Application
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Our vacant apartments remain visible online until the lease is confirmed. As a result, some apartment listings will be visible online even after the rental process has progressed and a tenant has been selected. Due to the Housing Finance and Development Centre of Finland’s regulations governing our operations, our apartments must be publicly visible and searchable until the lease is confirmed. This way, everyone has the opportunity to apply for the apartment if, for one reason or another, the apartment offered to the applicant becomes available again.
We offer our vacant apartments first to the people who have the greatest need for housing.
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You can select favourite homes to communicate your wishes concerning the apartment to our rental negotiators. These favourites help our rental negotiators find suitable apartments for you. Please note that you may not get an offer for one of your exact favourite homes, but our negotiators can offer you similar apartments according to the Housing Finance and Development Centre of Finland’s guidelines of resident selection. You can also submit an application without selecting any favourite homes.
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We go through each housing application we receive. When apartments become vacant, all suitable applications are taken into account. The successful applicant is selected based on the Housing Finance and Development Centre of Finland’s criteria.
We aim to prioritize tenants with the most urgent housing needs. Tenant selection considers the urgency of your housing situation, your personal circumstances, and your income and assets. Each application is evaluated individually, and we do not use a traditional queuing system.
Your application is valid for three months. If we haven’t offered you an apartment within that time, remember to renew your application.: m2kodit.fi/application
Tip: Consider expanding your search criteria. The broader your preferences, the easier it is to find a suitable apartment. For instance, select multiple areas instead of focusing on one building, and if the number of rooms isn’t critical, leave that field open.
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M2-Kodit rental apartments are regular rental apartments that are meant for everyone. But since they are funded by the Housing Finance and Development Centre of Finland, we have to take into account a few rules in the resident selection process.
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Submit only one application. The broader your search criteria, the easier it is to find a suitable apartment. For example, select multiple residential areas instead of focusing on one building, and if the number of rooms doesn’t matter, leave that field open. You can also mark your favorite apartments on the application if there are specific ones you’d like to move into. If you edit your application afterwards, it will always replace the previous application you submitted.
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A Finnish personal identity code is required to apply for an M2-Kodit apartment. It is used to check your credit information during the application process. While a loss of creditworthiness does not disqualify you from applying, it may affect the details of the tenancy agreement, such as the amount of the security deposit.
The application also asks for other basic information, including contact details, employment or study information, and details of anyone moving with you. You’ll also need to indicate your gross monthly income (before taxes) and provide details on your assets, loans, and debts. We collect this information to ensure tenant selection complies with ARA’s guidelines.
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Go to the top of our website and select “Application,” then click “Edit application” . The first time you update your application, you’ll need to authenticate using online banking credentials. After that, you’ll receive application-specific login details for easier updates.
It’s especially important to update your application if your personal situation changes. Keeping your information up-to-date helps us match you with a suitable apartment more efficiently.
Applications are valid for three months from the date you submit them or from the last time you made changes. If you forget to update your application before it expires and haven’t received an offer, simply submit a new application. -
It’s not necessary to add attachments when submitting your application. Attachments are requested on a case-by-case basis if a suitable apartment is found for you. You can easily upload any required documents by editing your application in our online service.
Tenant selection and getting an apartment
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Your application is processed as soon as you submit it. We do not use a queueing system; all applicants are included in the tenant selection process. The selections are made in accordance with ARA’s tenant selection criteria.
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Tenant selection for M2-Kodit apartments is based on ARA’s criteria. As a result, one applicant may receive an offer the same day, while another may wait several months for a suitable apartment to become available.
Due to the specific nature of tenant selection, we cannot provide interim updates on your application. If we find a suitable apartment and can offer it to you, we will contact you promptly.
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The number of applicants varies greatly depending on the city. In larger cities, dozens of people may be interested in the same apartment.
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M2-Kodit apartments are standard rental homes for everyone. However, since they are financed by ARA, certain rules must be considered in tenant selection. The most important factors are the urgency of housing need, the applicant’s financial situation, and their overall life circumstances. Starting from 2025, income limits will also influence tenant selection.
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While finding a new home is understandably a priority, unfortunately, you cannot expedite receiving an offer by calling about your application. We recommend contacting customer service only if your circumstances have changed and you cannot update your application details online.
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If we can offer you an apartment, we will promptly notify you via text message and email.
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Our available apartments remain listed online until a rental agreement is signed. Due to ARA regulations, our apartments must remain publicly visible and open for applications until the rental is confirmed. This ensures that everyone has the opportunity to apply, especially if the initial offer is declined. If the apartment is available, we prioritize offering it to the tenant with the greatest housing need.
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In many cities, the number of applicants exceeds the number of available apartments. ARA’s tenant selection criteria determine who is offered an apartment. If you did not receive the apartment you hoped for, another applicant may have had a more critical housing need or life situation.
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Provide detailed information about your situation and housing need in your application. Create the broadest possible search criteria—for instance, expand your search area to include the entire city instead of just one neighborhood.
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A credit default entry does not prevent you from applying for a home, so we encourage you to submit an application. However, it may affect the security deposit amount or contract terms. These details are determined on a case-by-case basis if a suitable apartment is found.
The deposit amount may range from 1 to 3 months’ rent, depending on the situation. Accepted forms of security include cash deposits, as well as guarantees from Kela or social services. Personal guarantees are not accepted.
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You can apply for a new M2-Kodit apartment if your circumstances change. In that case, fill out a new application or list your current apartment in the apartment exchange market through the OmaM2 service.
Apartment details and living in M2-Kodit
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We aim to take new photos of apartments whenever possible. However, we can only photograph apartments when they are vacant. Often, tenant turnover happens so quickly that there isn’t enough time to arrange photography between residents.
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Pets are always welcome to live with you in M2-Kodit apartments, except for the one allergy-friendly building in Hyvinkää. You do not need to mention pets in your application.
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This depends on the apartment. In some M2-Kodit apartments, the water fee is included in the rent, while in others, it is charged separately. Information about water fees can be found on the apartment’s listing page.
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Tenants are responsible for arranging their own electricity contracts when moving into the apartment.
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Detailed information about the property can be found on the building’s dedicated page. To access the building page, go back one level in the breadcrumb navigation on the apartment listing.
Tenants can also find their building’s details through the OmaM2 service.
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Depending on the property, parking spaces are available outdoors with or without electrical outlets, as well as in garages or parking halls. Parking fees vary by property. Check with your building’s maintenance company for available parking spaces and their prices.
Apartment viewing
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M2-Kodit does not arrange public viewings. If a suitable apartment is found for you, you will receive a housing offer. After that, you will have the opportunity to view the apartment in a private showing.
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M2-Kodit’s leasing advisors will contact you if a suitable home is found and we can offer you an apartment. Viewings are not arranged upon request before this point.