SmartCaution, the rent guarantee without a bank deposit:
simple, reliable, economic
The rent guarantee without a bank deposit is an alternative to a bank deposit. It prevents tenants from having to tie up 3 months rent in a bank during their lease. If you opt for this solution, SmartCaution will act as a your guarantor for your lessor if you pay the annual premium for the duration of your lease.
HAVE YOU FOUND A HOME TO RENT?
Congratulations, you’ve found a rental property in Switzerland! Before you move into your new house, flat or studio, you’ll need to sign a rental contract, or lease. This contract is signed with the landlord, whether you are a single tenant or with other co-tenants. Simplify your move into your new rental with our service.
THE RENTAL GUARANTEE IS REQUIRED BY THE LANDLORD
To draw up the lease for your future home, the landlord will generally ask you for a certificate of civil liability insurance, as well as a rent guarantee, also known as a rental guarantee deposit. With these elements – contract, deposit and guarantee – the relationship between tenant and landlord will be greatly simplified and secured.
PREVIOUSLY, ONLY BANK DEPOSITS WERE ACCEPTED
Historically, the tenant’s rental guarantee was required in the form of a deposit (called a rental guarantee deposit), generally in an amount equal to three monthly rents in CHF, in a bank chosen by the landlord or left to the tenant’s choice. In short, it was a rental guarantee where the tenant’s money was blocked (with low or even zero interest) for the duration of the lease. The rental guarantee certificate was issued by the bank.
HOW DID THE CHANGE COME ABOUT?
Seeing the inconvenience for tenants of having to block a large sum of money in a bank account, sometimes even having to take out a small loan or consumer credit to do so, Bernard Blanc came up with the first rent guarantee insurance in 1991 and launched his rent guarantee company. Since then, several rental guarantee insurances, including SmartCaution, have been launched in Switzerland.
THOUSANDS OF TENANTS TRUST SMARTCAUTION
Since its creation in 2007, SmartCaution SA has supported tens of thousands of individuals and companies in their real estate projects, giving them access to a quality rental guarantee, without the need for a bank deposit, assuring a low annual premium. The company provides deposit certificates for the apartment, studio, or house chosen by the tenants. Thanks to SmartCaution, you no longer have to dip into your savings or take out a loan to pay the 3 months’ rent as a guarantee.
SMARTCAUTION IS PRESENT THROUGHOUT SWITZERLAND
Today, numerous real estate agencies and landlords from Geneva to Zurich and throughout Switzerland choose and trust SmartCaution rent guarantees. They appreciate us not only for our low premiums, but also for the professional advice and services we provide to their tenants and themselves.
FREE OFFER AND IMMEDIATE ONLINE REGISTRATION
Fill in our registration form and make your payment directly to obtain your guarantee certificate online. Several payment methods are available, and you can subscribe for the current year, with an option for an additional year at a preferential rate! We’ll send you your bond certificate within 24 hours. You can also request a no-obligation quotation. Our written offers provide you with all the information you need and are accompanied by a payment slip.
SIGN YOUR LEASE AND MOVE IN WITH YOUR SMARTCAUTION CERTIFICATE
As soon as you receive your SmartCaution certificate, you can sign your lease and organize your move! SmartCaution’s rental deposit insurance simplifies the administrative process, from the creation of your rental file to the termination of your lease. Obtaining a rental deposit contract has never been easier!
SMARTCAUTION. IT’S SIMPLE, RELIABLE, AND ECONOMICAL.
In short, the SmartCaution rental guarantee is a simple, reliable and cost-effective solution that saves Swiss tenants from having to deposit a sum equivalent to 3 monthly rents in an escrow account (with virtually no interest). When you opt for this bonding solution, SmartCaution acts as guarantor in your place towards the lessor (in the event of damage to the leased property). The service is based on a low annual premium, based on the amount of the guarantee in Swiss francs, for the duration of your lease.
BEWARE OF COMPARISON WEBSITES
To compare rental guarantee insurance and rental deposit insurance products, our advice is to beware of Swiss rental deposit comparators, which can provide erroneous information and a truncated view for purely commercial purposes. Don’t hesitate to ask for several offers. You’ll see that SmartCaution has some of the lowest premiums on the market!
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