{"id":17439,"date":"2025-05-12T12:38:03","date_gmt":"2025-05-12T10:38:03","guid":{"rendered":"https:\/\/garantie.be\/belgium-rental-guarantee-options\/"},"modified":"2026-10-01T11:18:58","modified_gmt":"2026-10-01T09:18:58","slug":"belgium-rental-guarantee-options","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/rental-surety\/belgium-rental-guarantee-options\/","title":{"rendered":"Rental guarantee methods in Belgium"},"content":{"rendered":"\n<!-- \u2460 HERO -->\n<section class=\"gb-section\" style=\"padding:56px 24px 48px;\">\n  <div class=\"gb-inner\" style=\"text-align:center;\">\n    <p class=\"gb-eyebrow\">Rental Security Deposit in Belgium<\/p>\n    <h1 class=\"gb-h1\">Types of Rental Guarantees in Belgium<\/h1>\n    <p class=\"gb-lead\" style=\"max-width:620px;margin:0 auto 32px;\">\n  In Belgium, there are five legal forms of rental guarantees. Each has its own rules, advantages, and disadvantages. \n  Understanding the differences will help you choose the solution that best suits your situation.\n    <\/p>\n    <div style=\"display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:32px;\">\n      <a href=\"https:\/\/account.garantie.be\/fr\/register\/lease\/\" style=\"display:inline-block;padding:12px 28px;background:#467FF7;color:white;border-radius:var(--gb-radius);font-weight:600;font-size:0.95rem;text-decoration:none;\">Get My Guarantee Online<\/a>\n<a href=\"https:\/\/garantie.be\/en\/rental-guarantee-online\/\" style=\"display:inline-block;padding:12px 28px;background:transparent;color:#467FF7;border:2px solid #467FF7;border-radius:var(--gb-radius);font-weight:600;font-size:0.95rem;text-decoration:none;\">How It Works<\/a>\n    <\/div>\n    <div class=\"gb-hero-badges\">\n      <div class=\"gb-hero-badge\">\n        <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"><\/path><\/svg>\n        <span>FSMA-Approved<\/span>\n      <\/div>\n      <div class=\"gb-hero-badge\">\n        <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n        <span>100% online<\/span>\n      <\/div>\n      <div class=\"gb-hero-badge\">\n        <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"><\/circle><polyline points=\"12 6 12 12 16 14\"><\/polyline><\/svg>\n        <span>Certificate in 24 hours<\/span>\n      <\/div>\n      <div class=\"gb-hero-badge\">\n        <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"12\" y1=\"1\" x2=\"12\" y2=\"23\"><\/line><path d=\"M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6\"><\/path><\/svg>\n        <span>Without tying up your savings<\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2461 VUE D'ENSEMBLE \u2014 5 formes -->\n<section class=\"gb-section--grey\" style=\"padding:56px 24px;\">\n  <div class=\"gb-inner\">\n    <p class=\"gb-eyebrow\">Complete Overview<\/p>\n    <h2 class=\"gb-h2\" style=\"margin-bottom:8px;\">The 5 Legal Forms of Rental Guarantees<\/h2>\n    <p style=\"color:var(--gb-muted);margin-bottom:36px;font-size:0.95rem;\">\n  Belgian law recognizes five types of rental guarantees, the rules for which vary slightly by region (Brussels, Wallonia, Flanders).\n    <\/p>\n\n    <!-- Carte 1 \u2014 Compte bloqu\u00e9 -->\n    <div class=\"gb-card\" style=\"margin-bottom:16px;padding:28px;\">\n      <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n        <div style=\"flex-shrink:0;width:44px;height:44px;background:var(--gb-blue-light);border-radius:50%;display:flex;align-items:center;justify-content:center;\">\n          <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\"><\/rect><path d=\"M3 9h18M9 21V9\"><\/path><\/svg>\n        <\/div>\n        <div style=\"flex:1;\">\n          <h3 style=\"font-size:1.05rem;font-weight:700;color:var(--gb-text);margin:0 0 8px;\">1. The Frozen Account<\/h3>\n          <p style=\"color:var(--gb-muted);font-size:0.9rem;margin:0 0 12px;\">\n  The tenant deposits the full amount into an escrow account opened in his or her name. The bank issues a certificate to the landlord. \n  The funds remain tied up for the entire term of the lease.\n          <\/p>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap;\">\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#22c55e;margin:0 0 4px;\">\u2713 Benefits<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>The solution most commonly used by homeowners<\/li>\n                <li>Interest Capitalized on Your Savings<\/li>\n              <\/ul>\n            <\/div>\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#ef4444;margin:0 0 4px;\">\u2717 Disadvantages<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>Capital fully frozen for years<\/li>\n                <li>Requires having the money available all at once<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Carte 2 \u2014 Garantie bancaire -->\n    <div class=\"gb-card\" style=\"margin-bottom:16px;padding:28px;\">\n      <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n        <div style=\"flex-shrink:0;width:44px;height:44px;background:var(--gb-blue-light);border-radius:50%;display:flex;align-items:center;justify-content:center;\">\n          <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z\"><\/path><polyline points=\"9 22 9 12 15 12 15 22\"><\/polyline><\/svg>\n        <\/div>\n        <div style=\"flex:1;\">\n          <h3 style=\"font-size:1.05rem;font-weight:700;color:var(--gb-text);margin:0 0 8px;\">2. The Bank Guarantee<\/h3>\n          <p style=\"color:var(--gb-muted);font-size:0.9rem;margin:0 0 12px;\">\n  The bank acts as a guarantor for the tenant, who is not required to set aside funds immediately.\n  The borrower repays the amount in monthly installments over a maximum of 3 years. It works like an interest-free loan. \n          <\/p>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap;\">\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#22c55e;margin:0 0 4px;\">\u2713 Benefits<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>No immediate capital freeze<\/li>\n                <li>Interest-free<\/li>\n              <\/ul>\n            <\/div>\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#ef4444;margin:0 0 4px;\">\u2717 Disadvantages<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>The bank may deny your application based on your profile<\/li>\n                <li>Suspension of payments = immediate repayment required<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Carte 3 \u2014 CPAS -->\n    <div class=\"gb-card\" style=\"margin-bottom:16px;padding:28px;\">\n      <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n        <div style=\"flex-shrink:0;width:44px;height:44px;background:var(--gb-blue-light);border-radius:50%;display:flex;align-items:center;justify-content:center;\">\n          <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M17 21v-2a4 4 0 0 0-4-4H5a4 4 0 0 0-4 4v2\"><\/path><circle cx=\"9\" cy=\"7\" r=\"4\"><\/circle><path d=\"M23 21v-2a4 4 0 0 0-3-3.87\"><\/path><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"><\/path><\/svg>\n        <\/div>\n        <div style=\"flex:1;\">\n          <h3 style=\"font-size:1.05rem;font-weight:700;color:var(--gb-text);margin:0 0 8px;\">3. Coverage through the CPAS<\/h3>\n          <p style=\"color:var(--gb-muted);font-size:0.9rem;margin:0 0 12px;\">\n  The Public Social Services Center provides assistance to people who lack sufficient means.\n  The CPAS acts as a guarantor for the bank or pays the security deposit directly.\n  Reserved for situations of proven financial hardship.\n          <\/p>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap;\">\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#22c55e;margin:0 0 4px;\">\u2713 Benefits<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>Free for beneficiaries<\/li>\n                <li>No equity required<\/li>\n              <\/ul>\n            <\/div>\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#ef4444;margin:0 0 4px;\">\u2717 Disadvantages<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>Strict income and status requirements<\/li>\n                <li>Administrative delays can sometimes be lengthy<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Carte 4 \u2014 Assurance \/ Korfine -->\n    <div class=\"gb-card\" style=\"margin-bottom:16px;padding:28px;\">\n      <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n        <div style=\"flex-shrink:0;width:44px;height:44px;background:var(--gb-blue-light);border-radius:50%;display:flex;align-items:center;justify-content:center;\">\n          <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z\"><\/path><\/svg>\n        <\/div>\n        <div style=\"flex:1;\">\n          <h3 style=\"font-size:1.05rem;font-weight:700;color:var(--gb-text);margin:0 0 8px;\">4. Coverage through an insurance policy (Korfine)<\/h3>\n          <p style=\"color:var(--gb-muted);font-size:0.9rem;margin:0 0 12px;\">\n  The tenant takes out a life insurance policy, the death benefit of which serves as collateral.\n  Korfine is the most widely used product in Belgium for this type.\n  The tenant pays an annual premium indexed to inflation instead of tying up capital.\n          <\/p>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap;\">\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#22c55e;margin:0 0 4px;\">\u2713 Benefits<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>No capital tied up<\/li>\n                <li>Open to all types of candidates<\/li>\n              <\/ul>\n            <\/div>\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#ef4444;margin:0 0 4px;\">\u2717 Disadvantages<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>Annual premium due (net cost over the term)<\/li>\n                <li>Unrecovered Capital at the End of the Lease<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n          <a href=\"https:\/\/garantie.be\/en\/korfine-rental-guarantee\/\" style=\"display:inline-flex;align-items:center;gap:6px;margin-top:14px;font-size:0.85rem;color:var(--gb-blue);font-weight:600;text-decoration:none;\">\n  Learn more about Korfine\n            <svg width=\"12\" height=\"12\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n          <\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <!-- Carte 5 \u2014 Garant -->\n    <div class=\"gb-card\" style=\"padding:28px;\">\n      <div style=\"display:flex;align-items:flex-start;gap:16px;\">\n        <div style=\"flex-shrink:0;width:44px;height:44px;background:var(--gb-blue-light);border-radius:50%;display:flex;align-items:center;justify-content:center;\">\n          <svg width=\"20\" height=\"20\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><path d=\"M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2\"><\/path><circle cx=\"12\" cy=\"7\" r=\"4\"><\/circle><\/svg>\n        <\/div>\n        <div style=\"flex:1;\">\n          <h3 style=\"font-size:1.05rem;font-weight:700;color:var(--gb-text);margin:0 0 8px;\">5. A guarantee backed by a guarantor<\/h3>\n          <p style=\"color:var(--gb-muted);font-size:0.9rem;margin:0 0 12px;\">\n  A third party (a relative or a financial institution) acts as a guarantor for the tenant.\n  The tenant does not set aside any funds\u2014it is the guarantor who agrees to cover any damages.\n          <\/p>\n          <div style=\"display:flex;gap:24px;flex-wrap:wrap;\">\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#22c55e;margin:0 0 4px;\">\u2713 Benefits<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>No capital lock-up<\/li>\n                <li>A quick solution if a guarantor is available<\/li>\n              <\/ul>\n            <\/div>\n            <div>\n              <p style=\"font-size:0.8rem;font-weight:700;color:#ef4444;margin:0 0 4px;\">\u2717 Disadvantages<\/p>\n              <ul style=\"margin:0;padding-left:16px;font-size:0.85rem;color:var(--gb-muted);\">\n                <li>Requires a family member or an institution that is willing to accept<\/li>\n                <li>Few landlords accept this arrangement<\/li>\n              <\/ul>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<!-- \u2462 COMPARATIF garantie.be -->\n<section class=\"gb-section\" style=\"padding:56px 24px;\">\n  <div class=\"gb-inner\">\n    <p class=\"gb-eyebrow\">Why Choose garantie.be<\/p>\n    <h2 class=\"gb-h2\" style=\"margin-bottom:8px;\">The solution that doesn&#8217;t tie up capital<\/h2>\n    <p style=\"color:var(--gb-muted);margin-bottom:32px;font-size:0.95rem;\">\n  garantie.be lets you set up your rental guarantee online, without tying up your funds.\n  Application processed in 10 minutes, certificate issued within 24 business hours, valid in all three regions.\n    <\/p>\n\n    <div class=\"gb-compare-grid\" style=\"margin-bottom:28px;\">\n      <!-- Carte garantie.be \u2014 fond bleu inline pour \u00e9viter bug sp\u00e9cificit\u00e9 CSS -->\n      <div style=\"background:#467FF7;border-radius:var(--gb-radius-lg);padding:28px;\">\n        <div style=\"display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:20px;\">\n          <p style=\"font-size:1rem;font-weight:800;color:white;margin:0;\">garantie.be<\/p>\n          <span class=\"gb-badge\">RECOMMENDED<\/span>\n        <\/div>\n        <ul style=\"list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;\">\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:rgba(255,255,255,0.95);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n            <strong style=\"color:white;\">Without tying up your savings<\/strong>\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:rgba(255,255,255,0.95);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  Certificate within 24 business hours\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:rgba(255,255,255,0.95);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  100% online, application takes 10 minutes\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:rgba(255,255,255,0.95);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  Valid in all 3 regions\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:rgba(255,255,255,0.95);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"white\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  FSMA-Licensed \u2014 Insurance Broker\n          <\/li>\n        <\/ul>\n        <a href=\"https:\/\/account.garantie.be\/fr\/register\/lease\/\" style=\"display:block;text-align:center;margin-top:24px;padding:11px 20px;background:white;color:#467FF7;border-radius:var(--gb-radius);font-weight:600;font-size:0.9rem;text-decoration:none;\">Start my application<\/a>\n      <\/div>\n\n      <!-- Carte compte bloqu\u00e9 -->\n      <div class=\"gb-card\" style=\"padding:28px;\">\n        <p style=\"font-size:1rem;font-weight:800;color:var(--gb-text);margin:0 0 20px;\">Blocked account<\/p>\n        <ul style=\"list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px;\">\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:var(--gb-muted);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#ef4444\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"><\/line><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"><\/line><\/svg>\n  Capital tied up for 2\u20133 years\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:var(--gb-muted);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#ef4444\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"><\/line><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"><\/line><\/svg>\n  Funds Not Immediately Available\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:var(--gb-muted);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#22c55e\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  Capitalized Interest\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:var(--gb-muted);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#22c55e\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><polyline points=\"20 6 9 17 4 12\"><\/polyline><\/svg>\n  Highly popular with homeowners\n          <\/li>\n          <li style=\"display:flex;align-items:center;gap:8px;font-size:0.88rem;color:var(--gb-muted);\">\n            <svg width=\"15\" height=\"15\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#ef4444\" stroke-width=\"2.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\" aria-hidden=\"true\"><line x1=\"18\" y1=\"6\" x2=\"6\" y2=\"18\"><\/line><line x1=\"6\" y1=\"6\" x2=\"18\" y2=\"18\"><\/line><\/svg>\n  Procedures at a Bank Branch\n          <\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/section>\n\n<!-- \u2463 MONTANTS PAR R\u00c9GION -->\n<section class=\"gb-section--grey\" style=\"padding:56px 24px;\">\n  <div class=\"gb-inner\">\n    <p class=\"gb-eyebrow\">Regional Rules<\/p>\n    <h2 class=\"gb-h2\" style=\"margin-bottom:8px;\">How much is it in your region?<\/h2>\n    <p style=\"color:var(--gb-muted);margin-bottom:32px;font-size:0.95rem;\">\n  The maximum allowed amount depends on the region where the rental property is located.\n    <\/p>\n    <div style=\"display:grid;grid-template-columns:repeat(3,1fr);gap:16px;\">\n\n      <div class=\"gb-card\" style=\"padding:24px;text-align:center;\">\n        <p style=\"font-size:0.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gb-muted);margin:0 0 8px;\">Brussels<\/p>\n        <p style=\"font-size:1.6rem;font-weight:800;color:var(--gb-blue);margin:0 0 4px;\">2 months<\/p>\n        <p style=\"font-size:0.82rem;color:var(--gb-muted);margin:0 0 14px;\">rent (excluding utilities)<\/p>\n        <a href=\"https:\/\/garantie.be\/en\/rental-guarantee-brussels\/\" style=\"font-size:0.8rem;color:var(--gb-blue);font-weight:600;text-decoration:none;\">Rules in Brussels \u2192<\/a>\n      <\/div>\n\n      <div class=\"gb-card\" style=\"padding:24px;text-align:center;\">\n        <p style=\"font-size:0.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gb-muted);margin:0 0 8px;\">Wallonia<\/p>\n        <p style=\"font-size:1.6rem;font-weight:800;color:var(--gb-blue);margin:0 0 4px;\">2 months<\/p>\n        <p style=\"font-size:0.82rem;color:var(--gb-muted);margin:0 0 14px;\">rent (excluding utilities)<\/p>\n        <a href=\"https:\/\/garantie.be\/en\/rental-guarantee-wallonia\/\" style=\"font-size:0.8rem;color:var(--gb-blue);font-weight:600;text-decoration:none;\">Rules in Wallonia \u2192<\/a>\n      <\/div>\n\n      <div class=\"gb-card\" style=\"padding:24px;text-align:center;\">\n        <p style=\"font-size:0.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--gb-muted);margin:0 0 8px;\">Flanders<\/p>\n        <p style=\"font-size:1.6rem;font-weight:800;color:var(--gb-blue);margin:0 0 4px;\">3 months<\/p>\n        <p style=\"font-size:0.82rem;color:var(--gb-muted);margin:0 0 14px;\">rent (excluding utilities)<\/p>\n        <a href=\"https:\/\/garantie.be\/en\/rental-guarantee-flanders\/\" style=\"font-size:0.8rem;color:var(--gb-blue);font-weight:600;text-decoration:none;\">Rules in Flanders \u2192<\/a>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2464 FAQ -->\n<section class=\"gb-section\" style=\"padding:56px 24px;\">\n  <div class=\"gb-inner\">\n    <p class=\"gb-eyebrow\">Frequently Asked Questions<\/p>\n    <h2 class=\"gb-h2\" style=\"margin-bottom:36px;\">What Tenants Are Asking For<\/h2>\n\n    <div style=\"display:flex;flex-direction:column;gap:4px;\">\n\n      <div class=\"gb-faq__item\">\n        <div><strong>What is the difference between a rental guarantee and a security deposit?<\/strong><\/div>\n        <div>\n          <p style=\"margin:0;\">These are two terms for the same thing. In Belgium, people use the <em>terms \u201crental guarantee\u201d<\/em> and <em>\u201crental deposit\u201d<\/em> interchangeably. It refers to the amount deposited or guaranteed to cover any damages or unpaid rent at the end of the lease.  <\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"gb-faq__item\">\n        <div><strong>Can I choose not to freeze the funds in the rental guarantee?<\/strong><\/div>\n        <div>\n          <p style=\"margin:0;\">Yes. garantie.be allows you to set up your rental guarantee without tying up your capital: you do not have to pay any locked-in amount, and you receive a certificate recognized by landlords. The CPAS also offers a solution that does not require personal funds for people in precarious situations. The blocked account and Korfine, on the other hand, both require you to tie up capital.   <\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"gb-faq__item\">\n        <div><strong>Can the landlord use the security deposit during the lease term?<\/strong><\/div>\n        <div>\n          <p style=\"margin:0;\">No. The rental guarantee remains frozen for the entire duration of the rental lease. The landlord may only access it at the end of the lease, and only with your consent or following a court order. It cannot be used to cover current rent payments.   <\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"gb-faq__item\">\n        <div><strong>Do landlords accept all forms of security deposits?<\/strong><\/div>\n        <div>\n          <p style=\"margin:0;\">In principle, yes\u2014Belgian law does not allow a landlord to refuse a legal form of security deposit. In practice, the escrow account and the insurance-based security deposit (Korfine) are the best-known options. The garantie.be certificate is recognized and accepted by landlords and real estate agencies.  <\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"gb-faq__item\">\n        <div><strong>How do I get my security deposit back at the end of the lease?<\/strong><\/div>\n        <div>\n          <p style=\"margin:0;\">When the keys are handed over, the landlord and tenant sign a move-out agreement. If the property is in good condition and all rent payments are up to date, the security deposit is refunded in full. In the event of a dispute, the move-out process is handled by the justice of the peace. With garantie.be, you can also complete the process online.   <\/p>\n        <\/div>\n      <\/div>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2465 MAILLAGE INTERNE -->\n<section class=\"gb-section--grey\" style=\"padding:48px 24px;\">\n  <div class=\"gb-inner\">\n    <h2 class=\"gb-h2\" style=\"margin-bottom:8px;font-size:1.15rem;\">Learn More<\/h2>\n    <p style=\"color:var(--gb-muted);font-size:0.9rem;margin-bottom:24px;\">Detailed information by region and profile<\/p>\n    <div style=\"display:flex;flex-direction:column;gap:8px;\">\n  \n      <a href=\"https:\/\/garantie.be\/en\/students\/\" style=\"display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:#fff;border-radius:var(--gb-radius);border:1px solid var(--gb-border);text-decoration:none;color:var(--gb-text);font-size:14px;font-weight:500;\">\n        <span>Rental Guarantee for Students<\/span>\n        <svg width=\"16\" height=\"16\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n      <\/a>\n\n      <a href=\"https:\/\/garantie.be\/en\/expats\/\" style=\"display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:#fff;border-radius:var(--gb-radius);border:1px solid var(--gb-border);text-decoration:none;color:var(--gb-text);font-size:14px;font-weight:500;\">\n        <span>Rental Guarantee for Expats<\/span>\n        <svg width=\"16\" height=\"16\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n      <\/a>\n\n      <a href=\"https:\/\/garantie.be\/en\/european-civil-servants\/\" style=\"display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:#fff;border-radius:var(--gb-radius);border:1px solid var(--gb-border);text-decoration:none;color:var(--gb-text);font-size:14px;font-weight:500;\">\n        <span>Rental Guarantee for European Civil Servants<\/span>\n        <svg width=\"16\" height=\"16\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n      <\/a>\n\n      <a href=\"https:\/\/garantie.be\/en\/rental-guarantee-online\/\" style=\"display:flex;align-items:center;justify-content:space-between;padding:14px 18px;background:#fff;border-radius:var(--gb-radius);border:1px solid var(--gb-border);text-decoration:none;color:var(--gb-text);font-size:14px;font-weight:500;\">\n        <span>How does garantie.be work?<\/span>\n        <svg width=\"16\" height=\"16\" fill=\"none\" stroke=\"var(--gb-blue)\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"><\/line><polyline points=\"12 5 19 12 12 19\"><\/polyline><\/svg>\n      <\/a>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<!-- \u2466 CTA FINAL -->\n<section style=\"background:var(--gb-blue);padding:56px 24px;text-align:center;\">\n  <div class=\"gb-inner\">\n    <h2 style=\"font-size:1.35rem;font-weight:700;color:white;margin:0 0 10px;\">Ready to set up your rental guarantee?<\/h2>\n    <p style=\"color:rgba(255,255,255,0.85);font-size:0.95rem;margin:0 0 28px;max-width:480px;margin-left:auto;margin-right:auto;\">\n  100% online application, certificate issued within 24 hours, valid in all three Belgian regions.\n    <\/p>\n    <a href=\"https:\/\/account.garantie.be\/fr\/register\/lease\/\" style=\"display:inline-block;padding:11px 28px;background:white;color:var(--gb-blue);border-radius:var(--gb-radius);font-weight:600;font-size:0.95rem;text-decoration:none;\">\n  Start my application\n    <\/a>\n  <\/div>\n<\/section>\n\n<!-- \u2467 SCHEMA JSON-LD FAQPage -->\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelle est la diff\u00e9rence entre garantie locative et caution locative ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Ce sont deux termes pour la m\u00eame chose. En Belgique, on parle indiff\u00e9remment de garantie locative ou de caution locative. Il s'agit du montant d\u00e9pos\u00e9 ou garanti pour couvrir d'\u00e9ventuels dommages ou loyers impay\u00e9s \u00e0 la fin du bail.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je ne pas bloquer les fonds de la garantie locative ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. garantie.be vous permet de constituer votre garantie locative sans immobiliser votre capital : vous ne versez aucun montant bloqu\u00e9, et obtenez une attestation reconnue par les propri\u00e9taires. Le CPAS propose \u00e9galement une solution sans fonds propres pour les personnes en situation de pr\u00e9carit\u00e9. Le compte bloqu\u00e9 et Korfine, en revanche, exigent tous les deux l'immobilisation d'un capital.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le propri\u00e9taire peut-il utiliser la garantie pendant le bail ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Non. La garantie locative reste bloqu\u00e9e pendant toute la dur\u00e9e du bail. Le propri\u00e9taire ne peut y faire appel qu'\u00e0 la fin du contrat, et uniquement avec votre accord ou apr\u00e8s une d\u00e9cision judiciaire. Elle ne peut pas servir \u00e0 couvrir des loyers courants.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Toutes les formes de garantie sont-elles accept\u00e9es par les propri\u00e9taires ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"En principe oui \u2014 la loi belge n'autorise pas un propri\u00e9taire \u00e0 refuser une forme l\u00e9gale de garantie. En pratique, le compte bloqu\u00e9 et la garantie via assurance (Korfine) sont les formes les mieux connues. L'attestation garantie.be est reconnue et accept\u00e9e par les propri\u00e9taires et les agences.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment r\u00e9cup\u00e9rer ma garantie \u00e0 la fin du bail ?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"\u00c0 la remise des cl\u00e9s, propri\u00e9taire et locataire signent un accord de lib\u00e9ration. Si le logement est en bon \u00e9tat et les loyers \u00e0 jour, la garantie est restitu\u00e9e int\u00e9gralement. En cas de d\u00e9saccord, la lib\u00e9ration passe par le juge de paix. Avec garantie.be, la cl\u00f4ture du dossier se g\u00e8re \u00e9galement en ligne.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Rental Security Deposit in Belgium Types of Rental Guarantees in Belgium In Belgium, there are five legal forms of rental guarantees. Each has its own rules, advantages, and disadvantages. Understanding the differences will help you choose the solution that best suits your situation. Get My Guarantee Online How It Works FSMA-Approved 100% online Certificate in [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2219,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-17439","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Rental guarantee methods in Belgium<\/title>\n<meta name=\"description\" content=\"Discover the different ways to set up a rental guarantee in Belgium\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/garantie.be\/en\/rental-surety\/belgium-rental-guarantee-options\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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