{"id":65464,"date":"2026-09-16T13:20:25","date_gmt":"2026-09-16T11:20:25","guid":{"rendered":"https:\/\/www.smovin.app\/?page_id=65464"},"modified":"2026-09-16T13:20:27","modified_gmt":"2026-09-16T11:20:27","slug":"bail-commercial","status":"publish","type":"page","link":"https:\/\/www.smovin.app\/fr-be\/articles-garantie-locative\/bail-commercial\/","title":{"rendered":"Garantie locative en bail commercial : peut-on l\u2019adapter en Belgique ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Pour <strong>un propri\u00e9taire de bureaux<\/strong>, <strong>de commerces<\/strong> ou d\u2019<strong>un autre bien professionnel<\/strong>, <strong>la<\/strong> <a href=\"https:\/\/www.smovin.app\/fr-be\/garantie-locative\/\"><strong>garantie locative<\/strong><\/a> <strong><\/strong>constitue une s\u00e9curit\u00e9 en cas de <strong>loyers impay\u00e9s<\/strong>, de d\u00e9g\u00e2ts ou de manquement du locataire \u00e0 ses obligations contractuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e8gles applicables ne sont pas les m\u00eames que pour un logement lou\u00e9 comme r\u00e9sidence principale. Dans <strong><\/strong>le secteur r\u00e9sidentiel, <strong>la garantie locative<\/strong> est encadr\u00e9e par des r\u00e8gles r\u00e9gionales pr\u00e9cises. En mati\u00e8re de <strong>bail commercial<\/strong>, la logique est diff\u00e9rente : <strong>la garantie<\/strong> repose avant tout sur le contrat conclu entre les parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette libert\u00e9 offre davantage de possibilit\u00e9s au <strong>propri\u00e9taire<\/strong>. Elle implique aussi <strong><\/strong>une responsabilit\u00e9 suppl\u00e9mentaire : <strong>le montant<\/strong>, la forme de la garantie et les conditions permettant de l&#8217;utiliser doivent \u00eatre d\u00e9finis avec suffisamment de pr\u00e9cision pour \u00e9viter les contestations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alors, peut-on <strong>adapter une garantie locative<\/strong> en cours de <strong>bail commercial<\/strong> ? Dans quelles situations ? Et, comment s\u00e9curiser cette souplesse contractuelle ?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"garantie-residentielle-et-bail-commercial-deux-cadres-differents\"><a href=\"#garantie-residentielle-et-bail-commercial-deux-cadres-differents\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Garantie r\u00e9sidentielle et bail commercial : deux cadres diff\u00e9rents<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il est important de distinguer clairement les deux r\u00e9gimes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"le-residentiel-un-cadre-fortement-encadre\"><a href=\"#le-residentiel-un-cadre-fortement-encadre\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Le r\u00e9sidentiel : un cadre fortement encadr\u00e9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une r\u00e9sidence principale, la <strong>garantie locative<\/strong> est soumise \u00e0 des r\u00e8gles sp\u00e9cifiques qui varient selon la r\u00e9gion. Le propri\u00e9taire ne dispose donc pas de la m\u00eame libert\u00e9 pour d\u00e9terminer le montant, la forme de la <strong>garantie<\/strong> ou ses modalit\u00e9s de constitution.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e9glementation poursuit notamment un objectif de protection du locataire particulier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est alors impossible de reprendre automatiquement les pratiques du r\u00e9sidentiel pour un <strong>local commercial<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"le-bail-commercial-la-place-centrale-du-contrat\"><a href=\"#le-bail-commercial-la-place-centrale-du-contrat\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Le bail commercial : la place centrale du contrat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La situation est diff\u00e9rente pour un v\u00e9ritable <strong>bail commercial<\/strong>. La <a href=\"https:\/\/www.ejustice.just.fgov.be\"><strong>loi du 30 avril 1951<\/strong><\/a> organise principalement les r\u00e8gles propres au <strong>bail commercial<\/strong>. Cependant, elle ne pr\u00e9voit pas un r\u00e9gime g\u00e9n\u00e9ral de <strong>garantie locative<\/strong> comparable \u00e0 celui applicable \u00e0 la r\u00e9sidence principale. Les parties disposent donc d&#8217;une marge importante pour organiser contractuellement cette s\u00e9curit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>garantie<\/strong> peut notamment prendre diff\u00e9rentes formes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une somme vers\u00e9e \u00e0 titre de <strong>garantie<\/strong> ;<\/li>\n\n\n\n<li>une <strong>garantie<\/strong> <strong>bancaire<\/strong> ;<\/li>\n\n\n\n<li>une caution ou autre s\u00fbret\u00e9 personnelle ;<\/li>\n\n\n\n<li>un m\u00e9canisme combinant plusieurs protections, selon ce qui est convenu.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant lui-m\u00eame n&#8217;est pas fix\u00e9 par un plafond g\u00e9n\u00e9ral propre au <strong>bail commercial<\/strong>. En pratique, les parties peuvent donc pr\u00e9voir une <strong>garantie<\/strong> correspondant \u00e0 plusieurs mois de loyer, en fonction du niveau de risque et de la nature du contrat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 contractuelle constitue de ce fait le principal point de diff\u00e9rence avec le <strong>bail r\u00e9sidentiel<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"peut-on-adapter-la-garantie-locative-en-cours-de-bail-commercial\"><a href=\"#peut-on-adapter-la-garantie-locative-en-cours-de-bail-commercial\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Peut-on adapter la garantie locative en cours de bail commercial ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le fait que la <strong>garantie locative<\/strong> soit librement organis\u00e9e dans un <a href=\"https:\/\/www.smovin.app\/fr-be\/bail-commercial\/\"><strong>bail commercial<\/strong><\/a> ne signifie pas qu&#8217;un propri\u00e9taire peut modifier unilat\u00e9ralement son montant quand il le souhaite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La <strong>garantie<\/strong> r\u00e9sulte du contrat. Si le propri\u00e9taire souhaite augmenter ou modifier la s\u00fbret\u00e9 pr\u00e9vue initialement, il faut donc regarder attentivement les dispositions du <strong>bail<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs situations peuvent se pr\u00e9senter.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"une-clause-prevoit-une-adaptation\"><a href=\"#une-clause-prevoit-une-adaptation\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Une clause pr\u00e9voit une adaptation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le contrat peut pr\u00e9voir certaines modalit\u00e9s permettant de faire \u00e9voluer la <strong>garantie<\/strong>. Par exemple, les parties peuvent avoir anticip\u00e9 une modification du montant garanti lorsque le loyer \u00e9volue ou lorsqu&#8217;un \u00e9v\u00e9nement contractuellement d\u00e9fini intervient (cession du <strong>bail<\/strong>, changement de structure du locataire ou disparition d\u2019une <strong>garantie<\/strong> initialement fournie\u2026)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, il convient d&#8217;appliquer exactement le m\u00e9canisme pr\u00e9vu au contrat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"rien-nest-prevu-dans-le-bail\"><a href=\"#rien-nest-prevu-dans-le-bail\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Rien n&#8217;est pr\u00e9vu dans le bail<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si le contrat ne contient aucune clause permettant de modifier la <strong>garantie<\/strong>, le propri\u00e9taire ne devrait pas consid\u00e9rer qu&#8217;il peut simplement imposer une augmentation au locataire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une modification du contrat n\u00e9cessite en principe l&#8217;accord des parties.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la pratique, une adaptation peut alors \u00eatre n\u00e9goci\u00e9e par le biais d&#8217;un avenant. Celui-ci permet de formaliser le nouveau montant ou la nouvelle forme de <strong>garantie<\/strong> et d&#8217;\u00e9viter de laisser une modification importante reposer sur un simple \u00e9change informel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La souplesse du <strong>bail commercial<\/strong> ne dispense donc pas de formaliser les accords.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"pourquoi-adapter-une-garantie-locative\"><a href=\"#pourquoi-adapter-une-garantie-locative\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Pourquoi adapter une garantie locative ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;objectif n&#8217;est pas n\u00e9cessairement de demander la <strong>garantie<\/strong> la plus \u00e9lev\u00e9e possible d\u00e8s la signature.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un propri\u00e9taire professionnel, la question est plut\u00f4t de d\u00e9terminer si la <strong>garantie<\/strong> reste coh\u00e9rente avec le risque couvert pendant toute la dur\u00e9e du <strong>bail<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plusieurs \u00e9l\u00e9ments peuvent justifier une r\u00e9flexion sur ce point :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>une \u00e9volution importante du montant du loyer ;<\/li>\n\n\n\n<li>un changement dans la situation financi\u00e8re du locataire ;<\/li>\n\n\n\n<li>une modification de l&#8217;activit\u00e9 exerc\u00e9e dans les lieux ;<\/li>\n\n\n\n<li>une transformation du contrat ou de sa dur\u00e9e ;<\/li>\n\n\n\n<li>l&#8217;apparition de nouveaux risques li\u00e9s \u00e0 l&#8217;exploitation ;<\/li>\n\n\n\n<li>un changement de structure juridique du locataire.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"le-montant-de-la-garantie-doit-il-etre-identique-pour-tous-les-locataires\"><a href=\"#le-montant-de-la-garantie-doit-il-etre-identique-pour-tous-les-locataires\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Le montant de la garantie doit-il \u00eatre identique pour tous les locataires ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Non. C&#8217;est pr\u00e9cis\u00e9ment l&#8217;un des int\u00e9r\u00eats de la libert\u00e9 contractuelle applicable aux <a href=\"https:\/\/www.ejustice.just.fgov.be\"><strong>baux commerciaux<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le propri\u00e9taire peut tenir compte de diff\u00e9rents param\u00e8tres lors de la n\u00e9gociation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la solidit\u00e9 financi\u00e8re du locataire ;<\/li>\n\n\n\n<li>l&#8217;anciennet\u00e9 et la stabilit\u00e9 de son activit\u00e9 ;<\/li>\n\n\n\n<li>la nature du commerce ou de l&#8217;entreprise ;<\/li>\n\n\n\n<li>le montant du loyer et des charges ;<\/li>\n\n\n\n<li>les investissements r\u00e9alis\u00e9s dans le bien ;<\/li>\n\n\n\n<li>la dur\u00e9e du <strong>bail<\/strong> ;<\/li>\n\n\n\n<li>la pr\u00e9sence \u00e9ventuelle d&#8217;une caution ou d&#8217;une <strong>garantie bancaire<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Un grand groupe disposant d&#8217;une situation financi\u00e8re solide ne pr\u00e9sente pas n\u00e9cessairement le m\u00eame profil de risque qu&#8217;une jeune soci\u00e9t\u00e9 qui commence son activit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le propri\u00e9taire peut donc chercher un \u00e9quilibre entre la protection de son patrimoine et les conditions n\u00e9cessaires pour rendre le local attractif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>garantie<\/strong> trop \u00e9lev\u00e9e peut en effet repr\u00e9senter un frein pour certains locataires. \u00c0 l&#8217;inverse, une protection insuffisante peut exposer le propri\u00e9taire \u00e0 un risque financier important en cas de d\u00e9faut.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"quelle-garantie-pour-un-bureau-ou-un-commerce\"><a href=\"#quelle-garantie-pour-un-bureau-ou-un-commerce\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Quelle garantie pour un bureau ou un commerce ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La nature du bien peut \u00e9galement influencer la mani\u00e8re de structurer la <strong>garantie<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un commerce, le risque peut notamment \u00eatre li\u00e9 \u00e0 la capacit\u00e9 du locataire \u00e0 maintenir son activit\u00e9 et \u00e0 payer r\u00e9guli\u00e8rement son loyer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un bureau, d&#8217;autres \u00e9l\u00e9ments peuvent \u00eatre davantage pris en compte : dur\u00e9e d&#8217;engagement, solvabilit\u00e9 de la soci\u00e9t\u00e9, am\u00e9nagements sp\u00e9cifiques des locaux ou co\u00fbt potentiel d&#8217;une remise en \u00e9tat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;existe donc pas n\u00e9cessairement une \u00ab bonne \u00bb <strong>garantie locative<\/strong> valable pour tous les biens professionnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le propri\u00e9taire doit plut\u00f4t raisonner en fonction de son exposition r\u00e9elle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"comment-securiser-une-adaptation-sans-creer-de-litige\"><a href=\"#comment-securiser-une-adaptation-sans-creer-de-litige\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Comment s\u00e9curiser une adaptation sans cr\u00e9er de litige ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 contractuelle est utile uniquement si elle s&#8217;accompagne d&#8217;une r\u00e9daction pr\u00e9cise. Lorsqu&#8217;une adaptation est envisag\u00e9e, plusieurs \u00e9l\u00e9ments m\u00e9ritent une attention particuli\u00e8re.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"1-verifier-le-contrat-existant\"><a href=\"#1-verifier-le-contrat-existant\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>1. V\u00e9rifier le contrat existant<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant toute demande, relisez les clauses consacr\u00e9es \u00e0 la <strong>garantie<\/strong>, aux obligations du locataire, \u00e0 <a href=\"https:\/\/www.smovin.app\/fr-be\/indexation-loyer\/bail-%20commercial\/\"><strong>l&#8217;indexation<\/strong><\/a> et aux \u00e9ventuelles modifications du <strong>bail<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut notamment v\u00e9rifier si le contrat pr\u00e9voit d\u00e9j\u00e0 un m\u00e9canisme d&#8217;\u00e9volution de la <strong>garantie<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"2-definir-precisement-la-nouvelle-garantie\"><a href=\"#2-definir-precisement-la-nouvelle-garantie\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>2. D\u00e9finir pr\u00e9cis\u00e9ment la nouvelle garantie<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un accord ne devrait pas se limiter \u00e0 indiquer que \u00ab la <strong>garantie<\/strong> sera augment\u00e9e \u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est pr\u00e9f\u00e9rable de pr\u00e9ciser :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le nouveau montant ;<\/li>\n\n\n\n<li>sa forme ;<\/li>\n\n\n\n<li>les modalit\u00e9s de constitution ;<\/li>\n\n\n\n<li>les obligations couvertes ;<\/li>\n\n\n\n<li>les conditions dans lesquelles elle pourra \u00eatre mobilis\u00e9e ;<\/li>\n\n\n\n<li>les modalit\u00e9s de restitution en fin de <strong>bail<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"3-formaliser-laccord\"><a href=\"#3-formaliser-laccord\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>3. Formaliser l&#8217;accord<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque les parties conviennent d&#8217;une modification, un avenant \u00e9crit permet de conserver une trace claire de l&#8217;accord.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette pr\u00e9caution est particuli\u00e8rement importante pour les soci\u00e9t\u00e9s immobili\u00e8res qui g\u00e8rent plusieurs actifs et doivent pouvoir retrouver rapidement l&#8217;historique contractuel de chaque bien.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"4-conserver-les-justificatifs\"><a href=\"#4-conserver-les-justificatifs\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>4. Conserver les justificatifs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le propri\u00e9taire doit pouvoir d\u00e9montrer quelle <strong>garantie<\/strong> a \u00e9t\u00e9 constitu\u00e9e, \u00e0 quelle date et selon quelles conditions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette tra\u00e7abilit\u00e9 peut devenir particuli\u00e8rement utile en cas de changement de locataire, de cession du <strong>bail<\/strong> ou de diff\u00e9rend concernant des sommes dues.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une <strong>garantie<\/strong> bien d\u00e9finie est aussi une <strong>garantie<\/strong> correctement document\u00e9e.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" class=\"wp-block-heading\" id=\"une-flexibilite-a-piloter-avec-rigueur\"><a href=\"#une-flexibilite-a-piloter-avec-rigueur\" class=\"heading-link\"><i class=\"glyphicon glyphicon-link\"><\/i><\/a>Une flexibilit\u00e9 \u00e0 piloter avec rigueur<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un propri\u00e9taire professionnel, l&#8217;int\u00e9r\u00eat du r\u00e9gime du <strong>bail commercial<\/strong> r\u00e9side moins dans la possibilit\u00e9 de demander une <strong>garantie<\/strong> \u00e9lev\u00e9e que dans la libert\u00e9 de construire une protection adapt\u00e9e \u00e0 chaque situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette flexibilit\u00e9 permet de tenir compte du profil du locataire, du montant du loyer, de la nature du bien et de l&#8217;\u00e9volution de la relation contractuelle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais elle implique \u00e9galement de ne pas improviser. Une modification du montant ou de la forme de la <strong>garantie<\/strong> ne doit pas \u00eatre confondue avec une d\u00e9cision unilat\u00e9rale du propri\u00e9taire. Lorsque le contrat ne pr\u00e9voit pas d&#8217;adaptation, l&#8217;accord du locataire et une formalisation \u00e9crite sont essentiels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les propri\u00e9taires qui g\u00e8rent plusieurs bureaux, commerces ou autres actifs professionnels, le v\u00e9ritable enjeu est \u00e9galement de suivre ces \u00e9l\u00e9ments dans le temps : dates d&#8217;\u00e9ch\u00e9ance, indexations, <strong>garanties<\/strong> constitu\u00e9es, avenants et obligations contractuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Des outils de gestion locative comme <strong><\/strong><a href=\"https:\/\/www.smovin.app\/fr-be\/\"><strong>Smovin<\/strong><\/a> <strong><\/strong>peuvent accompagner ce suivi en centralisant les informations li\u00e9es aux <strong>baux commerciaux<\/strong> et en donnant au <strong>propri\u00e9taire<\/strong> une vision plus claire de son portefeuille.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.smovin.app\/fr-be\/rendez-vous\/?utm_source=seo&amp;utm_medium=article-54-rdv&amp;utm_campaign=banner-rdv\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"307\" src=\"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1024x307.png\" alt=\"\" class=\"wp-image-58346\" srcset=\"https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1024x307.png 1024w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-300x90.png 300w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-768x230.png 768w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv-1536x461.png 1536w, https:\/\/www.smovin.app\/wp-content\/uploads\/2025\/01\/Banner-demande-de-rdv.png 2000w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Pour un propri\u00e9taire de bureaux, de commerces ou d\u2019un autre bien professionnel, la garantie locative constitue une s\u00e9curit\u00e9 en cas [&hellip;]<\/p>\n","protected":false},"author":208846801,"featured_media":65459,"parent":31299,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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