{"id":2219,"date":"2021-02-01T10:54:36","date_gmt":"2021-02-01T09:54:36","guid":{"rendered":"https:\/\/garantie.be\/home\/"},"modified":"2026-09-24T10:22:21","modified_gmt":"2026-09-24T08:22:21","slug":"rental-surety","status":"publish","type":"page","link":"https:\/\/garantie.be\/en\/rental-surety\/","title":{"rendered":"Learn How the Rental Guarantee Works in Belgium"},"content":{"rendered":"\n\n
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Complete Guide<\/p>\n

The rental guaranteein Belgium<\/span><\/h1>\n

Definition, legal amounts by region, types of rental guarantees, how they work, and coverage: everything you need to know before signing a rental lease<\/a> in Belgium.<\/p>\n

\n Get My Warranty Online <\/line><\/polyline><\/svg><\/a>\n Contact Us<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Definition<\/p>\n

What is the rental guarantee?<\/h2>\n

A rental guarantee is a form of financial security provided by the tenant to the landlord at the time the rental lease<\/a> is signed. It allows the landlord to protect against any potential breaches of the tenant\u2019s contractual obligations. <\/p>\n\n

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For the landlord \u2192<\/a><\/div>\n
Financial protection in the event of unpaid rent, unpaid utility bills, or rental property damage discovered at the end of the rental lease.<\/div>\n <\/div>\n <\/div>\n\n
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For the tenant \u2192<\/a><\/div>\n
A legal requirement that must be fulfilled before signing the lease, available in several forms depending on one’s financial situation.<\/div>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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Regional Legislation<\/p>\n

What is the maximum amount of the rental guarantee?<\/h2>\n

Since 2018\u20132019, each Belgian region has had its own legislation governing rental leases. The maximum amount of the rental guarantee varies depending on the region where the rental property is located. <\/p>\n\n

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Brussels-Capital<\/div>\n
2 months<\/div>\n
maximum rent<\/div>\n Learn more \u2192<\/a>\n <\/div>\n\n
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Wallonia<\/div>\n
2 months<\/div>\n
maximum rent<\/div>\n Learn more \u2192<\/a>\n <\/div>\n\n
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Flanders<\/div>\n
3 months<\/div>\n
maximum rent (since 2020)<\/div>\n Learn more \u2192<\/a>\n <\/div>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n
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The 5 Legal Forms<\/p>\n

What types of rental guarantees are there in Belgium?<\/h2>\n

Belgian law allows for five ways to provide a rental guarantee. Each has different advantages and limitations depending on the tenant’s situation. <\/p>\n\n

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\n Frozen bank account<\/a>\n
The most common<\/div>\n <\/div>\n

The tenant deposits the rental guarantee into an escrow account, which can only be accessed at the end of the rental lease or by court order. The funds remain frozen for the entire duration of the rental lease. <\/p>\n <\/div>\n\n

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\n Bank guarantee<\/a>\n <\/div>\n

The bank acts as a guarantor for the tenant, who repays the amount gradually over a maximum period of 3 years. Requires the bank’s approval and an account opened in Belgium. <\/p>\n <\/div>\n\n

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\n Bank guarantee through the CPAS<\/a>\n <\/div>\n

Intended for tenants who lack sufficient income, this program allows the CPAS to act as a guarantor with a bank to facilitate access to housing.<\/p>\n <\/div>\n\n

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\n Korfine Warranty<\/a>\n <\/div>\n

The tenant takes out a life insurance policy in which the funds paid as a security deposit earn interest until the end of the lease. This is a little-known option that combines savings with a guarantee. <\/p>\n <\/div>\n\n

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\n Joint and several guarantee<\/a>\n
garantie.be<\/div>\n <\/div>\n

A relative or an accredited professional organization, such as garantie.be<\/a>, acts as a guarantor for the tenant in exchange for an annual fee, with no upfront deposit required. This is the most flexible solution for the tenant. See also our comparison with e-DEPO<\/a>. <\/p>\n <\/div>\n\n <\/div>\n\n

\n For a detailed analysis of each option: the different types of rental guarantees in Belgium \u2192<\/a> \u00b7 garantie-locative.net blog \u2192<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n\n
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How It Works<\/p>\n

How does the rental guarantee work?<\/h2>\n\n
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Constitution<\/div>\n
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The tenant must provide security before signing the lease. Depending on the method chosen, the tenant may make a security deposit<\/a> in a bank, obtain a bank guarantee, or take out a joint and several guarantee from an organization such as garantie.be. <\/p>\n

Once the security deposit has been established, a certificate or confirmation is issued and sent to the landlord. With the online rental guarantee service<\/a> at garantie.be, you can obtain this certificate in just a few hours. <\/p>\n <\/div>\n <\/div>\n\n

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Use by the Lessor<\/div>\n
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Escrowed or secured funds cover the tenant\u2019s financial obligations under the rental lease that the tenant has failed to meet: unpaid rent, rental charges, and damage noted in the inventory report. To obtain these funds, the landlord must first file a lawsuit and have the judgment made enforceable. <\/p>\n <\/div>\n <\/div>\n\n

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What the Warranty Covers<\/div>\n
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The scope of the security deposit depends on the wording of the lease. If the lease states that the security deposit covers all of the<\/strong> tenant\u2019s obligations<\/strong>, the landlord may use it to cover unpaid rent, utilities, and rental damage. If the rental lease limits the rental<\/strong> guarantee to rental damage only<\/strong>, it cannot be used to cover unpaid rent. <\/p>\n <\/div>\n <\/div>\n\n

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When should the rental guarantee be paid?<\/div>\n
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The rental guarantee must be secured before signing the rental lease, along with the other required documents. If you use a blocked bank account, you should allow several days for the transfer to be processed. With garantie.be<\/a>, the certificate is available within a few hours. <\/p>\n <\/div>\n <\/div>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Available Financial Aid<\/p>\n

What assistance is available to help establish a rental guarantee?<\/h2>\n

There are several assistance programs in Belgium for tenants whose financial resources are insufficient to cover their security deposit on their own.<\/p>\n\n

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Brussels-Capital \u2192<\/a><\/div>\n

The Housing Fund and the Brugal Fund offer specific assistance to low-income tenants in Brussels.<\/p>\n <\/div>\n

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CPAS<\/div>\n

The CPAS<\/a> can act as a guarantor for a bank to enable a tenant who lacks sufficient resources to obtain a bank guarantee.<\/p>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n\n

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Get your rental guarantee without tying up any money<\/h2>\n

Garantie.be offers a joint and several guarantee in accordance with Belgian law. You\u2019ll receive a response within a few hours, and the certificate will be sent directly to your landlord. <\/p>\n

\n Apply online <\/line><\/polyline><\/svg><\/a>\n Learn more<\/a>\n <\/div>\n <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Complete Guide The rental guaranteein Belgium Definition, legal amounts by region, types of rental guarantees, how they work, and coverage: everything you need to know before signing a rental lease in Belgium. Get My Warranty Online Contact Us Definition What is the rental guarantee? A rental guarantee is a form of financial security provided by […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-2219","page","type-page","status-publish","hentry"],"yoast_head":"\nRental guarantee | Online form<\/title>\n<meta name=\"description\" content=\"Discover all the options for easily obtaining a rental guarantee in Belgium. 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