<p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Finding the right home in a growing urban center like Tampere often requires balancing a great location, reasonable costs, and flexible lease terms. Many landlords lock tenants into long fixed-term commitments, which can create unnecessary uncertainty. That is why flexible solutions and fair lease terms are key factors when searching for rental apartments in Tampere.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;"><a style="align-items:center;background-color:#004b7a;border-radius:40px;color:#ffffff;display:inline-flex;font-size:16px;font-weight:400;height:48px;justify-content:center;padding:0 32px;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?application_type=rental&amp;region=PIR&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;order_by=-publication&amp;limit=12&amp;offset=0">View available rental apartments in Tampere</a></p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">&nbsp;</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">The Benefits of a Flexible Lease in Changing Life Situations</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Committing to a rigid 12-month fixed-term contract is a common practice in the housing market. However, it can become an obstacle if sudden changes occur in life – such as a new job in another city, changes in family size, or completing your studies. Many landlords require lease agreements to stipulate that the earliest possible termination date is 12 months from the start of the contract, imposing a penalty fee for breaking it early.&nbsp;<br><br><strong>YH Kodit does not require a 12-month commitment from residents. The notice period for an apartment is one full calendar month.</strong> An open-ended lease without early termination restrictions offers true flexibility and peace of mind.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">The initial financial burden of moving can also be eased. A reasonable security deposit, equal to just one month's rent, makes settling into a new home much easier compared to the two or three months' rent often required on the private market. <strong>Additionally, pets are always warmly welcome into their new home as valued family members, with no separate deposit fees required.</strong></p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:24px 0;"><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Pets welcome</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">No 12-month commitment</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Security deposit: 1 month's rent</div></div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Varke Apartments and Tenant Selection Criteria in the Tampere Region</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Varke homes offer affordable, safe, and high-quality living. Thanks to state support, rent levels remain moderate, making financial planning easier and leaving more funds for everyday expenses or savings. The Housing Finance and Development Centre (Varke) regulates rent levels and tenant selection for these apartments to ensure a socially and economically sustainable housing policy.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;"><a style="align-items:center;background-color:#004b7a;border-radius:40px;color:#ffffff;display:inline-flex;font-size:16px;font-weight:400;height:48px;justify-content:center;padding:0 32px;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/blog/check-these-before-signing-the-rental-agreement">Read more about Varke apartments</a></p><div style="background-color:#d4e4f7;border-left:4px solid #0070BA;margin:30px 0;padding:24px;"><p><span style="color:#222222;font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>Important note on tenant selection</strong></span></span></p><p style="color:#222222;font-size:16px;line-height:1.5;margin:0;">Tenant selection for Varke apartments follows income limits that took effect at the beginning of 2025. For example, gross income for a single-person household may not exceed <strong>€3,540/month</strong>. If the household includes multiple adults, the limits increase accordingly. In addition, an asset limit applies to applicants, taking into account real estate, land, housing shares, and investments.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Applicants verify their income and assets through supporting documents submitted with their application. Asset limits ensure that applicants do not possess liquidatable wealth that would enable them to purchase a comparable apartment on the open market. If you are looking for a flexible and reliable home in Pirkanmaa, check our current application guidelines and available properties on our <a style="color:#0070ba;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/vuokra-asunnot"><u>rental apartments</u></a> page, or browse available homes directly using our <a style="color:#0070ba;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;lang=fi&amp;application_type=rental"><u>Tampere rental housing</u></a> search service.</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Right-of-Occupancy and Homeownership as Flexible Alternatives</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Renting may not be the best long-term solution for everyone, even if its flexibility is appealing. In growing urban centers like Tampere and Turku, residents' needs and financial resources vary significantly. That is why the housing market needs versatile alternatives that bridge the gap between renting and traditional homeownership.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Right-of-occupancy housing (asumisoikeus) is a responsible, sustainable, and affordable option. It provides the stability of homeownership without needing a large personal mortgage. By paying a reasonable right-of-occupancy fee, residents secure lifelong tenure in their home. Monthly living costs remain stable thanks to a monthly occupancy fee. This model is especially well-suited for families and singles who value predictable finances and want to avoid risks associated with housing market fluctuations.</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Smooth Everyday Living and Resident Services in a Digital Environment</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">A great living experience is built on more than square footage and location – it is about smooth everyday routines. Once a new home is found, effortless management becomes central. Modern housing providers focus on digital services so residents can handle housing matters flexibly, anytime and anywhere.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Through the online Oma YH Kodit resident portal (oma.yhkodit.fi), you can view your lease agreement, track rent payments, and submit official notices directly from your smartphone or computer. The digital platform eliminates the need to queue on customer service calls or visit an office during business hours. If your home needs maintenance, or if you want to book a sauna slot or parking space, the system routes your request directly to property maintenance or the property manager. You can also conveniently track the status of your maintenance requests in the same portal.</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">High-Quality, Worry-Free Living in Growth Centers</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Choosing a home is a major decision that impacts daily well-being and financial flexibility. In developing urban regions like Tampere and Turku, flexibility and reliability are a resident's best safeguards. Whether you choose a flexible rental apartment, a secure right-of-occupancy home, or a newly built owner-occupied property, clear contract terms and quality maintenance ensure worry-free living.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:30px;">When a property owner has clear practices – such as a one-calendar-month notice period and a security deposit equal to one month's rent – you can make your housing decision with confidence. A pet-friendly policy and modern digital channels like the Oma YH Kodit portal help turn an apartment into a functional home where you can live on your own terms.</p><div style="background-color:#d4e4f7;border-left:4px solid #004b7a;margin-top:40px;padding:40px;"><p><span style="color:#004b7a;font-size:12px;"><span style="display:block;letter-spacing:0.1em;margin-bottom:8px;text-transform:uppercase;"><strong>Find Your New Home in Pirkanmaa</strong></span></span></p><h3 style="color:#222222;font-size:22px;font-weight:300;line-height:1.3;margin-bottom:16px;">Carefree and Flexible Living Solutions from YH Kodit</h3><p style="color:#222222;font-size:16px;line-height:1.6;margin-bottom:24px;">YH Kodit provides reliable and modern homes for different stages of life across the Tampere and Turku regions. Our lease agreements are flexible with no binding fixed-term lock-in, pets are welcome, and the security deposit equals just one month's rent. You also have access to the Oma YH Kodit portal, making everyday living and managing housing matters easy. Explore our available properties and submit an application today.</p><p><a style="align-items:center;background-color:#004b7a;border-radius:40px;color:#ffffff;display:inline-flex;font-size:16px;font-weight:400;height:48px;justify-content:center;padding:0 32px;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?application_type=rental&amp;region=PIR&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;order_by=-publication&amp;limit=12&amp;offset=0">View available rental apartments</a></p></div>

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Looking for a Rental Apartment in Tampere Without a 12-Month Lock-In? Enjoy Flexible Leases and Pet-Friendly Homes

<div style="font-family:'Segoe UI';font-size:14px;font-style:normal;font-weight:400;line-height:20px;"><p>Renting your first home is a big step toward independent living for many students and young adults. However, a rental agreement should never be signed in a hurry. It is important to read it carefully and understand its terms. By checking the key details in advance, you can avoid unpleasant surprises and make a well-informed decision.</p><h2>Check the Rent and Other Costs</h2><p>The first thing to find out is the amount of the rent and what is included in it. For example, are water, electricity, internet access, or a parking space included in the monthly rent, or are they charged separately? You should also check the rent due date and any late payment fees that may apply.</p><h2>Understand the Length of the Agreement</h2><p>A rental agreement can be either fixed-term or open-ended. A fixed-term agreement usually binds both parties for the entire agreed period, while an open-ended agreement can be terminated according to the law and the terms of the contract. Make sure you understand what type of agreement you are committing to.</p><p><meta content="text/html; charset=us-ascii" http-equiv="Content-Type"><style>
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</style></p><div style="font-family:'Segoe UI';font-size:14px;font-style:normal;font-weight:400;line-height:20px;"><h2>Read the Agreement Carefully</h2><p>Always read the entire rental agreement before signing it. If any part of the contract is unclear, ask the landlord for clarification. Pay close attention to terms related to pets, smoking, home insurance, renovations, and subletting.</p><h2>Understand Your Rights and Responsibilities</h2><p>Both tenants and landlords have their own responsibilities. Tenants are expected to take good care of the property, pay rent on time, and report any issues or damage without delay. Landlords are generally responsible for maintaining the property and handling major repairs. When both parties understand their responsibilities, misunderstandings can often be avoided.</p><h2>Conclusion</h2><p>Signing a rental agreement is an important decision and deserves careful consideration. By checking the rent and additional costs, the duration of the agreement, the security deposit, the condition of the property, the neighborhood, local services, and the contract terms, you can make a confident and informed choice. Careful preparation will help you find a home where everyday life runs smoothly and where you can begin this new stage of life with peace of mind.</p></div></div></div>

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Check these before signing the Rental agreement

<section style="background-color:#ffffff;color:#222222;font-family:Inter, sans-serif;margin:0 auto;max-width:1280px;padding:60px 20px;"><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Finding the right home in sought-after growth cities like Tampere and Turku often requires carefully balancing financial flexibility with stability of tenure. Many people find themselves weighing whether to commit to a large, long-term mortgage at this stage of their life, or whether a more affordable and hassle-free rental apartment is the better choice. Fortunately, the housing market offers excellent options that sit between conventional renting and ownership — or that are based on state-subsidised, affordable rental housing. Varke apartments and right-of-occupancy homes offer residents long-term stability and financial security without significant personal risk.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">In growing cities, a diverse and resident-focused housing offering serves people best. When life circumstances change — as a family grows, studies progress or a new job comes along — flexible contract terms become extremely valuable. As a responsible housing provider, YH Kodit operates with straightforward and fair agreements, where the rental deposit is typically equivalent to just one month's rent. Our open-ended tenancy agreements are subject to a one calendar month notice period, making it easier to plan a move and build a new everyday life without the worry of long and inflexible fixed-term commitments.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">What are Varke apartments and how does resident selection work?</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;"><br>Varke apartments are state-subsidised rental homes that offer affordable, high-quality housing. The term Varke refers to the Centre for State-Supported Housing Construction (formerly ARA), which began operations on 1 March 2025 and took over the statutory responsibilities of the previous Housing Finance and Development Centre. The core principle of Varke-funded housing is clear and socially significant: the aim is to ensure that everyone has access to a safe and well-maintained home regardless of their financial situation. A significant portion of YH Kodit's housing stock consists of these regulated Varke apartments, where rent levels are always kept reasonable.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">In state-subsidised housing, resident selection is governed by precise statutory criteria known as needs assessment. The process always takes into account the applicant's genuine housing need, income level and current assets. This system ensures that affordable homes are allocated fairly and on social grounds to those who need them most. Applicants are not placed in a queue by application date; instead, when a home becomes available, the household with the greatest need is always selected from among the applicants.</p><div style="background-color:#d4e4f7;border-left:4px solid #0070BA;margin:30px 0;padding:24px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>Income and asset limits for resident selection</strong></span></span></p><p style="font-size:16px;line-height:1.5;margin:0;">The monthly gross income of a single-person household must not exceed €3,540. In addition, a property-specific asset limit applies, whereby the applicant's owned real estate, housing shares, investment funds or other investment assets are assessed in relation to their housing need.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Thanks to these regulated limits, high-quality and affordable apartments remain within reach of those for whom market-rate housing would represent too great a financial burden. An applicant's life situation and the reasons for their housing need are always assessed as a whole, to ensure social sustainability and equal treatment. Signing a contract has been made straightforward, and a deposit equivalent to one month's rent lowers the threshold for moving into a new home and makes everyday planning easier.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Right-of-occupancy homes offer stress-free living without the risks of ownership</h2><p><br>&nbsp;A right-of-occupancy apartment is a highly practical and popular option for those who want the permanence, security and freedom to decorate that comes with ownership — without taking on a large personal mortgage. Under the right-of-occupancy system, residents pay an initial one-off occupancy fee, which is typically 15 per cent of the apartment's original purchase price. In addition, a monthly maintenance charge is paid, calculated on a cost-price basis and often below the market rent level of comparable privately financed apartments in the area.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">It is a responsible, community-minded and affordable housing model. When a resident vacates a right-of-occupancy apartment, the original occupancy fee is returned, adjusted in line with the building cost index. The invested capital therefore retains its value excellently, and the resident bears no risk from general fluctuations in the housing market or from reselling the apartment.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Whether you are planning a move to the Tampere or Turku region, the application process is straightforward. Following a legislative amendment that came into force in September 2023, the national queue number required to obtain a right-of-occupancy apartment is applied for directly through Varke's online service, and remains valid for two years at a time. It is also worth noting that the maximum asset limits do not apply at all to applicants aged 55 and over for right-of-occupancy apartments, nor are they applied when transferring between right-of-occupancy homes. You can find out more about the various stages of the application process in our guide, which explains in detail how <a style="color:#0070ba;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/aso-asunnon-hakeminen"><strong><u>applying for a right-of-occupancy apartment</u></strong></a> works in practice.</p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:24px 0;"><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Capital protected by index adjustment</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">No large mortgage risk</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Lifelong right of occupancy</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Affordable monthly maintenance charge</div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">The availability of right-of-occupancy apartments is continuously growing in both major urban areas, offering modern and energy-efficient homes close to excellent transport links and a wide range of services. You can start your search easily by browsing <a style="color:#0070ba;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/apartments?application_type=right_of_occupancy&amp;region=PIR&amp;vacancy_states=vacant&amp;vacancy_states=becoming_vacant&amp;lang=fi&amp;order_by=-publication&amp;limit=12&amp;offset=0"><strong><u>available right-of-occupancy apartments in the Pirkanmaa region</u></strong></a> and in <a style="color:#0070ba;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/apartments?application_type=right_of_occupancy&amp;region=VSU&amp;vacancy_states=vacant&amp;vacancy_states=becoming_vacant&amp;order_by=-publication&amp;limit=12&amp;offset=0"><strong><u>Southwest Finland</u></strong></a>.</p><div style="border-top:1px solid #222222;display:flex;flex-wrap:wrap;font-family:Inter, sans-serif;margin-bottom:30px;margin-top:30px;"><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:150px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Occupancy fee</strong></span></span> <span style="color:#222222;font-size:20px;"><span style="font-weight:300;">15% of purchase price</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:150px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Monthly charge</strong></span></span> <span style="color:#222222;font-size:20px;"><span style="font-weight:300;">Below local market rent</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:150px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Security deposit</strong></span></span> <span style="color:#222222;font-size:20px;"><span style="font-weight:300;">Typically modest</span></span></div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">The stability and security of this housing model is comparable to traditional homeownership, as the agreement cannot be terminated by the landlord without an exceptionally compelling reason specifically defined in law. A right-of-occupancy home is a safe, stress-free and flexible solution for all stages of life — whether you live alone, as a couple or as a family with children.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Flexible rental apartments in Tampere and Turku make everyday life easier</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;"><br>Renting is often the most practical choice, thanks to the exceptional flexibility it offers. When life changes unexpectedly — due to work, studies or personal circumstances — moving to a new apartment needs to be easy and hassle-free. YH Kodit's rental homes in the Tampere and Turku areas meet this need with resident-friendly contract terms. Our agreements require no commitment for a full year, allowing flexible decisions to be made even at short notice.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Moving into a new home has also been made financially straightforward. The rental deposit is equivalent to just one month's rent, significantly reducing the upfront costs of setting up a new home. Our agreements are subject to a clear one calendar month notice period, allowing residents to plan their move freely without the worry of lengthy and inflexible overlapping rent payments.</p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:24px 0;"><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Pets welcome</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">No 12-month lock-in</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Deposit of just 1 month's rent</div><div style="border-radius:20px;border:1px solid #222222;font-family:Inter, sans-serif;font-size:13px;padding:6px 16px;">Flexible contract terms</div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Beyond the contract terms, for many home seekers it is absolutely essential that their pets can come along to the new home. Pets are warmly welcomed as cherished family members in all our properties, making the move a smooth experience for the whole household.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">New owner-occupied homes in growth cities — quality and lasting value</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">For those whose goal is to buy their own home, a new-build offers completely stress-free and low-maintenance living for years to come — with no renovation worries or unexpected building maintenance costs. Our new owner-occupied developments in the most desirable areas of Tampere and Turku are built to meet today's housing expectations, with an emphasis on energy efficiency, practical floor plans, natural light and high-quality materials.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">YH Kodit acts as the responsible developer on these projects, overseeing careful planning and execution in collaboration with reliable and skilled contractors. Rigorous workmanship and close supervision ensure that completed properties meet the highest quality standards, delivering residents a durable home that holds its value and provides an excellent quality of life for years to come.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Examples of our modern urban homes include outstanding owner-occupied development in Tampere, such as the welcoming Asunto Oy Tampereen Hatanpään Kruununvouti, located right in the heart of the city centre with excellent transport connections. This property combine a prime location, functional architecture and high-quality construction.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Online resident services — support for everyday life</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">A high quality of living is built not only on square metres, but on a smooth daily routine. Our digital services and knowledgeable resident support team ensure that managing anything related to your tenancy is effortless. Residents have access to the convenient Oma YH Kodit online service, which brings all the most important information and functions together in one easy-to-use place.</p><div style="background-color:#d4e4f7;border-left:4px solid #0070BA;margin:30px 0;padding:24px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>What residents can do in the online service</strong></span></span></p><p style="font-size:16px;line-height:1.5;margin:0;">Through Oma YH Kodit, you can view your tenancy agreement, monitor your payment status, submit maintenance requests, reserve parking spaces or sauna time slots, and read the latest announcements for your building — whenever it suits you best.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">In addition to our digital channels, our expert customer service team is on hand to help in any situation. Whether you are moving into a new home, collecting or returning keys, reserving a parking space, arranging move-in repairs or dealing with water billing, support is always easy to access by phone or by visiting our offices in Tampere and Turku. Our comprehensive services make living with us easier and keep everyday life running smoothly.</p><div style="border-top:1px solid #222222;margin:40px 0;">&nbsp;</div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">The right housing option always depends on your individual life situation, future plans and financial flexibility. Varke apartments provide reliable, regulated rental housing within income and asset limits, allocated on social grounds to those who need it most. Right-of-occupancy homes offer long-term continuity and security without major financial risk or large bank loans. Flexible rental apartments, in turn, are the best fit for those who value freedom, simplicity and the ability to move on without commitment. The Tampere and Turku regions offer a wide range of options, making finding a new home a safe and straightforward experience.</p><div style="background-color:#004b7a;color:#ffffff;font-family:Inter, sans-serif;margin-top:40px;padding:40px;"><p><span style="color:#ffffff;font-size:12px;"><span style="display:block;letter-spacing:0.1em;margin-bottom:8px;text-transform:uppercase;"><strong>Find your new home with us</strong></span></span></p><h3 style="color:#ffffff;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Explore the full range of housing options from YH Kodit</h3><p style="color:#e5e5e5;font-size:16px;line-height:1.6;margin-bottom:30px;">Whether you are looking for a rental apartment, a right-of-occupancy home or a new owner-occupied property in the Tampere or Turku region, our portfolio has a solution to suit your situation. Our Oma YH Kodit service and expert customer support team are with you every step of the way — from your move right through your entire time with us.</p><p><a style="align-items:center;background-color:#ffffff;border-radius:40px;color:#004b7a;display:inline-flex;font-size:16px;height:48px;justify-content:center;padding:0 32px;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/apartments?application_type=right_of_occupancy&amp;region=PIR&amp;vacancy_states=vacant&amp;vacancy_states=becoming_vacant&amp;lang=fi&amp;order_by=-publication&amp;limit=12&amp;offset=0"><strong>View available apartments</strong></a></p></div></section>

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Looking for a Varke apartment or a right-of-occupancy home? Find flexible and affordable housing solutions in Tampere and Turku.

<section style="background-color:#ffffff;color:#222222;font-family:'Inter', system-ui, -apple-system, sans-serif;margin:0 auto;max-width:1280px;padding:80px 20px;"><h1 style="color:#222222;font-size:36px;font-weight:300;line-height:1.2;margin-bottom:32px;">Looking for an affordable flatshare? Live flexibly with no fixed-term commitment</h1><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">In popular student cities like Tampere and Turku, finding a place to live can be a real challenge — especially when you're looking for a combination of central location and a rent that fits a student budget. Sharing a flat is one of the smartest ways to live: it gives you access to quality housing at a significantly lower cost than renting a studio on your own.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">At YH Kodit, we know that student life rarely follows a fixed plan. An exchange semester abroad, an internship in another city, or an earlier-than-expected graduation all call for flexibility in your tenancy. Unlike many private landlords, we don't lock our residents into 12-month fixed-term contracts. All of our tenancy agreements are open-ended from day one, giving you the freedom to plan ahead without the fear of penalty fees.</p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:32px 0;"><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">No 12-month commitment</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Pets welcome</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Flexible notice period</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Tampere &amp; Turku</div></div><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;margin-top:48px;">Flatsharing: the smart, social choice</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">When you start looking for a <a style="border-bottom:1px solid transparent;color:#0070ba;text-decoration:none;transition:border-bottom 0.3s;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;application_type=rental">student flatshare</a>, the financial benefits quickly become clear. By splitting the rent on a larger apartment with a friend or classmate, you get more space and better amenities for a lower personal outlay. Larger apartments are also more likely to be in great locations — close to campuses or city-centre services — which saves you both time and money on commuting.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">The savings don't stop at rent. In a shared flat, other running costs — such as electricity, water, fast internet, and home insurance — are split between the residents. This frees up a significant portion of your student income for other things. On top of that, a shared living room and kitchen create a natural space for socialising, which is especially valuable when you're starting out in a new city. Browse our&nbsp;</p><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:20px 0;"><span style="color:#222222;font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Cost efficiency</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">Shared costs can save you hundreds of euros every month.</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:20px 0;"><span style="color:#222222;font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Location</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">The chance to live centrally, close to everything you need.</span></span></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">In Tampere and Turku, YH Kodit apartments are spread across a wide range of neighbourhoods. Whether you're drawn to Hervanta near Tampere's technical university or Kupittaa in Turku with its cluster of higher education institutions, we have homes where you'll want to stay. And one more thing — your pet is part of the family as far as we're concerned: four-legged friends are welcome in all of our properties, with no additional charges.</p><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;margin-top:48px;"><a style="color:#0070ba;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;application_type=rental&gt;available rental apartments here&lt;/a&gt; and find the right home for you.&lt;/p&gt;
&lt;div style=" display:="" flex;="" flex-wrap:="" wrap;="" border-top:="" 1px="" solid="" #222222;="" margin-top:="" 40px;="" margin-bottom:="" 40px;"="">Real flexibility — no fixed-term strings attached</a></h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Many landlords expect students to commit to at least a full year at a time. That can mean real stress if your situation changes mid-academic year. YH Kodit has taken a different approach: we want to support student mobility and make everyday life as smooth as possible. Whether you're searching for a <a style="border-bottom:1px solid transparent;color:#0070ba;text-decoration:none;transition:border-bottom 0.3s;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;application_type=rental">rental apartment in Tampere</a> or Turku, you can trust that our agreements are built around you.</p><div style="background-color:#f0f7ff;border-left:4px solid #0070BA;margin:30px 0;padding:32px;"><p><span style="color:#004b7a;font-size:12px;"><span style="display:block;margin-bottom:12px;text-transform:uppercase;"><strong>Key tenancy information</strong></span></span></p><p style="color:#222222;font-size:17px;line-height:1.6;margin:0;">All of our tenancy agreements are open-ended. The notice period is one full calendar month, counted from the date the notice is given. We do not require a 12-month commitment, making it a low-risk way to rent.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">In practice, this means that if you land your dream job in another city or decide to go on exchange mid-spring semester, you won't be stuck paying rent on an empty flat for months. You also won't have to scramble to find a subletter just to avoid penalty fees. To us, your home should be a support — not a burden.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">A large part of our housing stock consists of so-called Varke apartments (previously known as ARA apartments), where rents are regulated and kept at a reasonable level. These homes are intended for those who need them most, and students are one of our key target groups. The selection process for Varke apartments follows government-set criteria relating to housing need, assets, and income.</p><div style="background-color:#f7f7f7;border-left:4px solid #222222;margin:30px 0;padding:32px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:12px;text-transform:uppercase;"><strong>Varke apartment income limits</strong></span></span></p><p style="font-size:17px;line-height:1.6;margin:0;">For a single-person household, the gross income ceiling is €3,540 per month. If you're moving in as a pair, each person's income is assessed separately. Note that student grants and housing supplements are not counted as income in this assessment, which makes it easier for students to qualify for affordable rental housing.</p></div><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;margin-top:48px;">Oma YH Kodit — digital tools for everyday ease</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Modern renting calls for modern tools. The Oma YH Kodit self-service portal is designed to make life as a tenant as straightforward as possible. When you're living in a shared flat, it's particularly handy to have all your documents, payment history, and building notices in one digital place. You can log in at any time and take care of things when it suits you — even between lectures.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Through the portal, you can submit maintenance requests around the clock. If the kitchen tap is dripping or a radiator isn't heating properly, your report goes straight to the maintenance team and you can track progress in real time. You'll also find your building's sauna booking schedule, laundry room reservations, and parking space application instructions all in one place. Going digital cuts down on paperwork and ensures that both flatmates stay up to date on everything to do with their home.</p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:32px 0;"><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Electronic signing</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">24/7 maintenance requests</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Rent payment history</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;font-weight:400;padding:6px 16px;">Digital building notices</div></div><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;margin-top:48px;">How to apply: a straightforward process</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Applying for a home with YH Kodit is designed to be simple. You can browse available and upcoming apartments on our website and submit an application directly online. If you're applying for a flatshare with a friend, both parties need to fill in their own details so that the selection process can be carried out fairly and in line with the relevant criteria.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">For Varke properties, we also assess applicants' assets. Things like owner-occupied properties or significant investments are taken into account, but ordinary savings or funds set aside to cover study-related costs are generally not a barrier to being offered a home. Our goal is to provide housing for those who genuinely need affordable rental options in growing cities.</p><div style="background-color:#f0f7ff;border-left:4px solid #0070BA;margin:30px 0;padding:32px;"><p><span style="color:#004b7a;font-size:12px;"><span style="display:block;margin-bottom:12px;text-transform:uppercase;"><strong>Tip for applicants</strong></span></span></p><p style="color:#222222;font-size:17px;line-height:1.6;margin:0;">Student apartments in Tampere and Turku are in high demand, particularly towards the end of summer. It pays to act early and fill in your application carefully. With us, it's not just about how long you've been waiting — overall housing need is what counts.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Once your application has been approved and a suitable home is found, you'll be invited to view it in person. The tenancy agreement can be signed electronically using online banking credentials, saving time and hassle. Key collection is also made easy, and our customer service team is on hand to help with any questions during the early stages of your move — from water charges to parking.</p><div style="border-top:1px solid #222222;display:flex;flex-wrap:wrap;margin-bottom:40px;margin-top:40px;"><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:20px 0;"><span style="color:#222222;font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Tenant selection</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">Based on housing need, income, and assets.</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:20px 0;"><span style="color:#222222;font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Peace of mind</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">A reliable, financially stable, and long-established landlord.</span></span></div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:48px;">At the end of the day, renting with YH Kodit means one less thing to worry about. You're not just another tenant to us — you're part of a community that we continuously develop our services for. Whether you're just starting your studies or putting the finishing touches on your thesis, we provide the kind of home that lets you focus on what matters. Choose us, and choose a home that moves with your life — no unnecessary restrictions, no lengthy fixed terms.</p><div style="background-color:#004b7a;border-radius:4px;color:#ffffff;padding:60px 40px;text-align:center;"><p><span style="color:#ffffff;font-size:13px;"><span style="display:block;letter-spacing:0.1em;margin-bottom:16px;opacity:0.8;text-transform:uppercase;"><strong>Find your new home today</strong></span></span></p><h2 style="color:#ffffff;font-size:32px;font-weight:300;line-height:1.2;margin-bottom:24px;">Ready for flexible student living?</h2><p style="color:#ffffff;font-size:19px;line-height:1.6;margin-bottom:32px;margin-left:auto;margin-right:auto;max-width:800px;opacity:0.9;">Browse our available properties in Tampere and Turku. No year-long fixed term, and your pet is welcome too. Fill in an application and take the first step towards a simpler everyday life.</p><p><a style="align-items:center;background-color:#ffffff;border-radius:40px;color:#004b7a;display:inline-flex;font-size:17px;height:56px;justify-content:center;padding:0 40px;text-decoration:none;transition:transform 0.2s, box-shadow 0.2s;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;application_type=rental"><strong>View available rental apartments</strong></a></p></div></section>

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Looking for an affordable flatshare? Live flexibly with no fixed-term commitment

<section style="background-color:#ffffff;color:#222222;font-family:Inter, sans-serif;margin:0 auto;max-width:1280px;padding:60px 20px;"><p><span style="color:#222222;font-size:12px;"><span style="display:block;letter-spacing:0.1em;margin-bottom:8px;text-transform:uppercase;"><strong>Housing Solutions</strong></span></span></p><h1 style="color:#222222;font-size:32px;font-weight:300;line-height:1.2;margin-bottom:32px;text-transform:none;">Dreaming of a home without a large mortgage? Right-of-occupancy housing is a flexible, hassle-free alternative</h1><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Buying a home is one of the most significant financial decisions of a lifetime. Many people wonder whether a traditional owner-occupied property — and the large bank loan that comes with it — is the only route to quality, long-term housing. Right-of-occupancy housing, known in Finland as ASO, offers a financially secure path that combines the ease of renting with the sense of stability that comes from owning. It's a housing model that serves residents over the long term, without the worry of fluctuating interest rates or sudden shifts in the property market.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:24px;">Right-of-occupancy housing is a particularly smart choice in growing cities such as Tampere and Turku, where property prices tend to be high. The ASO model makes it possible to live in a quality, modern home for a fraction of the capital that buying an equivalent property outright would require. In this guide, we explain what right-of-occupancy means in practice, who it's suited to, and why it has remained a popular choice among Finnish home-seekers decade after decade.</p><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;">What does right-of-occupancy housing mean in practice?</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Under the right-of-occupancy system, the resident pays an occupancy fee when moving in, which amounts to 15 per cent of the property's acquisition price. This initial investment is considerably lower than the down payment required in a traditional property purchase, and for many people it's far more manageable to save or finance with a smaller loan. Once the fee is paid, the resident receives a lifelong right to occupy the apartment. It's a very secure form of housing — a resident cannot be asked to leave without a specific, legally defined reason.</p><div style="border-top:1px solid #222222;display:flex;flex-wrap:wrap;margin-bottom:30px;margin-top:20px;"><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Initial investment</strong></span></span> <span style="font-size:20px;"><span style="font-weight:300;">15% of the property's acquisition price</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>Monthly payment</strong></span></span> <span style="font-size:20px;"><span style="font-weight:300;">Usage charge</span></span></div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">On an ongoing basis, the resident pays a monthly usage charge. This is generally lower than the market rent for a comparable property in the same area. The charge covers property maintenance, building management, necessary repairs, and any ground lease costs. Unlike owner-occupied housing, the resident doesn't need to worry about unexpected major renovation costs — such as plumbing or roof repairs — as the property owner is responsible for all structural maintenance and upkeep.</p><div style="background-color:#f7f7f7;border-left:4px solid #222222;margin:30px 0;padding:24px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>Financial protection when you move on</strong></span></span></p><p style="font-size:16px;line-height:1.5;margin:0;">When a resident decides to give up their right of occupancy, they receive back the 15 per cent occupancy fee they originally paid, adjusted in line with the building cost index. This means the invested capital retains its value and may even grow slightly over time. The resident receives their money back within three months of giving notice — with no need to worry about how long the property takes to sell or whether market prices have fallen.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Flexibility is one of the main reasons to choose right-of-occupancy housing. Although the right to the apartment is permanent, residents are free to move if their circumstances change. YH Kodit guarantees to buy back the occupancy right, and the resident is released from their charge payment obligations after a three-month notice period. This makes ASO housing an excellent middle ground, combining the best aspects of both owning and renting.</p><h2 style="color:#222222;font-size:28px;font-weight:300;line-height:1.3;margin-bottom:24px;">Who is right-of-occupancy housing for?</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Right-of-occupancy housing is open to all applicants aged 18 and over. The model is designed to serve a broad range of home-seekers: first-time buyers, families who need more space, and seniors who want to leave behind the upkeep of a house. Because the system is state-supported, tenant selection follows criteria set out in legislation to ensure that homes go to those who genuinely need them.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">For applicants under 55, asset limits apply. This means the applicant must not hold assets that would allow them to purchase or fully renovate a comparable owner-occupied property in the same area. Assets taken into account include real estate, owner-occupied apartments, and significant investment fund holdings. There are no income limits for right-of-occupancy housing at all, which makes it an attractive option for people in a wide range of financial situations.</p><div style="background-color:#f7f7f7;border-left:4px solid #222222;margin:30px 0;padding:24px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>Asset limits and age</strong></span></span></p><p style="font-size:16px;line-height:1.5;margin:0;">Applicants over 55 are not subject to any asset limits. Assets are also not assessed when a resident transfers from one right-of-occupancy apartment to another. This makes ASO housing an excellent choice for those approaching retirement age who want to sell their house and free up the capital tied up in it, while still maintaining security and quality in their housing.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Applying for a right-of-occupancy apartment requires obtaining a queue number from ARA's (Housing Finance and Development Centre of Finland) national system. A new system that came into force on 1 September 2023 has simplified the application process. The queue number determines priority among applicants: the person with the lowest number is first in line to receive an offer on an available apartment. Numbers are valid for two years at a time.</p><div style="display:flex;flex-wrap:wrap;gap:8px;margin:24px 0;"><div style="border-radius:20px;border:1px solid #222222;font-size:13px;padding:6px 16px;">No income limits</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;padding:6px 16px;">Asset limits only for under-55s</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;padding:6px 16px;">National queue number</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;padding:6px 16px;">Option to transfer to another property</div><div style="border-radius:20px;border:1px solid #222222;font-size:13px;padding:6px 16px;">Inheritance rights retained</div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">One of the lesser-known advantages of ASO housing is that it can be inherited. The right of occupancy is an asset that can be passed on or transferred to a close family member. This underlines the permanence of the arrangement and, in many respects, puts it on a par with homeownership — while the barrier to entry remains significantly lower.</p></section><section style="background-color:#ffffff;color:#222222;font-family:Inter, sans-serif;margin:0 auto;max-width:1280px;padding:0 20px 60px;"><div style="background-color:#222222;color:#ffffff;display:flex;flex-direction:column;margin-bottom:40px;padding:40px;"><p><span style="font-size:12px;"><span style="display:block;letter-spacing:0.1em;margin-bottom:8px;text-transform:uppercase;"><strong>Find your new home</strong></span></span></p><h2 style="color:#ffffff;font-size:28px;font-weight:300;line-height:1.2;margin-bottom:20px;">Browse available right-of-occupancy apartments</h2><p style="color:#ffffff;font-size:18px;line-height:1.6;margin-bottom:32px;">YH Kodit offers comfortable right-of-occupancy apartments in the best locations in Tampere and Turku. Browse our current availability and submit an application today.</p><p><a style="align-items:center;align-self:flex-start;background-color:#ffffff;border-radius:40px;color:#222222;display:inline-flex;font-size:16px;height:48px;justify-content:center;padding:0 32px;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/apartments?region=PIR&amp;offset=0&amp;limit=12&amp;room_count=1&amp;room_count=2&amp;lang=en&amp;application_type=right_of_occupancy&amp;vacancy_states=vacant&amp;vacancy_states=occupied&amp;vacancy_states=becoming_vacant"><strong>Browse available ASO apartments</strong></a></p></div><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">How to apply for a right-of-occupancy apartment: step by step</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">The application process is designed to be clear and transparent. Everything starts with a national queue number, which you can apply for through ARA's online service. The number is personal and required before you can make a binding offer on an apartment. Once you have your number, you can direct your application to the specific properties and areas that interest you most.</p><div style="border-top:1px solid #222222;display:flex;flex-wrap:wrap;margin-bottom:30px;margin-top:20px;"><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>1. Queue number</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">Apply for your number through VARKE's online service.</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;">&nbsp;</div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;">&nbsp;</div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>2. Housing application</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">Fill in an application on the YH Kodit website for the properties you're interested in.</span></span></div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;">&nbsp;</div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;">&nbsp;</div><div style="border-bottom:1px solid #E5E5E5;flex:1;min-width:250px;padding:15px 0;"><span style="font-size:11px;"><span style="display:block;text-transform:uppercase;"><strong>3. Offer and agreement</strong></span></span> <span style="font-size:18px;"><span style="font-weight:400;">View the apartment and confirm your offer.</span></span></div></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">When a suitable apartment becomes available, we send offers to applicants in queue number order. Once you've received an offer, you'll have the opportunity to view the property in person. Full instructions and a link to the online application form can be found on our page <a style="border-bottom:1px solid #222222;color:#222222;text-decoration:none;" target="_blank" rel="noopener noreferrer" href="https://www.yhkodit.fi/en/how-to-apply-for-a-right-of-occupancy">applying for a right-of-occupancy apartment</a>. If you accept the offer, we will verify your asset information where required before the agreement is signed.</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Hassle-free living and expert support</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Right-of-occupancy housing is an excellent fit for people who value ease and predictability. YH Kodit takes responsibility for the technical upkeep and long-term maintenance of its properties. As a resident, you can focus on enjoying your home without the stress of future renovations or how to finance them. And as always, pets are welcome members of the family in all of our right-of-occupancy properties.</p><div style="background-color:#f7f7f7;border-left:4px solid #222222;margin:30px 0;padding:24px;"><p><span style="font-size:12px;"><span style="display:block;margin-bottom:8px;text-transform:uppercase;"><strong>The Oma YH Kodit digital portal</strong></span></span></p><p style="font-size:16px;line-height:1.5;margin:0;">Everything to do with your home is available through the <strong>Oma YH Kodit</strong> portal. You can view your agreements, track usage charge payments, submit maintenance requests, and book sauna slots or parking spaces — whenever it suits you. Digital self-service makes day-to-day life smooth and straightforward.</p></div><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Our expert customer service team and building management are there to support you at every stage of your tenancy. Whether it's collecting keys on moving day, making small modifications to your home, or questions about your usage charge, we're here to help. Our goal is for every resident to feel secure and settled in their home for years to come.</p><h2 style="color:#222222;font-size:24px;font-weight:300;line-height:1.3;margin-bottom:24px;">Financial stability through life's changes</h2><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Life is full of change, and it helps to have a home that can move with you. Right-of-occupancy housing doesn't tie you down for years or force you to wait for a buyer on the open market. YH Kodit guarantees to buy back your occupancy right within three months of notice being given. This provides real financial peace of mind: you know exactly when you'll get your invested capital back, whether a new job or a change in circumstances calls for a move to a different city or a different-sized home.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:20px;">Compared to VARKE (ARA) rental apartments, where tenant selection takes income into account, right-of-occupancy housing is a freer and more flexible option. With no income limits, an ASO home is within reach for many people who want stable, quality housing without the risks of homeownership. The occupancy fee being tied to the building cost index ensures that your money retains its purchasing power, and you'll get your investment back regardless of how property prices in the area have moved.</p><p style="font-size:18px;font-weight:400;line-height:1.6;margin-bottom:40px;">Right-of-occupancy housing is a modern and responsible way to live. It combines the security of homeownership with the low-risk nature of renting in a way that suits today's mobile lifestyles. By choosing a YH Kodit right-of-occupancy apartment in a growing city, you secure a high-quality living environment close to services — with the confidence that your housing is on a financially sustainable footing well into the future.</p></section>

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Dreaming of a home without a large mortgage? Right-of-occupancy housing is a flexible, hassle-free alternative

<p>On this page, you’ll find up-to-date information about applying for an apartment, as well as useful details about rental housing and right-of-occupancy (ASO) housing.</p>

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