【不動産】賃貸保証会社とは

不動産

2018.07.22

住むお部屋を借りるときに、不動産屋さんに「保証会社に加入が必須です」なんて言われた経験があるかと思います。

「連帯保証人は分かるけど、賃貸保証会社ってなに?」と疑問に思う方もいるかと思います。

現在の傾向ですと、大半の不動産屋が連帯保証人ではなく保証会社を付ける傾向にあります。

保証会社って?

簡単に保証会社についてご説明すると、連帯保証人の役割を保証会社が代行するということです。

契約者(賃借人)が債務不履行(家賃滞納等)をした場合、契約者(賃借人)ではどうにならない場合、貸主への立替払いを保証会社が行ってくれるものです。これを「代位弁済」といいます。

代位弁済後、契約者(賃借人)は立て替えてもらったものは、後からもちろん支払わなければなりません。

 

では、なぜ連帯保証人ではなく保証会社の取り扱いが増えているのかというところになりますが、現在、身寄りのない高齢者の世帯や一人住まいの世帯が急増しており、そもそも連帯保証人を探すことが困難な状況であること。また、核家族化が進み、親族に対して連帯保証人を頼みづらいなんてことになっております。

自分の債務を身内の方に変わりに支払ってもらうことになりますからね。

保証会社を利用するには、保証会社に支払う「保証料」というものが必ず発生します。
初回に支払いが発生し、その後、月々支払うものや、1年・2年の更新時に支払うものもあります。

保証会社も、現在、全国に多くの会社があります。
実は保証会社ごとに、保証料や保証内容が異なります。

ですので、募集している物件ごとに保証内容が違うのは、その不動産屋が、どの保証会社と契約をしているかで異なってくるわけです。

利用の流れ

利用の流れですが、賃貸物件申込と同時に保証会社の申込をするのが一般的で、書類に必要事項の記入、必要書類をご提出いただき、それをもとに審査します。
審査が通過したら、賃貸契約を交わすのタイミングで、保証会社の契約、また、保証料のお支払が行われます(保証料支払いは契約前の場合もあり)。

そして、ご入居開始より保証がスタートするという流れです。

 

弊社も数社保証会社の取り扱いをしております。

分かりにくい部分ですので、お部屋を借りるときにご不明であればご相談いただけると幸いです。

 


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