A new tool for landlord protection
In Spain, more and more apartment owners and agencies are using the rental debtors registry to avoid payment issues. This database, created on the Idealista platform, allows landlords to check the financial reputation of potential tenants in advance. The system gathers information from various sources, including reports from property owners, agencies, insurance companies, and court rulings. This approach helps minimize risks and saves time when choosing a tenant.
How the tenant screening works
Screening a future tenant takes just a few minutes. All that’s needed is the person’s passport or ID number and email address. The candidate then receives a notification about the upcoming check and must confirm consent with an electronic signature. The system then analyzes data from multiple databases: from general debtor registries to specialized real estate and bank debt lists. The landlord receives the final report by email within a few hours. It details any outstanding debts and assesses the likelihood of late payments.
Benefits for tenants and owners
The service is useful not only for apartment owners but also for tenants themselves. Anyone can obtain a certificate confirming they are not listed as a debtor and use it to increase trust when searching for housing. For property owners, it’s a simple way to verify a candidate’s solvency and avoid unpleasant situations involving unpaid rent. The cost of the service is low, especially compared to potential losses from unreliable tenants.
Actions to take if debts are discovered
If a background check reveals that a candidate has outstanding debts, experts recommend considering other applicants. If you still decide to rent to such an individual, it is advisable to arrange insurance against non-payment. Many insurance companies conduct their own risk assessment and may refuse to issue a policy if the tenant has a negative history.
Procedure for entering debtor information
A tenant can be added to the registry after just one month of missed rent payment. To do this, you will need to provide proof that a payment demand was sent, a copy of the rental agreement, and documents verifying the owner’s identity. Real estate agencies must also present a power of attorney to represent the owner’s interests. Once the information is entered into the database, the landlord has the right to terminate the contract and begin eviction procedures if the situation cannot be resolved amicably.
When to consult the registry
The use of debtor databases is becoming standard practice in Spain’s rental housing market. This not only protects the interests of property owners but also creates more transparent relationships among all market participants. Before initiating legal proceedings, experts recommend trying to reach an agreement with the tenant to avoid unnecessary expenses and conflicts.
