Renting in Finland (From Finding, Renting & Moving Out)

Renting in Finland can be straightforward, provided you have the right information. The country offers a variety of rental options, from modern city-center apartments to more spacious options in suburban and rural areas.

Familiarizing yourself with the Finnish rental process can save you time and avoid potential misunderstandings. This includes comprehending rental agreements, knowing your rights and responsibilities as a tenant, and managing financial aspects such as rent, deposits, and additional costs.

Finding a Rental Property

Securing a rental property in Finland requires knowledge of the right tools and an understanding of what to expect from the market. Here’s how you can start your search and what to consider during the process.

Websites and Platforms

Oikotie and Vuokraovi: Two of the most popular online platforms for rental listings in Finland. They offer extensive filters to narrow down your search according to your preferences.

Tori.fi: A general classifieds website that also lists rental properties, often including private listings not found on more specialized rental sites.

Importance of Location

City Centers vs. Suburban Areas: Rent in city centers, especially in Helsinki, is significantly higher than in suburban areas. However, living in the center offers convenience and proximity to amenities and public transportation.

Consider Your Commute: If you’re working or studying, consider the commute time from your potential home to your workplace or institution. Finland’s public transport system is reliable, and even suburban areas are well-connected.

Networking and Community Groups

Facebook groups and forums for expats in Finland can be invaluable resources. Members often share listings and tips about upcoming vacancies.

Sometimes, the best way to find a rental property is through networking. Inform your colleagues, friends, or community members that you are looking for a place. Personal recommendations can lead to opportunities that are not advertised publicly.

Viewing Properties

Once you find a property that interests you, contact the landlord or real estate agent to schedule a viewing. Be prompt and prepared to make a decision quickly, as the rental market can be competitive, especially in popular areas.

Inquire about the rental terms; utilities included the possibility of renewing the lease, and any rules or restrictions.

Application Process

Documentation Needed

Be ready to provide proof of income or employment, identification, and possibly references from previous landlords. Some landlords might also require a credit check.

Deposit and First Month’s Rent

Typically, you’ll need to pay a security deposit along with the first month’s rent once your application is accepted. The deposit is usually equivalent to one to three months’ rent.

Understanding Rental Agreements

Entering a rental agreement in Finland marks a significant step in securing your new home. It’s essential to understand the components of the agreement to ensure your rights are protected and you fulfill your responsibilities as a tenant.

Key Components of a Finnish Rental Agreement

Component	Description
Parties Involved	Identifies landlord and tenant.
Property Details	Address and description of the rental property.
Lease Duration	Specifies if the lease is fixed-term or indefinite.
Rent Details	Amount, payment intervals, and conditions for rent increases.
Security Deposit	Amount and conditions for its return.
Utilities and Additional Costs	Which utilities are included and other fees (e.g., parking, sauna access).
Maintenance and Repairs	Responsibilities for upkeep and repair works.
Alterations to the Property	Conditions for making changes to the property.
Notice Periods	Required notice periods for lease termination by tenants and landlords.

• Parties Involved: Clearly identifies the landlord (lessor) and tenant (lessee).
• Property Details: Specifies the address and detailed description of the rental property, including the size and type of dwelling.
• Lease Duration: States whether the lease is fixed-term or indefinite. Fixed-term leases automatically expire at the end of the term, while indefinite leases continue until terminated by either party.
• Rent Details: Includes the amount of rent, payment intervals (usually monthly), and the due date. It should also outline the conditions for any future rent increases.
• Security Deposit: Specifies the amount, typically equivalent to one to three months’ rent, and the conditions for its return after the lease ends.
• Utilities and Additional Costs: Clarifies which utilities (if any) are included in the rent and which are the tenant’s responsibility. It may also mention other fees, such as parking or sauna access.

Understanding Your Rights and Obligations

• Maintenance and Repairs: Understand what maintenance tasks are your responsibility and what falls to the landlord. Normally, tenants handle minor upkeep, while landlords are responsible for major repairs and maintenance.
• Alterations to the Property: Before making any changes to the property, such as painting walls or installing fixtures, you must typically obtain the landlord’s permission.
• Notice Periods: Familiarize yourself with the notice periods for tenants and landlords. These periods vary depending on the lease type and duration.

Reading the Agreement Carefully

• Terms and Conditions: Make sure you fully understand every aspect of the agreement. Pay special attention to any clauses about lease termination, subletting, and rules concerning the use of common areas.
• Ask Questions: If anything is unclear, do not hesitate to ask the landlord or a legal advisor for clarification. It’s better to address any uncertainties before signing the agreement.

Finalizing the Agreement

• Signing the Agreement: Once you are comfortable with the terms, both parties should sign the agreement. Ensure you receive a copy for your records.
• Initial Payments: Be prepared to make the initial payments, including the security deposit and first month’s rent, as agreed upon in the contract.

Financial Considerations When Renting in Finland

When renting in Finland, it’s crucial to budget not only for your monthly rent but also for other associated costs. Being financially prepared ensures a smoother transition into your new home.

Overview of Average Rental Prices

In cities like Helsinki, Espoo, and Tampere, rental prices can be significantly higher compared to smaller towns or rural areas. For instance, a one-bedroom apartment in Helsinki city center might cost considerably more than a similar property in a smaller town.

Opting for accommodations in suburban areas can reduce your monthly rent. However, consider transportation costs that might increase as a result.

Additional Costs to Consider

• Utilities: Not all rental agreements include utilities in the monthly rent. You may need to pay separately for electricity, water, and heating. Budgeting €50-€100 per month for utilities is advisable, depending on the size of your apartment and usage.
• Internet and TV: These services are usually not included in the rent. The cost can vary depending on the provider and package, but expect to spend around €20-€50 per month.
• Home Insurance: Although not always mandatory, taking out home insurance is strongly recommended. It protects against damages and theft, with costs depending on the coverage extent and property size.
• Rubbish Collection Fee: In some municipalities, there might be a separate charge for rubbish collection, though it’s often included in the rent.

Tips for Managing Rental Expenses

• Compare Utility Providers: If utilities are not included, compare prices from different providers to find the most cost-effective options.
• Energy Efficiency: Opt for energy-efficient appliances and practices to lower utility bills. Simple actions like turning off lights when not in use can make a difference.
• Furnishing Your Apartment: Consider second-hand furniture or community giveaway sites to furnish your apartment more affordably. Many expat and local community groups online share information about free or low-cost items.

Security Deposit

The security deposit must be paid upfront, often equivalent to one to three months’ rent. It is refundable at the end of your tenancy, provided the property is not damaged.

Factor this into your initial budgeting to avoid any surprises.

Related: Types of Loans in Finland: The Ultimate Guide for Foreigners

Legal Rights and Responsibilities

In Finland, tenants enjoy a high level of protection under the law, but they also have responsibilities to uphold. Understanding these legal aspects is crucial for a harmonious rental experience.

Tenant Rights

Privacy

Landlords must respect your privacy. They cannot enter your rented property without prior notice and a valid reason, such as necessary repairs or inspections.

Repairs and Maintenance

Landlords are responsible for ensuring the property is in good condition and carrying out major repairs. Tenants should promptly report any issues.

Notice Periods for Lease Termination

For indefinite leases, tenants usually need to give one month’s notice, while landlords must provide six months’ notice if the tenancy has lasted less than a year, and nine months’ notice thereafter. Fixed-term leases cannot be terminated early unless both parties agree.

Landlord Responsibilities

Property Maintenance

Landlords must keep the property in a livable condition. This includes fixing structural issues, heating, and plumbing, and ensuring the property meets safety standards.

Security Deposit

The landlord must return the security deposit at the end of the lease, minus any costs for repairs due to damage beyond normal wear and tear caused by the tenant.

Legal Compliance

Landlords must adhere to local housing regulations and laws, including those related to rental pricing, safety standards, and discrimination.

Steps to Take if Disputes Arise

Document Everything

Keep detailed records of all communications with your landlord, including emails, texts, and notes from phone calls or in-person conversations.

Seek Advice

Many organizations offer free or low-cost legal advice to tenants about their rights and options for dispute resolution.

Practical Tips for Renters

Navigating the rental market in Finland can be much smoother with a few practical tips. From registering your address to setting up utilities, these steps ensure you settle into your new home without unnecessary stress.

Registering Your Address

• Local Register Office: Upon moving into your new rental, you must register your address at the Local Register Office (Maistraatti). This is crucial for accessing public services and ensuring your mail is correctly delivered.
• Population Information System: Registration updates the Population Information System, affecting your eligibility for certain municipal services and benefits.

Setting Up Utilities and Internet Service

• Utility Contracts: If utilities are not included in your rent, you’ll need to set up contracts with service providers. This typically includes electricity and sometimes water, depending on your rental agreement.
• Internet and TV Services: Compare different providers and plans to find the best fit for your needs. Many companies offer bundled services at a discount.

Furnishing Your Rental

• Affordable Options: Look into second-hand stores, online marketplaces, and community groups for affordable or even free furniture and household items.
• IKEA and Other Retailers: For new items, retailers like IKEA offer a range of products at various price points that can be suitable for furnishing your apartment on a budget.

Tips for a Smooth Living Experience

• Know Your Neighbors: Introducing yourself to your neighbors can create a friendly living environment and can be helpful in emergency situations.
• Understanding Recycling and Waste Disposal: Finland takes recycling seriously. Familiarize yourself with the local recycling system and waste disposal schedules.
• Emergency Preparedness: Know the emergency contact numbers and the location of the nearest hospital or clinic.

Maintenance and Upkeep

• Regular Cleaning: Keeping your rental clean can prevent issues with mold and pests, and ensure you get your full security deposit back when moving out.
• Minor Repairs: While major repairs should be handled by the landlord, being prepared to do minor fixes can save time and hassle.

Moving Out and Ending the Lease

The process of moving out and ending a lease in Finland is governed by specific rules and customs. Adhering to these can ensure a smooth transition for both tenants and landlords. Here’s what you need to know when it’s time to move on.

Proper Notice Periods

Indefinite Leases

Tenants are typically required to give one month’s notice in writing. Landlords must provide a longer notice period, usually six or nine months, depending on the duration of the tenancy.

Fixed-term Leases

These automatically end on the specified date without the need for notice. However, if you wish to leave earlier, a mutual agreement with the landlord is necessary.

Cleaning and Repairs

Tenants are expected to thoroughly clean the apartment before moving out. This includes washing floors, cleaning the bathroom and kitchen appliances, and removing all personal belongings.

If you’ve caused damage beyond normal wear and tear, it’s your responsibility to repair these issues or compensate the landlord.

Final Inspection

Schedule a final walk-through with the landlord or property manager. This is when you’ll review the apartment’s condition, return keys, and discuss any potential issues.

If there are disagreements about the state of the apartment or damages, try to resolve them directly. If that’s not possible, you may need to seek mediation or legal advice.

Getting Your Security Deposit Back

The security deposit should be returned to you after you move out, provided there are no damages or outstanding rent. If the apartment is not left in an acceptable condition, deductions can be made for repairs or cleaning.

The return of the deposit is typically subject to a final inspection of the property. The exact timing can vary, so it’s important to discuss this with your landlord.

Forwarding Your Mail

Update your address. Notify the Local Register Office and other relevant parties of your new address to ensure you continue to receive mail without interruption.

Utilities and Services

Take note of final readings for utilities if you’re responsible for these payments. Inform service providers of your departure to close accounts or transfer services.

Additional Resources