How to Rent Your Property Safely in 2025: Legal and Tax Keys

If you have an empty property and are thinking about renting it out, this article is for you. In 2025, renting with guarantees involves more than just finding a solvent tenant—you need to understand current regulations, protect yourself legally, and take advantage of available tax benefits. Let’s go step-by-step through everything you need to consider to rent securely, without surprises, and in full compliance with the law.

What does “renting with guarantees” mean in 2025?

It’s not just about signing a contract and handing over the keys. Renting with guarantees today involves:

• Selecting the right tenant.
• Drafting a solid contract in line with current regulations.
• Requiring reasonable economic and legal guarantees.
• Fulfilling your tax and administrative duties as a landlord.

Furthermore, with the enforcement of measures derived from the Housing Law 12/2023 and its development in some autonomous communities, special attention must be paid to several key aspects.

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Legal keys: What you cannot overlook

1. Updated and registered contract

• Make sure the contract complies with current legislation: a minimum duration of 5 years (or 7 for legal entities), automatic renewals, and restrictions on price increases.
• Register the contract with the relevant regional authority if required by your local laws.

2. Mandatory deposit and additional guarantees

• The law establishes a mandatory deposit equal to one month’s rent. If you want to request extra guarantees such as additional deposits or a bank guarantee, they must be clearly stated in the contract.
• Note: In officially designated tensioned zones, limits apply to these guarantees.

3. Energy efficiency certificate

• It’s been mandatory for years but is still often overlooked. Without it, you can’t legally formalize or advertise the rental.

4. Regulations for stressed areas

• If your property is in a declared “stressed residential market,” rental price limits and special conditions apply. You can check the updated list on the Ministry of Housing’s website.

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How to choose a solvent tenant

One of landlords’ biggest concerns is non-payment. While there’s no foolproof method, effective steps to minimize risk include:

• Requesting proof of stable income (pay slips or tax returns).
• Checking debtor lists (with tenant consent).
• Asking for a bank guarantee or rental default insurance. In 2025, many insurers offer policies that cover default, legal defense, and even property damage.

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What to consider fiscally

Renting with guarantees in 2025 also means complying with tax obligations. But if done correctly and in line with current landlord tax laws, you can significantly reduce your tax burden:

• Declare rental income in your personal income tax (IRPF): You must declare it as income from real estate capital.
• 50% or 90% reduction: In 2025, if you rent the property as a primary residence and meet certain criteria (price limits, low-income tenants, stressed area), you may qualify for significant deductions.
• More information: BOE – Law 12/2023.

Deductible expenses include:

• Mortgage interest.
• Repairs and maintenance (not renovations).
• Taxes and fees (property tax, garbage, HOA).
• Home and rental insurance.
• Real estate management services.

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2025 Rental Guarantees: Quick Checklist

Don’t forget the essentials—here’s a summary:

• Draft a contract in line with current law.
• Request the mandatory deposit and extra guarantees if needed.
• Verify tenant solvency.
• Get default insurance.
• Register the contract if required in your region.
• Declare income and apply deductions.
• Check if your property is in a stressed area and adjust accordingly.

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Renting your property with guarantees in 2025 can be a stable source of income—if done wisely and with knowledge. Rental guarantees are not just a legal formality; they are a way to protect your peace of mind. Staying informed, anticipating regulatory changes, and choosing the right tenant are key to enjoying a stress-free rental relationship.

At KM2 News, we keep you updated with all the latest developments in the housing sector so you can make the best decisions—whether you’re a landlord or a tenant.