Accommodation in Finland is usually in flats; there are not very many detached houses in cities. Housing available on the open market is advertised in newspapers, online and through estate agents. Occupancy rates are high, particularly in Helsinki, and it can sometimes be very difficult and time-consuming to find what you want.

Agents’ fees are on average high by international standards, and the cheapest option is to rent directly from the owner. Let any friends or colleagues know that you are looking for housing – many flats are snatched up before they reach the open market.

There are many agents that list both long-term rental properties (usually on 12-month renewable contracts) and properties for sale.

General information about renting

If you are renting a house or a flat, always sign a written contract with your landlord or landlady. It is important that you understand every aspect of the contract before you put pen to paper. When you are renting, you may have to pay a deposit that is equivalent to 1–2 months’ rent. You will get the deposit back when you move out.

The rent is usually paid monthly in advance. Your rent may go up even during the period of your rental contract. When you are moving out, you have to inform your landlord one month in advance. Electricity and water may or may not be included in your rent; always check with your landlord.

Rental housing is available through the private housing market. Friends and colleagues are good contacts if you are looking for a place to rent, but there are many other options, too.

Estate and letting agents

Private estate and letting agents have websites where they advertise flats and houses that are for rent or for sale. It’s important that you understand the terms and conditions of the rental contract you are signing. Your landlord will often have a contract with the agent that authorises the latter to charge you a commission.

Electricity

Rentals do not usually include electricity in the rent, and you have to sign up with an electricity company.

Water

Your rental agreement will state whether water is included in the rent or whether it is charged separately each month.

Television fee

If you have a television set in your flat or house, you will be required to pay a television fee. The fee is payable in one-month, three-month, six-month or twelve-month instalments. Notify the authority before you start watching television: you can do this by phone or online.

Home insurance and fire alarm

Go to an insurance company to get home insurance; they will help you to choose the right kind of insurance. Make sure you know exactly what is covered by your insurance.

Household appliances are the tenant’s responsibility, so it’s up to you to look after your refrigerator, freezer, cooker, cooker hood and washing machine.

In Finland, it is law that every home is equipped with a fire alarm. Make sure your fire alarm is in working order. Your home insurance will not cover any damage caused by fire if your fire alarm was out of order prior to and during the fire.

For more details on housing and accommodation in Finland, visit the following websites:

expat-finland.com

infopankki.fi

suomi.fi