Membership benefits

As a member of the Finnish Landlord Association, you get a 50% discount at Oikotie for new premium rental listings and sales listings for apartments. This benefit is available for individual members.

You get the discount and the benefits with a valid membership benefit code. The code is entered as you submit the listing.

Oikotie provides two options for rental listings: a free listing and a premium listing. Both types of listings reach a wide target audience. However, with the premium model you have affordably priced additional services at your disposal.

*) The discounts are valid for private landlords. They expire once the apartment is rented/sold.

Rental listing:

• Oikotie rental listings are free for private individuals. This advertisement does not include the logo of the Finnish Landlords Association nor credit check inquiries.
• Individual members of the Finnish Landlord Association get a 50% discount on new premium rental listings, for the price of € 37,50 (standard price €75).
• In addition to the standard listing, premium rental listings include highlighted listings on the search result page, 3 credit checks and a Finnish Landlord Association logo in the listing.

Publish your listing at Oikotie

Sales listing:

• Individual members of the Finnish Landlord Association get a 50% discount on new sales listings, for the price of €79.50 (standard price €159).
• Your sales listing includes templates for offers and deeds of sale, brochure templates for your viewings, a listing guarantee, customer support and visitor data.

Sell your apartment at Oikotie

Oikotie Asunnot:

Oikotie Asunnot is the best-known housing service in Finland. Over a million users visit the website and mobile app every week. With 300,000 users visiting the rental section, you will find your tenant quickly.

You can reach the Oikotie customer service by phone on weekdays from 9 AM to 4 PM at +358 10 808 840 or by e-mail at oikotie.asunnot@oikotie.fi

As an individual member of the Finnish Landlord Association, you get 50% off of new rental apartment listings, highlighted listings on the Vuokraovi.com search results page, and the Finnish Landlord Association member logo in the listing. This benefit is available for individual members.

Loyalty benefits

Every fourth listing is provided free of charge. This also applies to listings purchased with Finnish Landlord Association member prices.

Varmasti vuokralle guarantee

Vuokraovi.com also provides a Varmasti vuokralle guarantee for individual landlords, meaning that the listing will be refunded if you don’t find a tenant via Vuokraovi.com. The listing is required to stay online for a period of eight weeks, uninterrupted. If you are entitled to a refund, please contact the Vuokraovi.com customer service.

To activate your benefit:

You can apply your discount by using your membership benefit code. The code is entered on the summary page before submitting the listing. You can edit or remove the listing at any time.

Add a listing to Vuokraovi.com

The Vuokraovi.com customer service can help you with your listing

• e-mail at palaute@vuokraovi.com
• phone at +358 10 665 5505, weekdays from 10 AM to 4 PM

Vuokraovi.com provides efficient tools and a target group for secure and efficient marketing of your rental apartment.

• The only rental calculator available in the industry helps you set the rent according to the market.
• Most rental apartment seekers in the country: 300,000 users per week (Google Analytics).
• Risk-free Varmasti vuokralle guarantee: the listing will be refunded if you do not find a tenant via Vuokraovi.com.
• Loyalty benefit: Every fourth listing is provided free of charge. This also applies to listings purchased with Finnish Landlord Association member prices.
• Flexible management of listings and contacts, all required rental document templates

Easily run a credit check for a prospective tenant at the Dun & Bradstreet online service, with a special members only price of €9/person (standard price €16.90). This benefit is available for both individual and corporate members.

The PDF report includes payment default entries (with dates), other remarks of payment (with dates) and the types of payment defaults.

Activate your membership benefit by logging into the member page!

Not yet a member? You can join here.

Members of the Finnish Landlord Association get five e-signatures per year free of charge (standard price €11.80 / 5 signatures). This benefit is available for both individual and corporate members.

An e-signature requires a touch screen signature, drawn on the screen of a smartphone, or a strong identification (verified with banking credentials). Strong identification is recommended especially if you have not verified the identity of the other party in person. E-signatures can be used to sign documents prepared in the Docue service or your own PDF documents.

Docue also serves as your gateway to electronic lease agreement templates published by the Finnish Landlord Association. The most popular agreement templates have been uploaded to this service. This benefit is available for individual members.

Activate your membership benefit by logging into the member page!

Not yet a member? You can join here.

Danske Bank offers personal members of the Finnish Landlord Association significant benefits in housing loans, investment services and everyday banking services.

The benefits apply to private persons, not to business IDs or associations. In other words only personal members are eligible for the benefits.

Read more and access the benefits

Housing loan benefits

Housing loan without fees

We will not charge you delivery or origination fees for a housing loan. The normal delivery and origination fee for a housing loan is 0.60% of the loan capital, subject to a minimum of €300.

Investment property loan without fees

We will not charge you delivery or origination fees for an investment property loan. The normal delivery and origination fee for the loan is 0.60% of the loan capital, subject to a minimum of €300.

Instalment-free periods without fees

You can apply for a total of 12 instalment-free months (1-3 months at a time each year) during the loan period. You save €200 for each instalment-free period granted.

The product is Housing Loan Steady. The loan and instalment-free benefits apply to new loans. Eligibility for a loan, a credit card and instalment-free periods require a positive credit decision.

Example housing loan: If the customer takes a housing loan of €170 000 where the loan term is 25 years and the reference rate for the loan is the 12-month Euribor, the total interest rate of the loan would be 3.031% (3.160% Average Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other credit expenses is €245,675.21, including the origination fee of €1,020 and an automatic account debiting charge of €2.70/payment. The number of payments is 300. The example has been calculated based on interest information valid on 02.12.2024.

Saving and investor benefits

Danske Harvest Account – rewarding and flexible account saving
We pay a competitive rate of interest (3-month Euribor – 0.9%) on deposits in a Danske Harvest Account from the very first euro. You can make up to five free withdrawals each month. The account is free and suitable for example as a rent payment account for an investment property or to build up a deposit for your next investment property.

Free monthly trading service and equity custody
Danske Trade Online for stock trading and the custody of domestic and international equities for €0/month. The benefit also applies to equity savings accounts. Save up to €4/month.

Lower trading fees
Brokerage fees starting automatically at price level 2 (0.12%, min. €5)

Free Real-Time service
Real-time Nordic stock exchange prices and real-time Kauppalehti news – save €1.95/month

10% discount on asset management and investment advice
You get a 10% discount on Danske Delegate asset management fees and Danske Advice advice fees.

Danske Premium benefit

Danske Premium service at a 50%, just €6.25/month.

The benefits apply to private persons not to business IDs or associations.

Benefits on daily banking services

You get a 50% discount on the monthly charge for the Danske Platinum Plus daily service package and on the annual charge for the Mastercard Platinum credit card.

The interest rate of Mastercard Platinum credit is the three-month Euribor + 9 percentage points. The Annual Percentage Rate of the credit card is 16.8%, calculated for a credit of €4,000 (02.12.2024). The estimated total amount payable of credit and interest and fees is €4,339.96, calculated for a credit of €4,000 (02.12.2024). The estimated total amount of credit payable and the Annual Percentage Rate have been calculated with the assumption that the credit period is one year, the credit has been disbursed entirely, the interest rate of the credit is 12.0% and the annual fee is €76 remain unchanged throughout the credit term, and the credit is paid back in 12 equal payments one month apart. The agreement is valid until further notice. The interest rate changes every three months, according to the reference rate of the first business day in March, June, September and December. The credit is granted by Danske Bank A/S, Finland Branch.

Danske Bank A/S, Finland Branch Registered domicile and address Helsinki, Televisiokatu 1, 00075 DANSKE BANK. Business ID 1078693-2. Danske Bank A/S Copenhagen CVR number 61 12 62 28.

As a member benefit of the Finnish Landlord Association, you get a 20% discount on PRO-level annual licenses. Enter the Landlord Association’s membership benefit code when placing your order.

• Pro Ten: 74€ -20% = 59,20€
• Pro Hundred: 149€ -20% = 119,20€
• Pro Thousand: 298,80 -20% = 239,04€

The Vuokratili software is a service developed and owned by the Finnish company Itech-Bros Oy for landlords. The application scales to fit both small and large operators. Designed specifically for landlords, it provides an easy-to-use ERP platform for monitoring rental receivables, bookkeeping, maintaining and analyzing the entire rental business, and submitting tax declarations directly from Vuokratili to OmaVero with the press of a button.

• Rental monitoring
• Smart auto-matching directly from the bank statement
• Income and expenses with receipts
• If desired, electronic tax declaration submission to OmaVero at the press of a button
• All receipts and transactions are stored for the legally required period, even if you cease rental activities
• Comprehensive pre-made reports available
• You can monitor and analyze key figures of your rental business

Contact us for more information:

• By email: pekka.turunen@itech-bros.fi
• By phone: +358 400 673 970

Learn more: www.vuokratili.fi

As a member of the Finnish Landlord Association, you can easily assign any unpaid rents to KTI Laskutus Oy for a members only price. This benefit is available for individual members.

Member prices:

• Opening a debt collection assignment €50,20 (incl. VAT 25.5%)
• Commission for extrajudicial debt collection 0%
• Commission for post-collection 5%

Any extra costs related to debt collection are collected primarily from the tenant. If debt collection from the tenant fails, these costs may be collected from the landlord.

To activate your benefit:

Commence with debt collection quickly and effortlessly by e-mailing us at perinta@ktilaskutus.fi or calling us at +358 10 411 2772. You can activate the benefit by indicating that you are a member of the Finnish Landlord Association and entering a valid membership benefit code.

At a minimum, debt collection requires the following information:

• Indication of notice given to the tenant. (Please note! If the tenant is a private person, you only need to give notice once. Debt collection may commence after 14 days of the notice.)
• A copy of the lease agreement.
• Information regarding overdue rents, including sums and due dates.
• Indication of whether the tenant is still living in the rental apartment.

KTI Laskutus Oy is a full-service Finnish company that specializes in debt collection and management of receivables, particularly focusing on digital services. The Key Flag Symbol verifies that we are truly a Finnish company.

Our approach to debt collection is to preserve the relationship between our client and the debtor. Our strength is finding a solution for paying the receivables. If necessary, we make payment plans and also monitor them. Your tenant is an important client to us as well. We are not just faceless collectors that send bills. A polite phone call or an e-mail may often provide key information on why the rent is unpaid. We also devise solutions for these situations, making rent management more efficient.

KTI Laskutus homepage

As a member of the Finnish Landlord Association, you get first month free when you take out a new landlord insurance. This benefit is available for individual members with privately-owned investment properties.

Four good reasons to buy insurance for your investment property:

1. You ensure your property is secured for any damages. Your tenant’s home insurance may be terminated without your knowledge. Also, the housing company may not have insurance that covers e.g. a new floor you have just installed.
2. The insurance also reimburses any legal fees e.g. in disputes concerning the rent, provided that the insurance is valid on the day the lease agreement is signed.
3. You are insured for loss of rental income, should your apartment be uninhabitable due to damages or your tenant intentionally damages the apartment.
4. The insurance is tax-deductible.

Developed together with the Finnish Landlord Association, If’s landlord insurance snatched its fifth #1 spot in our insurance comparison test.

If you are a member, first log in to the member page to use the benefit.

I am not a member but I want to know more about the insurance

Use your benefit and insure your investment property. As a member of the Finnish Landlord Association, you get 10% off of LocalTapiola’s landlord insurance (‘Huoneistoturvavakuutus’). This benefit is available for individual members.

To activate your benefit:

When making a purchase, you need to have your membership number available. You can find it by e.g. logging into our member pages in the ‘Personal Information’ section or checking your membership invoice, the newsletter or the address field of the Vuokranantajat magazine. To apply the 10% discount to your insurance quote, provide your membership number as you request a quote.

Request a quote

LähiTapiola:

LähiTapiola helps and advises both private and corporate customers in matters related to safety, security, finances and health. LähiTapiola offers versatile options for securing your future: choose from non-life, life and pension insurances as well as saving and investment services, all according to your needs.

Contact: www.lahitapiola.fi/henkilo/asiakaspalvelu/yhteystiedot

Take out a landlord insurance (called Lessor’s insurance at Pohjola Vakuutus) and benefit from a reduced deductible.

As a member of the Finnish Landlord Association*, you get a reduced deductible with your landlord insurance, applicable to your consequential loss insurance. This benefit is available for individual members with privately-owned investment properties.

If the damage (e.g. fire or leakage damage) related to the covered loss of rental income exceeds your deductible, the deductible is not deducted from your insurance compensation. The deductible is the equivalent of 50% of one-month rent.

• The landlord insurance offered by Pohjola is suitable for all residential apartments and properties. The insurance includes the basic cover, i.e. Pohjola Home insurance, along with optional additional coverages: consequential loss insurance, legal expenses insurance and general liability insurance.
• The most competitive insurance in the insurance comparison** and one of the best providers of extended coverages for landlords.
• Lessor’s consequential loss insurance compensates you for loss of rental income if your investment property is temporarily unfit to live due to damage covered by Pohjola Home Insurance and you lose out on rental income during the renovation.
• Get a tailored insurance for your investment property’s surface materials, parts of the apartment and fixtures. You can also insure your home contents if you are renting out a furnished apartment.
• The landlord insurance offered by Pohjola also covers any extensions to maintenance liability assigned to you based on the articles of association or with a decision by a shareholders’ meeting.
• Competitive deductibles and insured values.
• If you are our owner-customer, the deductible in losses due to fire, natural phenomenon and criminal damage in your home may be as little as 0 euros.

To activate your benefit:

Request a quote and provide your membership number to our customer service by calling +358 303 0303 or by visiting our offices. If you are already a customer, update your membership information with our customer service to activate your membership benefit. The membership benefit cannot be currently activated at our online service or on OP-mobile.

Read more about the insurance here

The insurance is issued by Pohjola Insurance Ltd.

*The membership benefit applies to new and existing Pohjola Lessor’s insurances with lessor’s consequential loss cover as an additional cover.

**Full comparison of landlord insurances 2022. Commissioned by: The Finnish Landlord Association Executed by: Söderberg & Partners Finland. The comparison is available at the Finnish Landlord Association’s member pages.

As a member of the Finnish Landlord Association, you get 20% off of regularly priced Kiinteistömedia Oy book products (print and e-books). The discount does not apply to bundled or discounted products. This benefit is available for both individual and corporate members.

Go to the online store and enter the Finnish Landlord Association membership benefit code in the campaign code field.

Go to online store

As member of the Finnish Landlord Association, you get 50% off of annual subscription to the Kiinteistölehti magazine. The special membership benefit price is €49.50/year (standard price €99). This benefit is available for both individual and corporate members.

Suomen Kiinteistölehti is essential reading for anyone involved in housing companies. There are 10 issues per year. Each issue includes landlord interests, juridical content, market data, and other current topics.

Keep up to date on housing company matters and subscribe to Kiinteistölehti!

To activate your benefit:

Go to the online store and enter the Finnish Landlord Association membership benefit code in the campaign code field.

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