<h3><strong>Causes, Severity, and Recurrence of Credit Defaults Matter Most</strong></h3><p>Having a credit default entry is nothing to fear—you should always submit a rental application. While we do check applicants' credit information, the overall picture of your situation is what matters most. A single entry, especially one from a few years ago, may not prevent you from getting an apartment.</p><h3><strong>How Do We Assess Credit Defaults?</strong></h3><p>Although we check credit records, our focus is on the number and nature of the entries. If defaults are occasional and not related to housing (such as rent arrears), we take an understanding approach. Life can be unpredictable, and one payment issue doesn’t mean someone isn’t a responsible tenant.</p><p>Recurring entries or housing-related defaults—like unpaid rent—carry more weight in decision-making. In those cases, we want to ensure that the applicant is capable of handling future rent payments reliably.</p><h3><strong>A Fixed-Term Lease Might Be an Option</strong></h3><p>In some situations, we may offer a three-month fixed-term rental agreement initially. If things go smoothly and payments are made on time, this can be extended into a permanent lease. It gives both sides a chance to confirm that the rental arrangement works well.</p><h3><strong>Applying for Housing with a Credit Default</strong></h3><p>A credit default doesn’t automatically disqualify you from renting. Always apply—we assess applications holistically. We understand that life circumstances vary and strive to find solutions that benefit both applicants and landlords. If you're concerned about your credit record, we recommend being open and ready to discuss your situation so that together we can find the best path forward.</p>

large_imago_kuva_liinakonkatu (13) pieni.jpg

medium_imago_kuva_liinakonkatu (13) pieni.jpg

small_imago_kuva_liinakonkatu (13) pieni.jpg

thumbnail_imago_kuva_liinakonkatu (13) pieni.jpg

imago_kuva_liinakonkatu (13) pieni.jpg

Credit Defaults and Renting – What You Need to Know?

<h2><strong>No 12-Month Commitment</strong></h2><p>Moving in with us is easy and worry-free! Life situations change, which is why we offer flexible contracts:<br>✅ For rental apartments, the notice period is just one calendar month<br>✅ For right-of-occupancy homes, the notice period is three months</p><h2><strong>Simple Living from the Start</strong></h2><p>🔹 Our expert sales advisors will help you find the perfect home<br>🔹 A wide range of apartments—from starter homes to family residences and senior housing<br>🔹 Support even after the move—our customer service and property management are here to assist with anything related to your home</p><h3><strong>Why Choose YH Kodit?</strong></h3><p>🐾 Pets are welcome—your home should include the whole family<br>🌐 A 50 Mbit/s internet connection is included in nearly all apartments<br>🎢 Residents’ Day at Särkänniemi—spend the most fun day of the year with us, completely free<br>🔨 Reward renovation for long-term residents—we value your loyalty<br>📲 Digital resident portal—manage your home affairs conveniently online<br>🚗 Shared cars available for residents—in Tampere and Turku, use handy shared vehicles so owning your own car isn’t necessary! In Tampere, a van is available for transporting larger items.</p><h4><strong>Find your new home and enjoy the comfort of living with YH Homes!</strong></h4><p>Read more:</p><ul><li><a href="https://www.yhkodit.fi/vuokra-asunto">Applying for a rental apartment</a></li><li><a href="https://www.yhkodit.fi/asumisoikeusasunto-hakeminen">Applying for a right-of-occupancy apartment</a></li></ul>

large_YHKodit-220222-7971.JPG

medium_YHKodit-220222-7971.JPG

small_YHKodit-220222-7971.JPG

thumbnail_YHKodit-220222-7971.JPG

YHKodit-220222-7971.JPG

Why choose YH Kodit?

<p>It’s definitely worth taking advantage of YH Kodit shared spaces when building lasting relationships in the neighborhood. Most YH properties offer playgrounds for children, but adults can also make use of the shared yard areas. During summer, the communal green spaces are perfect for organizing various activities—like barbecues or even a Mölkky tournament. In some buildings, residents also have access to a club room.</p><h2><strong>What can you do in the club room?</strong></h2><p><br>The club room offers a space to strengthen good relations among residents. You can organize weekly game nights or book clubs there. It’s also ideal for relaxing and spending time together—perhaps with movie evenings or music sessions.</p><p>You can reserve the club room for personal use too, such as a quiet workspace or a group study project with classmates. It has even served as a party space for children’s birthdays. Residents have also hosted community flea market days in the club room—offering items a second life while getting to know neighbors.</p><p>YH Homes encourages residents to actively participate in using the club room and provides support for organizing events that foster good neighborly relations."**</p><p>&nbsp;</p><h2><strong>"How can I organize events for the neighborhood?"</strong><br>&nbsp;</h2><p>Would you like to boost community spirit by planning events or taking part in practical housing decisions? Join the resident committee!</p><p>The resident committee is a passionate, volunteer-based group drawn from your own community. It works to actively promote a sense of togetherness and improve the living experience. By joining, you’ll have the opportunity to influence neighborhood events, purchases, and various day-to-day matters. Help shape a cozier and more connected living environment—together!</p><p><i>Read more about the </i><a href="https://www.yhkodit.fi/blog/asukastoimikunta "><i>resident committee</i></a></p>

large_YHKodit-220222-7556.JPG

medium_YHKodit-220222-7556.JPG

small_YHKodit-220222-7556.JPG

thumbnail_YHKodit-220222-7556.JPG

YHKodit-220222-7556.JPG

How could I get to know my neighbors?

<p><strong>At YH Kodit, we aim to ensure smooth everyday life for every resident.</strong> At the same time, we focus on environmentally friendly solutions. That’s why we’ve introduced shared cars for residents—vehicles that are also economical. One of the benefits of shared cars is that you don’t need to worry about maintenance, insurance, or changing tires—you only pay for usage.</p><p>&nbsp;</p><p>“The car is well-equipped; for example, it has cruise control and a reversing camera. It’s really pleasant to use, and I enjoy driving long distances with it.”<br>– Vesa, YH Homes resident</p><p>&nbsp;</p><h3><strong>What can shared cars be used for?</strong></h3><p>Shared cars offer flexible options for a variety of needs. You can book the car for a quick errand—for instance, picking up a large package from the post office—or for a weekend trip.</p><p>&nbsp;</p><p>“I primarily use the car for trips lasting one to three days. Also, when there are overlapping schedules at home, the shared car has ensured that every family member can get to where they need to go.”<br>– Vesa, YH Homes resident</p><p>&nbsp;</p><h3><strong>Is using a shared car expensive?</strong></h3><p>Shared car billing is calculated in 15-minute increments. For example, a quick 15-minute errand would cost just €1.50—clearly cheaper than a bus ticket. Pricing is based solely on time used. You can book the car for three hours, but if you only use it for two, you’ll only be charged for the actual usage (some models also include a per-kilometer fee—check the latest rates on Omago’s website).</p><p>&nbsp;</p><p>“I’ll likely give up owning a car altogether since the shared car is affordable, easy to use, and booking it is hassle-free.”<br>– Vesa, YH Homes resident</p><p>&nbsp;</p><h3><strong>Can I bring a pet into the shared car?</strong></h3><p>Yes—you can take a pet with you in cars marked with a paw symbol.</p><h3><strong>Where can I find shared cars and how do I book one?</strong></h3><p>You can find shared cars and their locations on the <a href="https://oma.yhkodit.fi/">oma.yhkodit.fi</a> website, where you’ll also see booking instructions. Currently, YH Homes has shared cars in Tampere (Vuores, Epilä, Hatanpää, and Linnainmaa). The car in Hatanpää is a van—perfect for moving! In Turku, shared cars are available in Skanssi and at Helsinginkatu 13.</p><p>Try a shared car and experience carefree, eco-friendly driving!</p>

large_20250618_151850.jpg

medium_20250618_151850.jpg

small_20250618_151850.jpg

thumbnail_20250618_151850.jpg

20250618_151850.jpg

What is a shared car and who is allowed to use it?

<p>In YH Homes apartments, water billing is based on actual consumption. The advance water payment is approximately €20 per resident per month, calculated based on average usage. Once a year, a review checks whether the paid advance has been sufficient or if additional payment is needed. Any extra charges are credited in the next rent invoice. Water balancing bills are sent annually in April–May.</p><h2><strong>How is the water balancing bill calculated?</strong></h2><p>The bill includes meter readings from the apartment, which determine consumption and charges. The cubic meter price of water consists of the municipality’s water and wastewater fees as well as the cost of energy used for heating water. The advance payments made during the billing period are factored into the final calculation.</p><h3><strong>Why can the water balancing bill be unexpectedly high?</strong></h3><p>There have been cases where residents receive bills reaching hundreds or even over a thousand euros. This often happens when more people have lived in the apartment than reported to property management. As a result, the advance payments have been too low compared to actual usage. That's why it’s essential to report all residents to the landlord. Water usage is monitored per apartment, and the bill is based on actual consumption. It’s also important to report leaking fixtures to maintenance as soon as possible.</p><h3><strong>How do individual water meters affect consumption?</strong></h3><p>Individual water meters are installed during bathroom renovations, enabling more accurate tracking of water usage. In these buildings, consumption has dropped significantly—by 30 to 40 percent—as residents have become more aware and adjusted their habits accordingly.</p><h3><strong>How can I reduce water consumption?</strong></h3><p>Small everyday choices can help lower water usage and save on costs. Here are a few tips:</p><ul><li>Shorten shower time—reducing even a few minutes can make a big difference.</li><li>Run full loads of laundry and dishes—this reduces how often machines need to be used.</li><li>Reuse leftover water for houseplants instead of pouring it down the drain.</li><li>Check for leaks—if a tap or toilet is dripping, request maintenance immediately, as ongoing leaks can increase water consumption without you noticing.</li></ul>

large_suihku.jpg

medium_suihku.jpg

small_suihku.jpg

thumbnail_suihku.jpg

suihku.jpg

What is a water balancing bill?

<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>

Current topics