French Guarantor

VISALE

VISALE: State-Guaranteed Rental Deposit

- What is it?: Visale is a free service provided by the French state (Action Logement) that acts as a guarantor for your rent.

- Purpose: It reassures landlords by guaranteeing that your rent and utility charges will be paid if you ever fall behind, making it much easier for students to secure housing.

- Eligibility: It is widely accessible to students aged 18 to 30, regardless of their nationality.

-How it works: You apply for a "Visale certificate" online *before signing your lease; once approved, you provide this certificate to your potential landlord.

- Benefits: It eliminates the need for a private guarantor (often difficult for international students to find) and is accepted by many landlords and student residences across France.

Garantme

   Garantme: Rental Guarantor Service

- Private Guarantor Service: Unlike Visale, which is a state-funded service, Garantme is a private company that acts as a guarantor for tenants who do not have a French guarantor.

- Purpose: The service is designed to reassure landlords by guaranteeing the payment of rent, charges, and potential property damage, thereby facilitating the rental application process for international students.

- Eligibility: It is open to all students, including those who do not meet the age or nationality requirements for state-funded schemes like Visale.

- How it Works: Tenants apply online to get their "Garantme certificate," which can then be presented to landlords to strengthen their rental application.

- Cost: As it is a private service, there is a fee associated with obtaining the guarantee, which typically depends on the duration of the lease.

SmartGarant

Is another private digital guarantee service (moral guarantor) in France, specifically designed to help tenants secure a rental contract without the need for a physical guarantor resident in France.
- How does the service work? File analysis: The tenant uploads their supporting documents to the official SmartGarant platform. The system assesses the applicant's creditworthiness in just a few minutes or hours.
- Issuance of the certificate: If the profile is approved, a guarantee certificate is issued in approximately 2 hours.
- Presentation to the landlord: The tenant attaches this certificate to their rental file (dossier locatif) to demonstrate to the landlord that the rent is institutionally insured.
- Risk coverage: In the event of non-payment, SmartGarant directly compensates the landlord (up to €100,000 for 24 months) and initiates recovery procedures with the tenant

Unkle
Like Garantme, SmartGarant, Unkle removes the barrier of having a physical guarantor in France (such as parents with French salaries):
- You register online and complete your profile in a few minutes.
- Their system uses a flexible internal scoring algorithm (analyzes income from abroad, savings, freelance status or temporary contracts - CDD).
- You receive a guarantee certificate (certificate of eligibility) that you add to your rental file (dossier locatif).
- Once accepted by the landlord, Unkle signs the guarantee deed and becomes directly responsible for paying the rent in case of problems

  Studapart Guarantee

- Financial Security: The Studapart Guarantee acts as a rental guarantor for students who do not have a personal guarantor in France.

- Accessibility: It is designed to assist international students, regardless of their nationality, in securing their rental applications.

- Landlord Reassurance: By providing this guarantee, the service reassures landlords that rent payments are secured, making it easier for students to be accepted for housing.

- Integrated Process: The guarantee is part of the Studapart platform experience, allowing students to manage their housing search and financial requirements in one place.