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Right-of-occupancy homes

The right-of-occupancy system combines the security of owning your own home with the flexibility of renting.

You pay a right-of-occupancy fee, which is only 15 % of the apartment’s purchase value, and monthly residence charge, which is below the general rent level.

The advantages of right-of- occupancy

Right-of-occupancy combines the flexibility of rental homes and the permanence of owner-occupied homes. You only pay 15% of the acquisition value of the apartment and a monthly maintenance charge.

How to apply for a right-of-occupancy home

To apply for a right-of-occupancy home, familiarise yourself with the instructions.

You need a queue number

In order to apply for a right-of-occupancy home, you need a queue number, which you can acquire from The Housing Finance and Development Centre of Finland (ARA) .

Edit your application for a right-of-occupancy home

If you want to make changes to your previously submitted right-of-occupancy application, you can do so by editing the application.

Changing right-of-occupancy homes

Residents of right-of-occupancy homes can exchange apartments with one another and within a right-of-occupancy building. Use our apartment exchange service to find a suitable exchange partner. Exchange service is in Finnish.

Frequently asked questions about the right-of- occupancy

Who are right-of-occupancy homes designed for? How quickly can I get a right-of-occupancy home? Can I renovate the right-of-occupancy home? You will find the answer to these and many other questions in the frequently asked questions.