Mercado Imobiliário: corretora explica se é possível alugar imóvel com o nome sujo

Summary

In this video, real estate agent Mayara Toffano discusses whether individuals with bad credit can rent a property. She highlights how the rental market has evolved, offering alternative solutions such as Seguro-fiança (insurance bonds) and companies like Acredipay, which act as guarantors without the need for a clean credit history. Mayara explains that the law now provides multiple options for rental guarantees, and with the help of digital platforms, even those with a 'dirty name' can secure housing. She concludes by encouraging viewers to explore these modern solutions for renting properties, even with financial setbacks.

Takeaways

• 😀 People with bad credit ('nome sujo') can still rent property in Brazil, despite common misconceptions.
• 😀 The Tenancy Law (Lei do Inquilinato) allows for various rental guarantees, including a fiador (guarantor), insurance, fiduciary guarantees, and others.
• 😀 It is illegal for a landlord or agency to require multiple types of guarantees for the same rental agreement – only one is allowed by law.
• 😀 The most common rental guarantee is the fiador (guarantor), but it is often replaced with newer alternatives in the market.
• 😀 The 'caução' (security deposit) is a less popular option today, where the tenant deposits up to three months' rent, and the money is returned with interest if there are no issues.
• 😀 The 'seguro-fiança' (rental insurance) has become more accessible and affordable, with digital solutions reducing the cost compared to the past.
• 😀 Some companies, like 'Acredite Pago,' allow tenants to use a credit card as a form of guarantee, replacing the need for a fiador or large upfront payments.
• 😀 Digital companies have revolutionized the rental market, making the process quicker and more efficient, especially for people with bad credit.
• 😀 Modern rental guarantees, such as insurance or digital guarantees, are based on the tenant’s history and creditworthiness rather than solely on credit score or income proof.
• 😀 Tenants with bad credit may still be able to rent properties by using innovative solutions like corporate guarantors, insurance, or credit-backed guarantees, instead of traditional methods.

Q & A

Can someone with a bad credit history rent an apartment in the Brazilian real estate market?

Yes, individuals with a bad credit history can still rent an apartment. The rental market has evolved, and there are alternative solutions beyond traditional credit checks, such as digital solutions and various types of guarantees.

What is a fiador (guarantor) in the context of renting an apartment?

A fiador is a person who guarantees the payment of rent in case the tenant defaults. Traditionally, a clean credit history and a higher income are required from the fiador to secure the rental agreement.

What is a caução (security deposit) and how does it work?

A caução is a security deposit where the tenant provides a sum, typically up to three months' rent, which is kept in a savings account. If there is no rent default or damage, the deposit is refunded at the end of the lease.

What is seguro-fiança (insurance bond) and how has it evolved?

Seguro-fiança is an insurance bond where an insurance company guarantees the rent payment if the tenant fails to pay. It has become more affordable in recent years, particularly due to the rise of digital insurance companies.

What is cessão fiduciária (fiduciary assignment) and how does it work in renting?

Cessão fiduciária involves the tenant placing funds into an investment account. This amount earns interest, and if the tenant defaults, the funds can be used to cover the rent. It's an alternative to traditional guarantees.

Can a tenant use multiple types of guarantees simultaneously when renting?

No, according to the law (Lei do Inquilinato, article 37), only one type of guarantee can be used in a rental agreement. Multiple guarantees cannot be combined.

How has digital innovation impacted the rental market in Brazil?

Digital innovation, particularly startups, has introduced more flexible rental solutions. Companies like CredPago use technology to allow tenants to bypass traditional credit checks, enabling them to rent even with a bad credit history.

What is CredPago and how does it help people with bad credit?

CredPago is a startup that replaces the traditional fiador with a digital solution. It allows tenants to use their credit card as a guarantee for rent and offers instant approval based on their financial history, not just their credit score.

Do tenants need a clean credit history to use CredPago?

No, tenants using CredPago do not need a clean credit history. The system evaluates their overall financial behavior and creditworthiness, allowing even those with bad credit to rent.

How can someone with bad credit increase their chances of renting an apartment?

People with bad credit can explore modern rental solutions like digital insurance bonds, companies offering credit-based guarantees (like CredPago), or other alternatives that focus on their payment history and financial behavior instead of just their credit score.