Practical Guide
Timeframe for obtaining a rental guarantee
in Belgium
The processing time ranges from a few hours to several weeks, depending on the type of rental guarantee you choose. Here is a comprehensive comparison to help you avoid any unpleasant surprises before signing the rental lease.
Overview
Timeframes by Type of Rental Guarantee
In Belgium, there are five types of rental guarantees available. The processing times vary widely depending on the provider and how digitized the process is.
Detail
Why do these timeframes vary so much?
Our teams process the form within the same day—sometimes within minutes during business hours. Once payment is confirmed, the certificate is sent directly to the landlord. No bank transfers, no administrative processing delays. Learn more about the process →
After the file is created on MyMinfin, the transfer must be received and processed by the FPS Finance (1 to 4 business days). Common errors (incorrect structured message, inactive eID) can extend this timeframe to several weeks.
The application can often be initiated online, but manual approval by a bank representative is generally required. The processing time also depends on branch availability and each bank’s internal processing speed.
The guarantor must provide their own supporting documents (proof of income, identification) and sign a formal agreement. The processing time varies depending on how quickly the guarantor responds and the landlord’s requirements regarding the form of the security deposit.
The bank must review a complete application, including proof of income and evidence of the tenant’s ability to repay the amount over three years. This process involves an in-person appointment at a branch and an internal review period.
To remember
When should you set up a rental guarantee?
The rental guarantee must be provided before the rental lease is signed. If you don’t have it ready in time, it may delay your move-in date.
If you choose a banking solution (escrow account or bank guarantee), begin the process at least 2 weeks before the scheduled signing date.
If the signing date is approaching and you don’t yet have a guarantee, garantie.be is the only solution that can provide an official certificate within a few hours—even the same day if necessary.
Need your warranty quickly?
Garantie.be is the fastest solution in Belgium. You’ll receive a response within a few hours, and the certificate is sent directly to your landlord—with no funds held in escrow.