How to find a good rental mortgage? To do this, you need to compare different offers. A mortgage calculator will come in handy . Thanks to it, you can calculate the monthly payment with a satisfactory loan term.

If you have an investment that you can rent out, you should definitely pay attention to some very important aspects. This will avoid a lot of unpleasant situations, unscrupulous landlords and problems with the law. Even more information needs to be collected when you decide to get a mortgage loan.

First: choosing tenants
Finding suitable tenants is not easy. Therefore, before entering into a contract, it is worth learning something about your future tenants. Perhaps you don't want smokers or pets living in your apartment. Therefore, it is worth asking about aspects that may be a problem for you. It is good to indicate which group you care about, for example, students, employees or families with children.

Second: the number of tenants.
Determine the maximum number of tenants you will rent in the apartment. The amount of rent and some fees may depend on this. Also consider the quiet life of your neighbors. For many students, living in 6 people on 30 square meters is not a problem, but your apartment and relations with neighbors may suffer.

Third: Agreement
Both parties should strive to conclude a lease agreement. It should contain data about tenants and landlords, the amount of fees and the dates of their payment. It is also worth specifying in the contract the period for which you rent an apartment, and the notice period. Such a document can be signed in the presence of a notary . It is also worth attaching photos that will greatly simplify the proof that something has gone wrong in the apartment. The contract must be signed on the first day of the lease. Each party must receive a copy.

Fourth: Ensuring the security of the apartment
The most popular security option is collateral . When signing the contract, the tenant transfers to the owner the amount specified in the contract for repairs if something in the apartment is damaged.

Otherwise, the deposit will be returned to the tenant upon termination of the lease agreement. The amount of the deposit is determined by the owner of the apartment. Most often, its equivalent is the monthly rent.

Fifth: fees
In fact, when preparing an ad for renting an apartment, you need to make an appropriate calculation. You need to determine how much the tenant will pay for :

- rent,
- energy,
- water,
- internet and other communications,
- heating,
- gas.

Many options are being discussed, but most depend on consumption. Keep in mind that most of your bills increase in winter. This is very important here, especially in the case of heating.

Sixth: taxes
When you rent an apartment, you get income. This means that you have to report it to the tax office. The amount of property rental tax depends on which form of taxation you choose.

If you are a private landlord, you have two options:

you can use the general rule (tax scale) of 18% or 32%
. Another option is a fixed rate of 8.5%.

If you run a business, you can choose:

19% fixed tax
the tax scale is 18% or 32%.

You do not need to report the lease to the tax office on general terms, but if you used a lump sum earlier and want to change it, you must report it to the tax office. You must report the choice of a lump sum payment to the tax inspectorate by January 20 of each year.

You already know how to avoid problems if you want to rent an apartment to someone. If you pay attention to several aspects listed above, renting will not be a problem either for you or for your tenants. You also need to think about whether your apartment will be interesting to potential tenants. The objects located in the city center are of the greatest interest. A mortgage is a commitment for many years, so such investments should not be taken lightly. The Melbet Promotional Code gives you access to the welcome offers in the house. And the good news is that Melbet has a series of interesting promotions for its users. Free melbet promo code and using it is very simple. No great effort is required to enjoy the online entertainment operator's welcome promotion. Before using the Melbet Promotional Code and claiming the house welcome bonus, you must know the rules. In other words, the Terms and Conditions (T&C) of the entry offer made available by the company.