Asumisoikeusyhtiöllä

Asumisoikeusyhtiö is a Finnish housing company that offers residents the right to live in an apartment without owning it. This is a form of housing tenure that combines aspects of rental and ownership. Residents pay an initial fee, called an asumisoikeusmaksu, which is a significant portion of the apartment's market value, but they do not own the property. In addition to this initial fee, residents pay a monthly housing fee, which covers maintenance, operating costs, and services.

The asumisoikeusmaksu is typically set at 15% of the apartment's original construction cost, adjusted for inflation. This fee is refundable when the resident moves out, with a deduction for potential wear and tear. The monthly housing fee is determined by the housing company and is generally lower than market rent for comparable properties.

Asumisoikeusyhtiö plays a role in providing affordable housing options in Finland. The initial fee makes it more accessible than outright ownership, while the lower monthly costs offer financial relief compared to typical rental agreements. These companies are often established by municipalities or other public entities to promote housing availability. Residents in an asumisoikeusyhtiö have similar rights and responsibilities to tenants, including the right to a peaceful living environment and the obligation to maintain the property. The structure aims to provide stable and affordable housing for a longer term.