Apply for a rental apartment

When you need an apartment, submit an apartment application. Select all the buildings whose apartments you are interested in.

Explore our currently available apartments

Apartment Application

You can find a home with us, whether you are looking for a studio or a family apartment. Fill out the application, and you might soon be a happy resident of a new home. The availability of our apartments changes daily, so please indicate all the buildings and apartments you are interested in on your application.

Apartment Application Apartment Application, Senior Apartments Apartment Application, Student Apartments See also: Quick Move-in Apartments

Applying for a Rental Apartment

When you need an apartment, submit an apartment application. Select all the buildings whose apartments you are interested in. Explore our currently available apartments.

We make tenant selections based on valid applications, following Varken’s (formerly ARA) tenant selection guidelines. We offer apartments based on the information provided in the application, so please fill out the application carefully.

Your application is valid for 4 months

The apartment application is valid for 4 months – please remember that applicants will not be notified of its expiration. The application can be renewed by submitting a new application, which replaces the previously submitted one.

If you wish to apply for an apartment in different localities, select all areas in the same application. With separate applications, you can simultaneously apply for student or senior apartments in addition to regular apartments.

We will contact you by phone or email if we can offer you a rental apartment. When you receive an apartment offer, we will ask you to provide the necessary attachments for the application. If you wish, you can add the attachments already during the application phase to speed up the processing of a potential apartment offer.

Submitting an Application

You can submit the application electronically or, if necessary, by filling out a self-printed PDF form and delivering it to our customer service. You can also order a paper form from our customer service.

Most of our apartments are available for all adult applicants in need of housing. Senior apartments can be applied for by those aged 55 and over. Student apartments in Helsinki Verkkosaari and Helsinki Kontula are intended for students.

Submit a new application if the information you provided in the application changes:

additional person joins or leaves the applicant household
change in area preferences or apartment-related preferences
change in income information
change in asset information
change in your housing situation and housing needs

Incomplete applications will not be processed. Providing false or incomplete information during the application process will lead to the rejection of the application. If you wish to withdraw your application before its expiration or if your contact information changes, you can notify us either by email at info@setlementtiasunnot.fi or by calling customer service, tel. 010 837 5300.

You can also edit your valid application at https://hakemus.tampuuri.fi/setlementtiasunnot/muokkaus

Credit Information

We check credit information before making an apartment offer. Payment default entries do not automatically prevent obtaining an apartment, but rental debt, repeated entries, and a large amount of debt may affect the ability to get an apartment.

Did you know that you can notify the credit information registries Asiakastieto
and Dun & Bradstreet (formerly Bisnode) if the debt causing the credit entry has been settled. You can supplement your credit information with a statement that you have paid the debt that caused the entry. Notify the registrar of the payment made, so that the credit checker sees that you have handled the matter.

Setlementtiasunnot Oy commits to processing personal and credit information provided on the application form or later in accordance with the Data Protection Act (Regulation 1050/2018).

Rental Apartment Quickly

Do you want to move into our building on short notice? Quick move-in apartments are immediately available or will become available within a short period. All applicants have the opportunity to apply for them. We require that you can start the lease agreement immediately.

How to apply for an apartment

Send an email to info@setlementtiasunnot.fi. We do not respond to inquiries or accept applications by phone.
Write “Quick Move-in Apartments” as the subject of the email. Write the apartment you are applying for and your contact information in the message.
Additionally, submit an apartment application. Mark the building you are applying for an apartment from on the application. If you have already submitted an application within the last 4 months and the information on the application is up-to-date, that is sufficient. If the information has changed from your previous application, please submit a new application.
We primarily offer quick move-in apartments to applicants with an urgent housing need who do not yet reside with Setlementtiasunnot. You can, of course, apply for an apartment even if you already live with us, but in that case, you will have to pay overlapping rent for the notice period when you move.

Only the apartments listed below are available for quick rental.

Remember these

Lease agreements start immediately or at the announced time.
Only apply for a quick move-in apartment if you are ready to accept the apartment in question.
If multiple applications are received for the same apartment, we will offer the apartment based on housing need, assets, and income, following Varken’s tenant selection guidelines.
Only the applicant who receives an apartment offer will receive a response to their message.
A quick move-in apartment will be removed from our pages once the lease agreement has been signed.

Quick move-in apartments, lease agreement starts immediately

Building	Apartment	Size	Rent	Additional Information
Saunalahti	2 rooms + open kitchen + balcony	54 m2	909 €/month	Oikotie
Hyvinkää	2 rooms + kitchen + balcony	49 m2	758 €/month	Oikotie
Hervanta	3 rooms + open kitchen + balcony	65 m2	862 €/month	Oikotie

Income Limits

We adhere to the maximum income limits confirmed by the Government, which came into force on January 1, 2025. The income of the applicant household must not exceed the maximum limits defined in the regulation.

The order of priority for tenant selection remains unchanged; apartments will continue to be allocated to homeless and other applicants with urgent housing needs, low assets, and low incomes. Income limits apply to both the selection of new tenants and apartment changes.

The monthly income of a single-person household must not exceed 3,540 euros.
If the household includes more than one adult aged 18 or over, the income limit is increased by 2,480 euros for each additional adult.
If the household includes children under 18, the income limit is increased by 650 euros for the first child and by 600 euros for each subsequent child.

Age is calculated according to the end of the calendar year in which the application for tenancy is made.

Examples of income limits from January 1, 2025

Persons in household	Income limit
1 adult	3,540 €
2 adults	6,020 €
1 adult and 1 child	4,190 €
2 adults and 1 child	6,670 €
2 adults and 2 children	7,270 €
2 adults and 3 children	7,870 €

What is considered income
When defining income, the permanent gross monthly income of persons belonging to the household is taken into account. The income of working young people living at home is added to the parents’ income.

Exceptions
Income limits do not apply to 55+ apartments and other rental apartments intended for special groups.

Asset Limits

Helsinki from January 1, 2025

Number of persons	1	2	3	4	5
Asset limit	89 000	126 000	204 000	209 000	214 000

If the household includes more than 5 persons, the asset limit is increased by 5,000 € / person.

Espoo from January 1, 2025

Number of persons	1	2	3	4	5
Asset limit	75 000	94 000	125 000	135 000	145 000

If the household includes more than 5 persons, the asset limit is increased by 10,000 € / person.

Vantaa from January 1, 2025

Number of persons	1	2	3	4	5
Asset limit	53 000	66 000	88 000	98 000	108 000

If the household includes more than 5 persons, the asset limit is increased by 10,000 € / person.

Hyvinkää from January 1, 2025

Number of persons	1	2	3	4
Asset limit	60,500	77,000	99,000	121,000

If the household includes more than 4 persons, the asset limit is increased by 5,500 € / person.

Tampere from July 1, 2024

Number of persons	1	2	3
Asset limit	57,000	73,000	98,000

If the household includes 4 or more persons, the asset limit is increased by 10,000 € / person.

Turku from January 1, 2025

Number of persons	1	2	3	4	5
Asset limit	44 000	66 000	88 000	98 000	108 000

If the household includes more than 5 persons, the asset limit is increased by 10,000 € / person.

Joensuu from January 1, 2024

Number of persons	1	2	3	4	5
Asset limit	35 000	52 000	69 000	74 000	79 000

If the household includes more than 5 persons, the asset limit is increased by 5,000 € / person.

We adhere to the asset limits confirmed by the Government. Assets are calculated according to fair value. Fair value refers to the probable transfer price of the property. Debts are deducted from the amount of assets.

Attachments

Attachments may vary. They include, among others:

Proof of income

Income register extract, you can get it here: www.vero.fi/tulorekisteri

Assets

Pre-filled tax return (for those aged 18 and over)
Proof of asset value (e.g., housing shares, real estate, and holiday homes, as well as securities), for real estate, a real estate tax bill
Proof of loans related to the applicant household’s assets (e.g., mortgage)

Other necessary attachments depending on the reason for housing need

Proof of threat of moving or obligation to move, sale of apartment, or renovation
For students, a valid certificate of study or decision on acceptance to a study place, if you are moving to another locality due to a study place
Employment contract, if you are moving to another locality due to a job
Latest lease agreement and rent payment receipt, notice of termination of lease agreement
Residence permit / registration certificate
Pregnancy certificate
Medical certificate, if illness or disability requires a healthier or more suitable apartment
Receipt for paid rental debts (if the applicant has had unpaid rents)

In case of cohabitation/divorce

Certificate of pending divorce or decision
Agreement on child custody and residence (for children under 15)
Ex-spouse’s pre-filled tax return (if you are divorcing or it has been no more than 2 years since the divorce)

Once you have received an apartment offer, please submit the scanned attachments in PDF format to info@setlementtiasunnot.fi.

Be prepared to provide the necessary attachments for your application. If you wish, you can attach them already when submitting the apartment application. If attachments are missing, we will request them in connection with a potential apartment offer.

Attachments are needed to verify the information provided in the application. Please note that the required attachments vary on a case-by-case basis.

Tenant Selection

Our apartments are interest-subsidized rental apartments, for which tenants are selected based on applicants’ housing needs and application criteria, not on a queuing principle. We follow Varken’s (formerly ARA) tenant selection guidelines.

An available apartment is offered to the applicant who needs it most. Priority is given to applicants with the most urgent housing needs, the lowest assets, and the lowest incomes. The urgency of housing need is divided into three categories:

Applicants with extremely urgent housing needs

Homeless applicants: Those staying outdoors, in temporary accommodation, care or welfare homes, crisis apartments, or with relatives/acquaintances.
Threat of homelessness without one’s own fault: E.g., termination, demolition, forced sale of an apartment, or unsuitability for habitation by official decision.
Essential and permanent need for an accessible apartment: The current apartment is not accessible.
Extremely cramped living conditions: More than three persons/room or a maximum of 10 m²/person.
Moving to a new place of work or study without an apartment.

Applicants with urgent housing needs

The applicant has unreasonable housing costs relative to their income; the household spends more than 40% of its gross income on rent and other housing costs for the current apartment.
The applicant has a fixed-term lease agreement that cannot be extended, or the applicant has been evicted from their current apartment.
The applicant is 18 years old or over and lives with their parents in the municipality from which they are applying for an apartment.
Cramped living conditions (more than 2 persons per room, excluding the kitchen as a room, or a maximum of 15 m2 per person).
One’s own or a family member’s permanent illness or disability requires a healthier or more suitable apartment.
The lack of an apartment prevents a married or cohabiting couple from moving apart.