Rent with guarantor already lost to safe and high-trait
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Carolina Dallolio
Fewer and fewer used, the guarantee as security for payment represented 45.8% of the contracts in March. Since the financial options were 54%. For the tenant, the drawback is the cost, yet high, but you can negotiate
Use a guarantor to guarantee a lease is no longer as common as in the past. The monthly surveys conducted by the Regional Board of Realtors (SP-growing) show that, in the capital, the high-trait anxiety, and especially the bond insurance have been increasing their preference of owners and tenants (see table).
"The rental market is becoming more professional," said Fábio Rossi Filho, director of Secovi-SP (Housing Union). "It is therefore natural that, instead of relying on the endorsement of a friend or relative, renters and homeowners seeking financial products such as insurance, as a guarantee of payment of rent."
José Roberto Graiche, president of the Brazilian Association of Real Estate Management Company (AABIC), explains that, by the owners, the preferred type of warranty is the insurance bond. "He brings a headache," sums. In this case, the owner of the property does not need to assess the financial situation of the tenant and not check the data of the guarantor. The operator that will make the insurance will be responsible for pay the rent if the tenant becomes delinquent. It is the safest option.
Since the point of view of the tenant, is not so simple to choose which is the guarantee that best meets your needs. First, there are cases where even he has no choice: the owner of the property may require the hiring of an insurance bond.
But if there are alternatives and he wants to save, the guarantor remains the cheapest option. In this case, there is no charge. However, as in Sao Paulo many of the tenants come from other cities to study or work, and do not know anyone in the capital, the guarantor may also not be a viable alternative.
In this case, the check-guarantee also does not cost to the tenant - after all, it would only be deducted in case of default. However, owners tend not to like this option. "When the citizen is due on the rent, is a sign that he is facing financial problems. Therefore, it is possible that your check does not have funds, "says Graiche.
Now if the alternative is to secure bail, the only drawback is the same cost. The price paid annually typically range between 80% and 130% of the value of a monthly rent, depending on the items that are insured.
In a lease of $ 1 thousand per month, for example, where the insurer covers only the default in the rent of the property, the tenant would pay on average $ 67 in addition to providing insurance to pay. Have you opt for full insurance, which may include insurance against damage to property and in some cases to cover the property tax delinquency in the Territorial Urbano (property tax), the same tenant would pay about $ 108 in addition to rent.
But no way to make this expense worth it. "Who makes a complete insurance, for example, is preferred by the owners and can try and get a discount on rent," said Jose Viana Neto, president of SP-growing. After all, the owner of the property is guaranteed to get paid on time and that the property is maintained.
Viana Neto says that with the growing use of bond insurance, the prices should also fall. "Today, the values are already lower than they were and should be even smaller."
Source: Jornal da Tarde
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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