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© 2025 Luntero. All rights reserved.
LUNTERO
Find your way home in the Netherlands with 20,000+ rental listings at your fingertips!
© 2025 Luntero. All rights reserved.
Luntero
A rare but powerful form of security deposit where a bank, rather than the tenant, guarantees payment to the landlord in case of default.
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A short-stay visa that allows travel within the Schengen Area for up to 90 days, which is entirely unsuitable for long-term renting.
A citizen of a European Union member state, who enjoys the right to freedom of movement and work within the Netherlands.
An internationally recognized form of certification that validates the authenticity of a public document for use in another country.
A legally valid translation of an official document performed by a translator who has been officially sworn in by a Dutch court.
The process of converting official documents from a foreign language into Dutch or English to make them understandable and acceptable for official procedures.
A person's record of managing debt and credit in a country other than the Netherlands, which is often difficult or impossible to verify for landlords.
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A bankgarantie, or bank guarantee, is a form of security that is far more common in commercial real estate than in the residential rental market, but it does occasionally appear, particularly for very high-end properties or when renting to a company. Instead of the tenant paying a cash deposit directly to the landlord, the tenant arranges for their bank to issue a guarantee in favor of the landlord. This guarantee is a binding promise from the bank to pay the landlord a specified amount (equivalent to the deposit) on demand if the landlord can demonstrate that the tenant has breached the contract (e.g., by causing damages or failing to pay rent). From the landlord's point of view, this is the gold standard of security. They do not have to hold any money themselves, and a claim is paid out by a major financial institution, eliminating any risk of the tenant being unable or unwilling to pay.
For the tenant, obtaining a bankgarantie is a significant undertaking. The bank will not simply issue such a guarantee out of goodwill. The tenant must have a substantial and stable financial relationship with the bank. The bank will typically require the tenant to deposit the full amount of the guarantee into a blocked account at the bank, and they will also charge a not-insignificant annual fee for providing the service. In essence, the tenant is paying the bank a fee to act as a trusted intermediary, holding their deposit and vouching for them. This makes it a more complex and expensive option than a standard cash deposit.
The reason a bankgarantie is rare in the residential market is twofold. Firstly, the complexity and cost are a major deterrent for most tenants. The process of setting one up is far more involved than simply transferring a deposit. Secondly, the standard cash deposit system, while not without its flaws, is generally sufficient for most residential landlords. The amounts involved are manageable, and the legal framework for handling deposits, while sometimes contentious, is well-established. A bankgarantie is often seen as overkill. However, its existence highlights what a security deposit truly is: a guarantee to cover potential damages and defaults.
A skeptical tenant, if presented with a demand for a bankgarantie, should question the landlord's motives. Is the property so exceptionally valuable that it warrants this level of security? Is the landlord unusually risk-averse? Or are they perhaps unfamiliar with standard residential practices? Given that a bankgarantie puts the tenant's money in the hands of a neutral third party (the bank), it can ironically offer the tenant some protection against a landlord who might unfairly withhold a cash deposit. However, the costs and administrative hurdles involved mean that it is rarely a practical or desirable option for the average renter.