Choosing the right tenant is an essential step in guaranteeing the profitability and peace of mind of a rental investment. A reliable tenant avoids non-payment and ensures that the property is well maintained. Tanit Immobilier, an expert in rental management, helps owners to secure their investment. Here are a few tips to help you make the right choice.
1. Check the applicant’s solvency
One of the most important criteria is the tenant’s ability to pay the rent. To do this, it is essential to ask for a number of supporting documents:
- The last three payslips or proof of income (balance sheets for the self-employed)
- The latest tax assessment
- An employment contract or a certificate from the employer specifying the nature of the contract and the length of service
- The last three rent receipts from the previous accommodation (if applicable) or proof of accommodation
- A bank statement showing sound financial management
It is recommended that the rent should not exceed 33% of the tenant’s monthly income in order to limit the risk of non-payment.
2. Studying professional stability
A tenant with a permanent contract is generally more reassuring than one with a fixed-term contract or who is self-employed. However, certain profiles, such as civil servants, professionals or retired people with a regular income, can also be good candidates.
Tanit Immobilier also advises taking into account the tenant’s length of service and salary progression. Someone at the start of their career with a stable career path may be a good choice, despite a moderate current salary.
3. Request a deposit or guarantee
Requiring a joint and several guarantor is an additional guarantee against non-payment. The guarantor may be someone close to the tenant who undertakes to pay in the event of non-payment. As with the tenant, it is advisable to check the solvency of the guarantor by asking :
- Pay slips or tax notices
- Proof of address
- An identity document
An alternative to a personal guarantee is the guarantee or taking out insurance to cover unpaid rent.
4. Check the tenant’s reliability and track record
An interview with the applicant will enable us to assess their seriousness and behaviour. Don’t hesitate to ask questions about previous tenancies and, if possible, contact the previous owner to get their opinion. Tanit Immobilier systematically carries out these checks to avoid any unpleasant surprises.
5. Opt for unpaid rent insurance
For extra protection, you can take out unpaid rent insurance (GLI). This insurance guarantees payment of the rent if the tenant defaults, but often imposes strict selection criteria, such as a debt ratio of less than 35% and professional stability.
➡ Advice: If you want to minimise risk and offload the administrative burden, Tanit Immobilier offers a comprehensive rental management service. The agency takes care of the rigorous selection of tenants, checking documents, drafting the lease and monitoring payments. By calling on us, you’re putting all the chances on your side to rent with complete peace of mind.
