[:en]In times of economic prosperity, before the crisis broke out, landlords of rental properties asked their tenants for bank guarantees or exorbitant deposits to ensure, in the event of non-payment, the collection of unpaid monthly payments. Nowadays, with the worsening economic situation, it is unthinkable to ask for measures like these, since tenants are reluctant and perceive it as an impediment when renting a property, which causes them to opt for properties that do not require so many financial guarantees. So, what can landlords do to ensure the collection of those bills that, for whatever reason, the tenant has stopped paying? There are various mechanisms and tools to ensure the landlord that, whatever happens, he will collect the unpaid monthly payments.
The first step, obviously, is to apply preventive measures to try to avoid late payments. These measures will be applied from the beginning, in the selection of tenants, ensuring, as far as possible, their solvency and financial reliability. There are databases that can be accessed to obtain a detailed profile of the future tenant and check if they appear on lists of late payers, for example. The documentation presented, employment contracts and pay slips should also be checked, authenticating them whenever necessary.
Once the financial viability of the future tenants has been verified, various financial resources can be requested at the time of formalizing the contract as a guarantee. It is common to ask for a deposit of two months' rent in order to be able to cover small non-payments. Additional deposits or bank guarantees can also be requested, but as we have already mentioned, these measures greatly increase the expenses of those who opt to rent and are therefore not very well received.
A very complete and effective measure to guarantee the collection of rents is insurance against non-payment. These allow owners to collect unpaid amounts and can also cover possible damages caused by former tenants of the property. They also usually include legal defense in case it is necessary to proceed with a judicial eviction. Another advantage of these insurances is that they also serve as a filter for choosing a tenant, since before formalizing the contract the insurance company, or the real estate agency, carries out a feasibility study of the future tenants.
Of all the measures to guarantee the collection of rents, insurance is the one that is gaining the most followers among landlords. The non-payment policy is one of the most demanded guarantees and the one that has grown the most in recent years, according to data from the Spanish Observatory of Rental Insurance (OESA).
Thus, today, there are sufficient measures to ensure the payment of unpaid installments and ensure that owners can rent their properties with guarantees and with maximum peace of mind.[:ca]In times of economic bonança, abans d'esclatar crisis, the owners of apartments in travelers demand bank guarantees or excessive fiances to their brokers to ensure, in case of non-payment, the collection of the monthly payments not paid. Nowadays, amid the aggravation of the economic situation, it is unthinkable to demand measures like these, since the buyers are reluctant and perceive it as an impediment when it comes to obtaining a property, which makes it difficult to decant per habitats that do not require so many economic guarantee requirements. So, how can the owners ensure that they collect those fees that, for the reason that followed, the broker has failed to pay? There are various mechanisms and mechanisms to ensure the owner that, no matter what happens, he will collect the unpaid monthly fees.
The first step, obviously, is to apply preventive measures to try to avoid default. These measures have to be applied from a good start in the selection of drivers, assuring us, to the extent possible, the security and economic reliability. There are data bases that can be accessed to obtain a detailed profile of the driver and check if he appears on the default lists, for example. You must also verify the documentation presented, with the work contracts and payrolls, authenticating them as always necessary.
Once the financial viability of future contractors has been confirmed, various financial resources may be required at the time of formalizing the contract. Demanding a deposit of two monthly payments is common to be able to deal with unpaid requests. It is also possible to require complementary diplomas or bank guarantees, but as we have commented, these measures increase the amount of those who opt for the convertible and therefore are not very important.
A very complete and effective measure of guarantee of collection of the returns, are the assurances for non-payment. These allow the owners to collect the unpaid amounts and can also cover the possible disasters carried out by the antics of the habitation. They also usually include legal defense in cases where it is necessary to proceed to judicial denonament. Another advantage of these insurance companies is that they also serve as a filter for finding drivers, since after formalizing the contract, the insurance company, or the real estate company, carries out a feasibility study of the future drivers.
Among all the measures to guarantee the collection of rents, the insurance policy is the one that is most popular among the owners. The non-payment policy is one of the most demanded guarantees and the one that has grown the most in recent years, according to data from the Spanish Observatori de l'Assegurança del Lloguer (OESA for the six centuries in Spanish).
Here, today, there are sufficient measures to ensure the payment of unpaid quotes and, in this way, the owners of the properties can obtain both guarantees and maximum peace of mind.[:]
