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Rental guarantee in Switzerland

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What is a rental guarantee?

When you move into a new place as a tenant, you will be asked to pay a sum of money as a rent deposit. This deposit is generally equivalent to three monthly rents, and will be used as an guarantee in case of unpaid rent or caused damages. When you leave your home, you will get this deposit back.

The rental guarantee is an alternative to the bank deposit. Specifically, you entrust the management of this deposit to a third party. this company will be the guarantor for you.

How does it work?

When you sign for a lease contract, and when asked for a rental deposit, you can simply call to a rental guarantee. Thus:

  • You no longer have to worry about the rent deposit.
  • Nevertheless you must pay, every years, a certain amount to the companies who is handling your deposit. This until your next moving
    • Whom contact to?

      There are few companies offering rental guarantee in Switzerland, and their offers are often equivalent. Although, small differences can exist based on your own situation. The easiest thing to do is to ask a broker like Multicredit (Multicredit) who will help you to find the best offer and simplify the procedures for you.

      How much does it cost?

      The cost will depend of course on the rent paid monthly, but also the deposit required by the homeowner. Generally:

      • For a 1,000 Chf rent, the rental guarantee will cost around 60-80 Chf / year.
      • For a 2,000 Chf rent, the rental guarantee will cost around 100-150 Chf / year.
      • For a 3,000 Chf rent, the rental guarantee will cost around 150-200 Chf / year.

      At this annual cost, you may need to add a single registration premium which can rise up to 250 Chf.

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