asumistukien

Asumistuki, or housing allowance, is a Finnish social security benefit administered by Kela to help low-income residents cover housing costs. The term asumistukien (the plural) refers collectively to the two main forms of this aid: yleinen asumistuki (general housing allowance) and erityinen asumistuki (special housing allowance). The system is designed to reduce the share of income spent on housing and to prevent housing deprivation.

General housing allowance is intended for people whose housing costs are high relative to their income and household size. It can be granted to renters and, in some cases, to homeowners or those living in housing with mortgage costs. Special housing allowance is available in addition to or instead of the general form for individuals with certain special needs or circumstances that increase housing costs, such as disability or illness, or other factors that affect the ability to cover housing expenses. Both forms are means-tested and depend on income, housing costs, number of residents, and the dwelling’s size and location.

Applications are submitted to Kela, usually online, with information about income, housing costs (rent or mortgage), and household composition, along with any required documents. The benefit is paid monthly, and in some cases can be paid directly to the landlord. The amount is calculated to balance housing costs with the claimant’s income, subject to maximum limits, and the recipient may bear a portion of the costs themselves. The decision can be revised if circumstances change, and decisions are subject to appeal through Kela’s processes.