Firstcaution will tailor your solution to your needs. We issue rental guarantees with or without a bank deposit. It is entirely up to you! And your choice can be adapted to fit your needs. You may withdraw funds for the duration of your lease agreement
Whatever rental guarantee you choose, Firstcaution has a solution:
Looking a rental guarantee without a bank deposit? Get your rental guarantee without a deposit in just three minutes.
Do you want to deposit all or part of your rental guarantee in the form of a bank deposit? Now you can! Simply choose the amount you wish to deposit using the ‘flexible deposit’ cursor on the calculator. The more you deposit, the lower your annual premium will be. This money is never blocked, it is available to you any time you need it!
The online application process takes just three minutes. We will process your request immediately. We will send your guarantee certificate to your property management company or landlord. You can choose to pay online or by invoice. You can get your money back or alternatively make payments at any time during your lease agreement. Your annual premium will be automatically adjusted depending on what you decide. The Firstcaution rental guarantee offers your landlord or your property management company total security because we have FINMA approval. The certificate issued at the time of your move remains valid for the property management company regardless of any adjustments or amendments you may make by paying or withdrawing funds during the contract term.
Simply follow the steps set out the application form to apply for a rental guarantee.
You pay a registration fee that is calculated as closely as possible to the date of your lease agreement. For example, if you move in the autumn, you will pay less than if you move in the spring. From the second year on, you pay an annual premium based on the amount requested as a guarantee by your property management company or landlord.
If you choose a deposit to form part of your rental guarantee, your annual premiums will be lower. If you decide to deposit the full guarantee amount into an account, your application fee will be CHF 50, then CHF 20 every year thereafter.
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From the second year on, what you pay depends on the amount requested by your property management company or landlord. 5% of 3 months' rent + CHF 20 (administration fee) + Federal stamp duty
(i) The Federal stamp duty is a federal tax that is levied on insurance payments.
For an apartment with a rent of CHF 1,300/month and a lease agreement starting in July: rental guarantee = 3 * CHF 1,300 = 3,900 first premium: CHF 120 annual premium from the 2nd year = (5% x 3,900) = 195 + 20 +10.75 = CHF 226
For an apartment with a rent of CHF 1,300/month and a lease agreement starting in July: rental guarantee = 3* CHF 1,300 = 3,900 You pay CHF 1,000 as a deposit first premium: CHF 120 annual premium from the second year on: 5% x (3,900 - 1,000) = 145 + 20 + 8.25 = 173 You can withdraw the deposited funds at any time or make an additional deposit. We will adjust your premium accordingly.
For an apartment with a rent of CHF 1,300/month and a lease agreement starting in July: rental guarantee = 3 * CHF 1300 = 3,900 You decide to pay your full rental guarantee amount as a deposit deposit: CHF 3,900 first premium: Take 50.- annual premium as of 2021: Stay 20.- You can get the deposited money back at any time. We will adjust your premium accordingly.
Apply online in just three minutes and your request will be processed immediately. You choose whether to pay all or part of the rental guarantee as a deposit without blocking your money. You may withdraw funds at any time should you wish to. You can adapt your rental guarantee to fit your needs. Moreover, no action is required on the part of your property management company or your landlord. The guarantee certificate remains unchanged regardless of any choices or changes you make!
We are available by phone, email and WhatsApp to answer all your questions
Firstcaution is a FINMA-approved insurance company. Our guarantee is completely secure. As professionals in the rental guarantee sector, we offer a high-quality and timely service, and are recognised by the entire real estate sector.
Yes, you can get your deposit back with the flex option. We will adjust your annual premium amount.
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We come up with simple solutions to help you secure your new home or commercial property.
We have been providing guarantees for tenants for over 12 years and more than 100,000 people have already benefitted from our speed and reliability.