In times of constantly increasing rents, the deposit becomes an increasing burden for tenants. With cold rents of 1,000 euros and more, 3,000 euros bail for many people are still difficult to handle. Moving costs, brokerage commissions and the renovation make a change of residence an expensive fun. Anyone looking for a solution, as he ties at least his free money still not on a Mietautionssparbuch, for example, find a Mietaval.
Rental leases are even more important for commercial tenants. While the legislature limits the deposit to three rents for private housing, it can be up to six months for commercial leases. With a cold rent of 3,000 euros, the bail, especially for business founders fatal high.
Mietaval comparison for business and private
- Here you can compare different Mietaval providers or Mietkautionsbürgschaft offers online.
- Just choose the amount of the deposit, the desired term and whether it is a private apartment or a commercial object. After a click on “Compare rental deposit” your personal comparison result will be provided in a few seconds.
- Afterwards you can conclude your rent deposit guarantee directly online.
What is actually a Mietaval?
A rental agreement is a guarantee from the bank to the landlord that he is responsible for any claims of the landlord against the tenant. The Mietaval assumes that the tenant has a corresponding credit rating. The check of the creditworthiness is exactly as if the tenant actually applied for a loan. Legally speaking, a lease agreement for the bank is a contingent liability, as it is not clear whether it actually has to pay for rent losses. If this happens, the bank then takes the renter into recourse.
For the tenant, an avalanche means that its credit rating is reduced by the amount of the guarantee. Assuming that he would be “good” with his income for a loan of 50,000 euros, the Aval is 3,000 euros, he could still take a loan in the amount of 47,000 euros.
Mietavale offer for tenants and landlords an important asset: The landlord knows that the credit rating of his tenant is correspondingly good, the tenant does not have to endeavor to provide a separate Schufa information.
Why compare Mietaval?
Why do borrowers compare the terms of each bank? Right, because there are differences. And that’s just the case with rental avaible. In addition to a set-up fee is also an annual avalage fee.
For the preparation of the Avalurkunde calculate the banks once between 30 and 50 euros. The annual avalage fee is 3.5% on average and is due on the amount of the guarantee. However, banks often charge a minimum fee, usually 50 euros.
Guarantees are usually available in sizes ranging from 750 euros to 10,000 euros. A comparison for Mietavale shows once again that online banks in many areas compared to the affiliate institutes are simply the cheaper alternative.
Alternatively to a Mietaval offers a Mietkachtsversicherung, which basically follows the same pattern. The Schufa exam is also included.