The Finnish Landlord Association offers various services to its members as well as membership benefits for services of our partners. These services and benefits help make renting easier, more rewarding and more profitable.
Membership benefits
Oikotie Asunnot – Rental and sales listings
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.
• Individual members of the Finnish Landlord Association get a 50% discount on new premium rental listings, for the price of €35 (standard price €70).
• In addition to the standard listing, premium rental listings include highlighted listings on the search result page, 3 credit checks, a listing guarantee 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 €74.50 (standard price €149).
• 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
Vuokraovi.com – Rental listings
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
Dun & Bradstreet – credit check
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 €14.90). 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.
Docue – e-signatures and agreement templates
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.
KTI Laskutus – Debt collection service for members
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 €49.60 (incl. VAT 24%)
- 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.
If – Landlord insurance
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:
- 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.
- 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.
- You are insured for loss of rental income, should your apartment be uninhabitable due to damages or your tenant intentionally damages the apartment.
- The insurance is tax-deductible.
Developed together with the Finnish Landlord Association, If’s landlord insurance snatched its fourth #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
LähiTapiola landlord 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.
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
Pohjola Vakuutus – Lessor’s insurance
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.
Avaindata – Information service
Asuntoliiga Oy’s easy-to-use Avaindata information service provides important data for property investors!
As a member of the Finnish Landlord Association, you get 50% off of Avaindata’s single user licenses. The service is regularly priced at 890 EUR/year or 89 EUR/month. The benefit is available for individual members only.
To activate your benefit:
To use the Finnish Landlord Association member benefit, enter your membership benefit code when subscribing to the Avaindata service at the Asuntoliiga online store. In the cart, enter your membership benefit code under ‘Käytä kuponki’ (Use coupon) before checkout. The benefit is applicable to a single license with Avaindata Liiga and Avaindata Liiga Try Out subscriptions.
Asuntoliiga Oy:
Asuntoliiga Oy’s Avaindata information service simplifies analysing and keeping track of the housing market. When you search for an address, the service compiles data for a specific region into a report which is sorted by themes. You can also drill down on the information based on building and apartment type. Avaindata is designed to serve professionals in the housing market – real estate investors and agents, constructors, people involved in regional development – along with anyone selling or buying a home.
The Avaindata service provides information collected by Statistics Finland, Suomen Asiakastieto Oy, and Schibsted Suomi Oy’s Oikotie service. The data covers entire Finland and takes recent developments in various indicators, e.g. prices, migration and demographics, and converts them into a visual representation. The data is supported by monitoring of latest news, available for the 20 largest Finnish cities. Data contents are curated by specialists from Asuntoliiga Oy and Robonomist Oy, with the latter responsible for the technical implementation of the service.
Nooa Savings Bank – Banking services
As a member of the Finnish Landlord Association, you have a dedicated crew of savings bankers at your service. This benefit is available for both individual and corporate members.
The Savings Banks Group has been promoting financial well-being for both individuals and businesses for over 200 years. At your local Nooa Savings Bank, we are always on your side. With us, you can rely on a personal approach and a wide range of digital banking services. We primarily serve customers in financing needs in the capital region. Appointments are available at the Helsinki (Aleksanterinkatu), Espoo (Matinkylä and Leppävaara), Vantaa (Tikkurila) and Järvenpää offices. Get in touch with your Nooa contact person here and book a meeting!
Get to know the ‘savings bankers’ of the Finnish Landlord Association:
I’ve worked in banking since 2005. My priority is to take care of my customers’ matters reliably, efficiently and with regard to each customer’s unique needs. My goal is to simplify the management of financial matters. I feel that a satisfied customer is the best reward. Book an appointment or give me a call. See you soon!
Krista Alaiso
Savings Banker, financing and saving
Please call: 040 774 0366
Please send e-mail to: krista.alaiso@saastopankki.fi
Book an appointment
I am a Financing Manager at Nooa Säästöpankki and I’ve been working in banking for a long time. I would be happy to help you with both financing and investment solutions. Rest assured that we will find the perfect solution for you. We can book an appointment wherever you want. I also serve my customers in Swedish.
Martina Lindholm
Financing Manager
Phone: 040 4860 262
E-mail: martina.lindholm@saastopankki.fi
Book an appointment
Kiinteistömedia’s books, forms and e-products
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.
Kiinteistölehti
As member of the Finnish Landlord Association, you get 50% off of annual subscription to the Kiinteistölehti magazine. The special membership benefit price is €46/year (standard price €92). 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.
By subscribing to Kiinteistölehti’s newsletter you can stay up to date on what’s new in real estate.
Harri Huru & Marko Kaarto: Asuntosijoittajan lumipalloefekti
As a member of the Finnish Landlord Association, this book is available to you for a special members only price of €39.70 (standard price €58). The benefit is available for both individual and corporate members.
Veteran real-estate investors Harri Huru and Marko Kaarto know how to help create a snowballing effect in growing your real estate investment. They have now compiled their knowledge into one book. They want to help readers create a snowball effect where the investment simply rolls along making profit yet remaining fully under the control of the investor.
For instance, the book answers the following questions:
• How can you reach a level where the profitability and growth of your real estate investment improve without taking unnecessarily high risks?
• How can you get your real estate investment snowballing?
• How can you use the BRRRR (‘Buy, Rehab, Rent, Refinance, Repeat’) method to make the snowball bigger?
• What are the key performance indicators of a professional real-estate investor?
• How can you grow and accelerate your snowball with tax planning?
• How can a real-estate investor recover their initial investment in just three years?
• How can you become a developer?
• How can you build a rowhouse with relatively little equity by leveraging the competence of others and borrowed capital?
To activate your benefit:
Go to the online store and enter the Finnish Landlord Association membership benefit code in the campaign code field.
Unna Lehtipuu and Tellervo Uotila: 8 tapaa menestyä asuntosijoittajana
Members of the Finnish Landlord Association get a 20% discount for both the printed and the digital version. This benefit is available for both individual and corporate members.
8 tapaa menestyä asuntosijoittajana’ is a book for beginner investors. It describes the most common alternatives for investing in real estate. The book gives a detailed look on real estate investment as a great way to accumulate capital and how to get started by using an existing security (e.g. your home, summerhouse or plot of land) and controlled leveraging. The book provides new perspectives into real estate investment opportunities.
Easy to read, inspiring and practical, it encourages the reader to step into the world of real estate investment – in the capacity that best suits the reader.
To activate your benefit:
Go to the online store and enter the Finnish Landlord Association membership benefit code in the campaign code field.