial period, on fixed -term contracts for less Six months, in a position of hiring or professional transfer.

The Visale Guarantee is also open to tenants with a Mobility lease from 1 to 10 months, whatever their age. And it is extended to seasonal workers Since June 2024. compared to a natural person guarantor, “Visale makes rental more accessible in these different types of situation. More and more tenants subscribe to it ”underlines Anne Boucaut. And her “Avoid the owner to take out an unpaid rent guarantee”, Add the real estate agent. Action Housing granted 340,211 Visale guarantees in 2024, an increase of almost 7% compared to the previous year.

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