New tenant annual contract

Solvency criteria

Solvency criteria and constituent parts (new rental)

TYPE OF INCOME	AVAILABILITY RATE	REQUIRED SOLVENCY PARTS
Net salary resulting from a CDI excluding trial period, exceptional bonuses, overtime, 13th month, performance bonus, basket bonus, travel expenses, employee's share in payment of restaurant and complementary vouchers, without notice of departure	33%	- Three last payslips of the Tenant, immediately preceding the date of signature of the lease, failing which, the payslips since the signing of his employment contract if they are available. - Employment contract, failing that, employer certificate of less than 30 days upon signature of the lease established by the employer or by one of its representatives, having the legal capacity to certify and specifying that the Tenant holds an indefinite contract, that he is neither in a probationary period nor in a period of notice as well as the amount of his annual net salary and his date of hire;
Foreigners employed by a foreign or French company working abroad and transferred to France taking advantage of a CDI outside the trial period, exceptional bonuses, overtime, 13th month, bonus of results, basket premium, fees of travel, employee's share in the payment of restaurant and complementary vouchers, without prior notice of departure.	33%	- Three last payslips of the Tenant, immediately preceding the date of signature of the lease, failing which, the payslips since the signing of his employment contract if they are available, the December payslip. - Employment contract in France, failing that, employer certificate of less than 30 days upon signature of the lease established by the employer or by one of its representatives, having the legal capacity to certify and specifying that the Tenant is incumbent a contract of indefinite duration, that it is neither in a trial period nor in a period of notice as well as the amount of his net annual salary and his date of hire; - a French RIB will be due on the date of entry into the premises. Without that the keys cannot be returned. These records are subject to validation by Insured based on ability to pay rent.
& nbsp; Retirement pension	33%	- Last Notice of Taxation - Last three pension slips immediately preceding the date of & nbsp; & nbsp; signing of the lease or the pension fund statements
& nbsp; Early retirement	33%	- Proof of maintenance of compensation until retirement - Three last payslips of the Tenant, immediately preceding the date of signature of the lease, a default, the payslips since the signature of his employment contract. Or Proof of retirement payment
Job seekers exempt from job search	33%	- Proof of maintenance of compensation until retirement - Proof of Assedic payment - Last tax notice
Short-term sick leave	... / ...	The solvency calculation is carried out by integrating the income that should have been received if the employee had not been absent. The availability rate depends on the type of income.
Medically or long-term sick leave	... / ...	The solvency calculation is carried out by integrating the income that should have been received if the employee had not been absent. The availability rate depends on the type of income.
Work abroad income received in France	... / ...	The account to which salaries are transferred must correspond to the bank details appearing in the Tenant file and of a banking establishment domiciled in France. The availability rate depends on the type of income.
Legal person	not applicable	Equity over the last 2 years, cash flow, operating income and net income must be positive. For companies that refuse to send their tax return, we will proceed to a request for approval. The rent should not exceed 10% of the last net profit of the company.
TNS, Self-employed…	33%	- Two Tax Notices are requested unless the activity has been created for less than two years for which the last Tax Notice is sufficient. The last Tax Notice must provide proof of a full year of activity. Activities of less than one year are excluded - Copy of professional card or notice of registration in the Trades Directory or the Trade Register.
Company director: - benefiting from "Unemployment" insurance - not benefiting from "Unemployment" insurance	33% 33%	- Company K-bis extract; - Last three payslips, immediately preceding the signing of the lease for salaried managers; - A certificate of income established by the accountant for the current year for managers non-salaried. - Two tax notices are requested unless the activity has been created for less than two years for which the last tax notice is sufficient. The last Tax Notice must provide proof of a full year of activity. If the income certificate is more favorable than the two tax notices, only it will be taken into account. Otherwise, the solvency will be calculated on the basis of the average between the two tax notices and the employment certificate. - copy of the "Unemployment" insurance certificate
Maintenance payments (including amounts allocated at the non-conciliation order stage)	33%	Copy of the part of the judgment specifying the amount of pensions, if possible Notice of tax where it is mentioned.
Recurring contractual premiums, 13th month or more, baskets, travel + night + Sunday	33%	- last 3 payslips, or failing that, payslips since recruitment - employment contract, failing employment certificate
PAJE: Childcare service for young children (from 0 to 3 years old per child);	33%	Proof of payment CAF Copy of family record book
CLCMG: Complement of the free choice of childcare (from 0 to 6 years);	33%	Proof of payment CAF Copy of family record book
AJE: Young child allowance	33%	Proof of payment CAF Copy of family record book
AA: Adoption allowance from 0 to 3 years	33%	Proof of payment CAF Copy of family record book
AFEAMA: Family assistance for the employment of an approved maternal assistance	33%	Proof of payment CAF Copy of family book
AGED: Home care allowance (from 0 to 6 years old);	33%	Proof of payment CAF Copy of family record book
ASF: Family support allowance (no duration conditions);	33%	Proof of CAF payment
AES: Special education allowance (1 to 5 years);	33%	Proof of payment CAF Copy of family record book
AF: Family allowances	33%	Proof of payment CAF Copy of family record book
APE: Parental education allowance (from 0 to 3 years old)	33%	Proof of payment CAF Copy of family record book
CF: Family supplement	33%	Proof of payment CAF Copy of family record book
API: Allowance for single parents (from 0 to 3 years old)	33%	Proof of payment CAF Copy of family record book
AAH: Allowance for disabled adults (from 1 to 5 years after COTOREP notice)	33%	Proof of payment CAF Copy of family record book
APL / ALF / ALS: Personalized housing assistance	33%	A simulation must be carried out, dated and signed by the Subscriber on the website of the Caisse d'Allocations Familiales with regard to the solvency elements that must be attached to the Tenant's file. < / td>
Overtime	25%	Three last payslips of the Tenant, immediately preceding the date of signature of the lease, failing which, the payslips since the signing of his employment contract if they are available .
Land Income	25%	Last tax notice, Proof of ownership or property tax, lease, management report if managed by an ADB, unless these appear on the last tax notice .
Maternity leave	33%	Solvency is calculated on the average of transfer income or health insurance benefits.
ASSEDIC, RSA, RMI	25%	The Assedic must be paid for a period of 8 months remaining from the signing of the lease.
Advance on commission	25%	- Three last payslips of the Tenant, immediately preceding the date of signature of the lease, failing which, the payslips since the signing of his employment contract if they are available . - Employment contract, failing that, employer certificate of less than 30 days at the signing of the lease established by the employer or by one of its representatives, having the capacity toridiculous to certify and specifying that the Tenant holds an indefinite contract, that he is neither in a probationary period, nor in a notice period as well as the amount of his net annual salary and his date of hire; - Advances on commissions are taken into account at 25%. The "minimum convention" may be taken into account depending on the nature of the contract.
Worker or equivalent, candidate availing himself of a self-employed artistic activity availing himself of a contract for the last 2 years at the signing of the lease	25%	Copy of the employment contract, invoice for fees, last tax notice
Seasonal workers taking advantage of a contract for a period of 8 months remaining from the signing of the lease	25%	Last 3 payslips, or payslips since recruitment if they are available, - Employment contract, failing that, employer certificate of less than 30 days upon signature the lease established by the employer or by one of his representatives, having the legal capacity to certify and specifying that the Tenant holds a seasonal contract as well as the amount of his annual net salary and his date of hire;
Employees in probationary period	25%	- Three last payslips of the Tenant, immediately preceding the date of signature of the lease, failing which, the payslips since the signing of his employment contract if they are available. - Employment contract, failing that, employer certificate of less than 30 days at the signing of the lease established by the employer or by one of its representatives, having the legal capacity to certify and specifying that the Tenant holds an indefinite contract as well that the amount of his annual net salary and his date of hire;
Employees on fixed-term contracts benefiting from a contract with a remaining term of more than 8 months on the date of signature of the lease	25%	- Employment certificate dated less than thirty days from the date of signing of the lease, established by the employer or by one of its representatives, having the legal capacity to certify and specifying that the Tenant holds a term contract determined, indicating the date of hire, the date of termination of the contract and the amount of his monthly net salary; failing this, the employment contract must be provided; - Last three payslips, of the Tenant, preceding immediately upon signing the lease failing that, pay slips from the employment contract if available. & nbsp;
Foreigners employed by a foreign company and sent on mission to France availing themselves of a contract for a period remaining to run from 8 months at the signing of the lease	25%	- Employment contract or assignment contract, last 3 payslips
Temporary workers taking advantage of a contract for the last three months at the signing of the lease	25%	Last 3 payslips, or payslips since recruitment if available, employment contract, failing employment certificate
Employee service employment check	25%	the IA must corroborate the level of income, pay slip, failing that, social aspects of the last 3 months, if possible employment contract or certificate
Non-tenured public sector income (military, nurse etc.) (except in the above case)	25%	Employment contract (at least 8 months remaining to run from the signing of the lease), failing employer certificate, last 3 fpayslips, failing which payslip from the start of the job if they are available.
CLC: Free choice allowance;	0%	Allocation that cannot be taken into account in the solvency calculation
APP: Parental attendance allowance;	0%	Allocation that cannot be taken into account in the solvency calculation
ARS: Back-to-school allowance;	0%	Allocation that cannot be taken into account in the solvency calculation
Moving allowance;	0%	Allocation that cannot be taken into account in the solvency calculation
Christmas bonuses;	0%	Allocation that cannot be taken into account in the solvency calculation
Income received abroad	0%	They are refused, wages and salaries must be paid in France.
Financial income (Dividends, Plus Value, Balance, Bond Income, etc.)	0%	They are refused: Random income
2 or more joint and several guarantees with separate households	variable depending on the type of income of the guarantor	3 separate joint and several guarantees at most. There is no minimum income by joint surety.
2 joint and several guarantees same household	variable depending on the type of income the guarantor	3 separate joint and several guarantees at most. There is no minimum income per joint surety.
Joint surety residing abroad	variable depending on the type of income of the guarantor	The tax residence must be located in France or in the DOM TOM, salaries must be paid in France or in the DOM TOM
Rental to the state (gendarmerie, prefecture, barracks, etc.)	none	The file must consist only of the authorization of the signatory of the lease and the specific lease drawn up by the State, there is no calculation of the effort rate . The rental file for the natural person must be established.
Bank Pledge	… /…	Pledge for a minimum period of 3 years and the equivalent of one year of rent blocked for the benefit of the Owner.
Tenant legal person for physical occupant	… /…	The rental file for the natural person must be made up.
Apprentice	… /…	Apprenticeship contract, joint surety (s)
Non-scholarship student Apprentice under professionalization contract	… /…	Student card, failing this, registration certificate, joint surety (s)
Joint and several guarantee legal person or bank guarantee	… /…	Joint and several guarantee legal person: request for approval required. Bank guarantee if duration of 3 years for a sum equivalent to 1 year of rent: possibility of request for approval. No specific model, bank support is accepted.