Je n'ai pas l'argent pour payer la caution. Que puis-je faire ?

Vous avez plusieurs options. Un organisme comme garantie.be se porte garant à votre place sans immobiliser le capital. Le CPAS de votre commune peut avancer la garantie ou émettre une lettre de caution. Un prêt sans intérêt peut aussi être accordé sous conditions de revenus.

Comment récupérer ma garantie locative à la fin du bail ?

À la fin du bail, le propriétaire doit vous restituer la garantie dans un délai raisonnable après l'état des lieux de sortie. Si des dommages ont été constatés, il peut prélever les frais de réparation, mais uniquement à hauteur des dommages prouvés et imputables au locataire. En cas de désaccord, la procédure passe par le juge de paix.

Le propriétaire peut-il utiliser la caution pendant le bail ?

Non. La garantie locative est bloquée pendant toute la durée du bail. Le propriétaire ne peut y avoir accès qu'après la fin du contrat et uniquement en cas de dommages prouvés ou de loyers impayés. Il ne peut pas l'utiliser de manière préventive ou unilatérale sans votre accord ou une décision judiciaire.

La garantie locative couvre-t-elle les loyers impayés ?

Oui, la garantie locative peut couvrir à la fois les dommages locatifs et les loyers impayés. Le propriétaire peut demander l'utilisation de la garantie pour tout manquement du locataire à ses obligations : loyers en retard, frais de remise en état, charges impayées.

Combien de temps faut-il pour obtenir une attestation de garantie via garantie.be ?

Le dossier se complète en ligne en quelques minutes. Une fois votre demande soumise, l'analyse est réalisée dans les heures qui suivent. Vous recevez votre attestation de garantie par e-mail, prête à être transmise à votre propriétaire. Pas besoin de vous déplacer en agence.

Wallonia

Rental Guarantees in Wallonia: Rules, Amounts, and Solutions

In Wallonia, the rental guarantee has been governed by the Walloon Code on Housing and Sustainable Housing since 2018. Set up your guarantee in just a few hours, without tying up your savings.

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Regulations

The Walloon Housing Code

Since 2018, the rules governing rental leases have been regionalized in Belgium. In the Walloon Region, the Walloon Code on Housing and Sustainable Living governs rental lease agreements, including the conditions for establishing a rental guarantee.

Unlike Brussels, where all forms of security deposits are capped at two months, Wallonia sets different amounts depending on the type of deposit chosen. It is important to be familiar with these rules before signing a lease in Wallonia.

Statutory Amounts in Wallonia

Guarantee through an organization or escrow account: up to 2 months’ rent.
Bank guarantee: up to 3 months’ rent, subject to agreement with the bank.

Process

How to Set Up Your Rental Guarantee?

Setting up your rental guarantee involves three simple steps, from searching for a place to live to receiving the keys.

1

Find a Place to Live

You find a place to live in Wallonia and sign a rental lease. The landlord asks you for a rental guarantee, usually two months’ rent, either through a third-party agency or a blocked account.

2

Provide collateral

You can create your application on garantie.be in just a few minutes. Your request is reviewed, and you’ll receive a guarantee certificate within a few hours, without having to pay any money up front.

3

Receive the keys

You should submit the certificate to your landlord. This fulfills the guarantee requirement, and you can move into your new home in Wallonia.

Social Assistance

Financial Assistance Available in Wallonia for Rental Guarantees

If you cannot afford to provide the rental guarantee yourself, there are several public assistance programs available in the Walloon Region.

Interest-free loan

Since May 2021, Wallonia has been offering an interest-free loan covering up to 100% of the rental guarantee amount, subject to income requirements. Repayment is made in installments once the tenant has moved into the rental unit.

CPAS

Your local CPAS can assist in three ways: by providing an advance against a guarantee, issuing a letter of guarantee (a commitment to pay in the event of damage), or providing a bank guarantee. Contact the CPAS in your Walloon municipality.

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Walloon Housing Fund

The Wallonia Housing Fund offers solutions tailored to low-income households, including social mortgage loans. For rental guarantees, contact your local office to find out what assistance is available for your situation.

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Comparison

Why choose garantie.be?

There are several options available to you for setting up your rental guarantee in Wallonia. Here are the main differences.

RECOMMENDED

garantie.be

Rental Guarantee Through an Agency — Without Tying Up Your Capital

Without tying up your capital—your savings remain available
100% online—from the comfort of your home, in just a few minutes
Certificate issued within a few hours
Valid throughout Wallonia — recognized by property owners

Frozen bank account

The traditional solution — ties up your money for the entire term of the lease

Accepted by all property owners
Capital is tied up for the entire term of the lease
Requires having savings available at the time the lease is signed
Low returns — virtually no interest

FAQ

Practical Questions About the Rental Guarantee

I don’t have the money to pay the security deposit. What can I do?

You have several options. You can go through an organization like garantie.be, which acts as your guarantor without requiring you to tie up your capital. Alternatively, the CPAS in your municipality can provide the guarantee or issue a letter of guarantee. An interest-free loan may also be granted, subject to income requirements. In any case, don’t let a lack of cash prevent you from renting—solutions are available.

How do I get my rental guarantee back at the end of the rental lease?

At the end of the lease, the landlord must return your security deposit within a reasonable time—usually a few weeks after the inventory report. If any damage is found, the landlord may deduct the cost of repairs from the security deposit, but only up to the amount of the proven damage attributable to the tenant. In the event of a dispute, the matter is referred to the justice of the peace. If you set up your security deposit through garantie.be, the refund is handled directly between the landlord and the organization.

Can the landlord use the security deposit during the lease?

No. The rental guarantee is held in escrow for the entire duration of the rental lease. The landlord may access it only after the rental lease ends and only in the event of proven damage or unpaid rent. The landlord may not use the rental guarantee as a preventive measure or unilaterally without your consent or a court order.

Does the rental guarantee cover unpaid rent?

Yes, a rental guarantee can cover both property damage and unpaid rent. In practice, the landlord can request that the guarantee be used for any breach of the tenant’s obligations: late rent payments, repair costs, or unpaid utilities. That is why it is important never to exceed the legal limit when setting up the guarantee.

How long does it take to obtain a warranty certificate through garantie.be?

You can complete the application online in just a few minutes. Once your application is submitted, it will be reviewed within a few hours. You’ll receive your security deposit certificate by email, ready to be sent to your landlord. No need to visit a branch or wait several days—perfect when you’ve just signed a lease and need to provide the security deposit quickly.

Useful pages on garantie.be

Rental Security Deposits in Belgium — A Complete Guide Rental Guarantee in Brussels-Capital Rental Guarantee in Flanders Compare all rental guarantee options Tenant’s Guide in Belgium

Set up your rental guarantee in Wallonia in just a few hours

Without tying up your savings. 100% online. Fast certification recognized by Walloon landlords.

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