Several banks offer digital creation of a deposit account.
Most leases include a deposit. This should be a security for the landlord in the event of lack of rent or other defects that may occur during the rental period.
The deposit is held in a escrow account held by the tenant and landlord together.
This has traditionally meant that the tenant and the landlord has had to face along the bank.
Now, however, offer several banks digital creation of a deposit account.
Also read: Bank misplaced deposit!
You do not show up in the bank
DNB Bank is one of the banks that recently (August 8th) launched the ability for digital creation of a deposit account. No more words to appear in person at the bank – and it’s even cheaper to create your account digitally than in person.
– It has been a rather cumbersome solution, where both parties must appear in person. Especially among students who have searched for ‘live in other cities, it has been cumbersome. So this is a solution that makes it much easier and it is also a good solution for us that bank, and that helps to hold down prices – in that it is self-catering, says Vidar Korsberg Dalsbø, Communications at DNB Bank, to DinSide.
– We assume that this is going to be used by most people who have a deposit account, says Korsberg Dalsbø.
In DNB can now create deposit account directly from your bank. The tenant and the landlord must complete their own form, and so must leash scanned and uploaded online banking, alternatively, the contract will be sent by mail or delivered directly to the bank.
DNB is not the only bank that offers digital establishment of a deposit account. This is possible also including at Nordea, who has had this service since June 2013 and at Sparebank 1
Also read: Deposit, warranties and dismissal times – this you must remember when you rent accommodation
Lessor shall pay for the creation of an account
It is common with a deposit equivalent to up to three months rent. Tenancy Act sets surely an upper limit on the deposit can not be more than six months’ rent.
The law also determines that the landlord should pay for the creation of a deposit account.
Interest påbeløper during the rental period, accrues however tenant.
Check the entry price
As mentioned, the landlord should pay for the cost of the creation of a deposit account. The fee can vary widely from bank to bank and also much within the same bank, depending on the landlord’s customer relationships.
Nordea take for example 500 million for the establishment of a deposit account if the landlord’s favor plus or Preferred Customer / check-in customer. If the landlord is basic customer or otherwise customer, the price is 1,000 dollars. But if the landlord has no business relationship with the bank, the establishment fee 2.000 million.
DNB takes 300 million for the creation of the account in your bank clients with the benefit of customers, and 600 million for the same establishment if this happens at one of the bank’s offices. Customers without special customer relationships have to pay 800 clients and customers in other bank must pay 1.500 million if they want to establish a deposit account at DNB Bank.
Landlord customer relationship determines the price
When establishing the fee to be determined, it is landlord’s customer relationships as a basis.
– If the tenant’s application customer or not has no effect on the size of entry fee, says Unni Strømstad, communications manager at Nordea, the DinSide.
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