{"id":16937,"date":"2025-04-12T16:31:48","date_gmt":"2025-04-12T14:31:48","guid":{"rendered":"https:\/\/garantie.be\/myminfin-edepo-garantie-be-en\/"},"modified":"2026-09-24T11:07:05","modified_gmt":"2026-09-24T09:07:05","slug":"myminfin-edepo-garantie-be-en","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/rental-guarantee-e-depo\/myminfin-edepo-garantie-be-en\/","title":{"rendered":"MyMinfin e-DEPO or Garantie.be: advantages and disadvantages"},"content":{"rendered":"\n\n
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Comparison<\/p>\n

e-DEPO, MyMinfin, or garantie.be: Pros and Cons<\/span><\/h1>\n

Two legal options for setting up your rental guarantee<\/a> in Belgium. Here\u2019s a comprehensive comparison to help you make the right choice based on your situation.<\/p>\n

\n Choose garantie.be <\/line><\/polyline><\/svg><\/a>\n Go to MyMinfin<\/a>\n <\/div> \n <\/div>\n<\/div>\n\n\n
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Principle<\/p>\n

How do the two solutions work?<\/h2>\n
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e-DEPO on MyMinfin<\/p>\n

The tenant sets aside a sum of money (2 to 3 months’ rent, depending on the region) in an account managed by the Belgian government via e-DEPO<\/a>. The money remains inaccessible until the end of the lease.<\/p>\n

Example for \u20ac800\/month:<\/div>\n
\u20ac1,600 set aside<\/div>\n
for the entire duration of the lease<\/div>\n <\/div>\n
\n RECOMMENDED<\/span>\n

garantie.be<\/p>\n

The tenant does not pay any money upfront. Garantie.be acts as a joint guarantor<\/a> for the tenant with the landlord. The tenant pays an annual premium for the guarantee service.<\/p>\n

Example for \u20ac800\/month:<\/div>\n
\u20ac96\/year<\/div>\n
no funds held in escrow<\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Detailed Comparison<\/p>\n

e-DEPO vs. garantie.be: criterion by criterion<\/h2>\n\n
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Criterion<\/div>\n
e-DEPO MyMinfin<\/div>\n
garantie.be<\/div>\n <\/div>\n\n \n
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Cost<\/div>\n
\n <\/polyline><\/svg>Free\n <\/div>\n
\n <\/line><\/line><\/svg>At least \u20ac96 per year\n <\/div> \n <\/div>\n\n \n
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Tied-up Funds<\/div>\n
\n <\/line><\/line><\/svg>2 to 3 months’ rent tied up\n <\/div>\n
\n <\/polyline><\/svg>No funds tied up\n <\/div> \n <\/div>\n\n \n
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Belgian eID required<\/div>\n
\n <\/line><\/line><\/svg>Yes (required)\n <\/div>\n
\n <\/polyline><\/svg>Not required\n <\/div> \n <\/div>\n\n \n
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Processing Time<\/div>\n
\n <\/line><\/line><\/svg>1 to 7 days (bank transfer)\n <\/div>\n
\n <\/polyline><\/svg>A few hours\n <\/div> \n <\/div>\n\n \n
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Complexity<\/div>\n
\n <\/line><\/line><\/svg>Technical Procedure (Common Mistakes)\n <\/div>\n
\n <\/polyline><\/svg>Simple form, 5 min\n <\/div> \n <\/div>\n\n \n
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Landlord Approval<\/div>\n
\n <\/polyline><\/svg>\n <\/div>\n
\n <\/polyline><\/svg>Very good\n <\/div> \n <\/div>\n\n \n
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End of Lease<\/div>\n
\n <\/line><\/line><\/svg>Termination Procedure (Agreement Between Both Parties)\n <\/div>\n
\n <\/polyline><\/svg>Simple termination, without any procedure\n <\/div> \n <\/div>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Our Recommendation<\/p>\n

Which solution should you choose based on your situation?<\/h2>\n\n
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Choose e-DEPO<\/strong> if:<\/div>\n