The new public guarantee against non-payment launches full of limitations: at Inmopolt we explain why it is not a real solution for property owners.

The Government has announced a new royal decree intended to offer property owners coverage against possible non-payment in rental contracts aimed at young people and vulnerable individuals. On paper, it may seem like good news. But when analyzed in detail, its limitations mean that this measure falls far short of providing the protection that a property owner truly needs.

At Inmopolt, with more than 20 years of experience managing rentals and protecting our clients’ assets, we know how to distinguish between effective solutions and measures that only create expectations without delivering real results..

A public guarantee with such restrictive requirements that it will barely reach anyone.

For a property owner to be eligible for the new guarantee, they must meet requirements as strict as the following:

  • Rent exclusively to people under 35 or to individuals considered vulnerable by each autonomous community.
  • Set a rent equal to or below the state reference index, a figure well below the real market value.
  • Have deposited the security deposit and all its updates.
  • Sign a specific document with the tenant using an official template that has yet to be developed.

In addition, the coverage will only apply to contracts in force as of January 30, 2025, leaving out the vast majority of new leases.

What is intended to be a security system for landlords ultimately becomes a mechanism that is almost impossible to access.

Limited coverage and an operating framework that is still uncertain.

Although it is announced that the guarantee will cover non-payments, damages, and unpaid utilities, the following aspects have yet to be specified:

  • The total budget of the program
  • The actual resolution timeframes
  • The operational procedure
  • The speed of compensation

The exact criteria that the autonomous communities will introduce are also still unknown, which adds even more uncertainty for property owners, who need predictability and clarity, not more bureaucracy.

At Inmopolt, we are clear about one thing: a property owner’s peace of mind cannot depend on uncertain aid.

For more than 20 years, we have seen how property owners end up unprotected when they rely on public assistance that takes months to become active or that, in many cases, is never actually implemented.

That is why we state clearly what many think but few openly say:
these guarantees do not solve the real problem faced by property owners.

When a non-payment occurs, the damage is already done.
Property owners need security from day one, not after months of paperwork.”

In the face of uncertainty, we offer certainty.

Frente a las dudas, nosotros ofrecemos certezas.

✔ou get paid ALWAYS before the 5th of every month.
✔ No fine print, no delays, no excuses.
✔ From the day the contract is signed until the keys are returned.
✔ It doesn’t matter what the tenant does. You still get paid.
✔ For just €50 per month.

It’s that simple:
your peace of mind is worth far more than €50.

And as so often happens, people only truly realize its value when the first incident arises, when a payment is missed or a tenant is late. That is when many regret it and say:“I wish I had taken it out sooner.”

Inmopolt: experience, protection, and real commitment an increasingly complex rental market, full otemporary measures, changing regulations, and conditional aid, at Inmopolt we continue to stand for real, proven security.

No promises.
No endless paperwork.
No aid that may or may not arrive.

Real security, every month, no matter what happens.