Drianing A Washing Machine Into The Ground

Deposit Insurance solidarity VS Unpaid Rent: choose what guarantee

Since the publication of the law in March 2009 Boutin, landlords are reluctant often between the drafting of a deed of surety and purchase an insurance unpaid rent.
Overview of two solutions for you to choose the best security for your rental investment.

The deed of surety: the cheapest and easiest?

Often landlords think it is simpler, more empowering and less expensive to use a surety. However, this legal act is not without dangers:

• To be valid, the act of surety must be handwritten and adhere to a precise formulation . Otherwise, the legal act may be void and you will have no recourse against the guarantor for the payment of unpaid rent your . Tip: To avoid invalidation of the deed of surety, you can use a template validated legally available on specialized sites.
• To be exploitable, the deed of surety must be provided by a guarantor residing tax in France. If this seems obvious At first glance, the employee part of a transnationals presented as a guarantor ideal may be far less interesting if in the meantime, he is an expatriate in Dubai or China ...
• To be solvent, the guarantor must have sufficient resources actually . While it is commonly accepted that a tenant must not make an effort to rent more than one third of its revenues, the guarantor when with him, has the burden of rent (or credit) payable. Therefore a margin of additional financial security.
• Finally, the MAP and contentious implementation should be performed routinely in duplicate (one destined for the tenant, the other copy to the guarantor)

However, the act of surety has the advantage of being very economical and provides sufficient security when it is made under good conditions.

Insurance unpaid rent: the most expensive and safer?

• If insurers are known difficult to pay, they at least have the merit of having a known address. Also, some difficulties may have provided for compensation are often proportional to the complexity of the insurance claim (disputed circumstances, neglect evident in the constitution of the tenant file, not the timeliness of reporting the claim for unpaid rent etc ...)
• Insurance Unpaid Rent is a contract which obliges the parties who signed it. If possible interpretation of texts, the judge will have no qualms about deciding in favor of the insured, be considered unprofessional.
• Seek a warranty unpaid rent or grl , requires rigor in constructing the record tenant (ask the latest pay slips to the tenant based on the effective date of the lease and not not depending on the date of incorporation of "pre-file", often several weeks earlier; accept photocopies of documents provided that the tenant delivers the original simultaneously ...) you avoid administrative difficulties with your insurer on the day of the accident. The insurance
• cost, which varies according to the guarantees offered (warranty period of rent ceilings capital when damage to property, limits of support for litigation costs, etc. ...). Generally the rate of insurance unpaid rent is a price ranging from 2.50% to 4% of the rent charges included.

The price of an insurance unpaid rent can be put into perspective given its tax deductibility in the income category of land (Art.31 of the CGI).

Reminder: accumulation insurance and surety Imay rents are prohibited

Except in special cases (student apartments and rentals) , the accumulation of unpaid rent and a guarantee of a deed of surety are prohibited by law since Boutin March 2009.

Need a quote insurance unpaid rent?

Get your personalized quote insurance rent or grl with a few clicks:
http://www.capvie.com/devis-assurance-loyers-impayes.php

Chicco Replacement Tray

Tenants' Risk Guarantee means an insurer more for GRL 2 GRL

After DAS Insurance ; (100% subsidiary of MMA) and CIMB (insurance agents Fnaim) , Mutual Alsace Lorraine is also involved in the new device insurance LRG, also known as LRG 2.

LRG 2: A forced march to launch?

Born December 26, 2009, after signing the new agreement between APAGL, the FFSA (French Federation of Insurance Companies) and GEMA (Association of Mutual Insurance) , the LRG 2 struggled to find relays among insurers.

Indeed, the abrupt termination of the old device PASS-GRL the benefit of the new Tenants' Risk Guarantee Universal had put the insurance companies with a fait accompli.

Therefore landlords have had to wait 13 February 2010 appear to show the first contract insurance LRG 2, proposed by the distribution of DAS .

Universal Risk Guarantee Flats, to more choices.

With the coming of the Mutual Alsace Lorraine in the device LRG 2, landlords will have more choice among branded products LRG.
The new contract will be available from insurance brokers network Solly Azar or online on the website http://www.capvie.com/ , starting October 1 2010.

To easily obtain your insurance quote or LRG insurance unpaid rent and purchase your policy in minutes, visit:

http://www.capvie.com/devis-assurance- Rent-impayes.php

...

Pregency Care In Urdu

: UNPI the campaign for a share of the cost of insurance with the borrower and tenant insurance

LRG Assurance in brief:

The insurance is a LRG device insurance unpaid rent, signed by the lessor, to guard against default payment of a tenant. Cost, typically 2.50% of the rent included, is funded exclusively by the owner.

Towards a shared-cost insurance LRG?

" I think in particular the financing of the GRL should involve tenants, along with donors and the state." activist Jean Perrin, president of The National Union of Property Owners (UNPI) in its "White Paper . Thus
UNPI think improve the system of financing the system LRG, while empowering tenants and reducing the financial burden that rests on the owners.

To learn more and get your insurance quote LRG online: click here

Jenna Jamesonfull Movie

free competition: The Act is under LAGARDE!

On 1 September 2010 sees the aplications by decree Reform Act of consumer credit, designed to increase competition in the field of insurance borrower.

The text aims to help borrowers qualify for better information and greater freedom of choice, including through the prohibition on banks to impose their insurance, and requires:

• Accept delegation insurance when the contract provides equivalent guarantees;
• Motivating reasons for the refusal of insurance "external";
• Do not modify the loan terms in return for an individual insurance (rising interest rates ...);

Compare rates and guarantees your loan insurance by using our comparative insurance:

• Online quote comparison insurance borrower
• Quote Online CARDIF guaranteed borrower
• Quote Online APRIL loan insurance