u/Several-Dimension-91

My wife and I are moving from Brazil to Spain at the end of August, and my main concern right now is whether our profile would qualify for seguro de impago when applying for a rental.

I already have an indefinite employment contract signed with a Spanish company, starting in early September, with a gross salary of €83,000/year. However, when we start looking for apartments I will have just started the job, so:

• I won’t have Spanish payslips yet
• I won’t have passed the probation period yet
• I can provide my signed Spanish employment contract
• I can provide my latest Brazilian payslips
• My wife will initially be unemployed in Spain and will look for work after we move
• We have more than BRL 650,000 in combined investments/savings (roughly €108,000), which we can document

My salary will therefore be our main source of income initially.

What I’m trying to understand is how rent default insurers actually assess a profile like this. Is a newly signed Spanish employment contract, together with foreign payslips and substantial savings, usually enough for the application to at least be considered?

Or do insurers generally require things such as 3 Spanish payslips and having already passed the probation period?

I’ve seen agencies asking specifically for 3 payslips, while others seem to carry out a broader solvency assessment, so I’m not sure whether this is an insurance requirement or simply the policy of each agency/insurer.

And if the insurance company rejects our profile, what alternatives are normally accepted in practice? For example, would offering several months of rent upfront (say, 6 months) help, or would landlords usually prefer something like an additional guarantee, bank guarantee or guarantor?

As for the rental itself, we’ll initially stay in temporary accommodation in Madrid and are looking to move into a long-term rental around mid/late September.

Our target is:

• Furnished apartment
• At least 2 bedrooms
• Long-term rental / main residence, not seasonal
• Empadronamiento must be possible
• Ideally up to €1,400/month around Madrid
• If the total commute to Madrid is closer to 1h–1h20, I’d only consider places below €1,000/month
• We’re also seriously considering Toledo because rents are considerably cheaper

My current strategy is to prioritize established agencies such as Redpiso, Alquiler Seguro, Tecnocasa and reputable local agencies in Toledo. I’m contacting them through their official websites/email, explaining our financial situation before sending documents and asking whether our profile can pass their solvency check.

I also plan to only send watermarked copies of passports, NIE, employment contract, payslips and financial documents, and whenever possible visit the apartment in person after we arrive before paying or signing anything.

For people familiar with the Spanish rental market: does our financial profile seem viable for seguro de impago? If not, what would be the most realistic alternative? And does this overall approach to finding a rental make sense?

Hello everyone. I recently got a job offer that requires me to live in Spain and I should be moving in late August/ early September. I can choose anywhere in Spain. It's me my wife and my dog, which is a whippet - medium sized dog.

My first 30 days of accomodation will be paid by my employer.

I've been checking on idealista for places in Galicia because of the weather - I come from a tropical country which I think it's the hottest i can tolerate but in most of Spain the summer is hotter than in my country - except for the north.

But then I also face the problem of finding a rent that accepts my dog - when i toggle the "si acepta mascotas" filter on Idealista, It hides like 95% of the options.

So because it seems so scarce I considered contacting a relocation company that does this kind of job. Then I found out this company would charge me 2000 € for the service which is absolutely off limits.

The other plan would be to use the first 30 days to search for a rent my self with boots on the ground - but I'm afraid of that not working.

While I prefer Galicia for the weather, the priority is definitely find a place that accepts my dog (from Idealista It seems like the province of Alicante is the best for that).

Also I have doubts about landlords accepting foreigners. I don't have things like "nóminas españolas", probably won't have a TIE upon arriving. I'll have my passport, NIE, work contract, I can make one month deposit etc.

I'd appreciate tips from someone more experienced with this, I have no idea of what is like to hunt for rent in Spain.