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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 home will be yours for as long as you like. If you move out, you get back the right-of-occupancy fee you invested, adjusted with the building cost index.

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

In order to apply for a right-of-occupancy home, you should first familiarise yourself with the instructions.

You need a queue number

In order to apply for a right-of-occupancy home, you require a queue number, which you can acquire from the housing office in the city or municipality where you are submitting your application.

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. Use our apartment exchange service to find a suitable exchange partner. Residents of all right-of-occupancy homes can register with the apartment exchange service. 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.