How can I apply for a right-of-occupancy apartment?

Here’s what to do when you’ve decided to apply:

1. 1

   Check if you’re eligible

   Before filling out the application, make sure that you are eligible for a right-of-occupancy home. 

   If you’re already a Haso resident and want to change apartment in your own building, move straight to step 4, as you don’t need a queue number to apply.

2. 2

   Get a Queue Number

   As of 1 September 2023, queue numbers are issued by the Housing Finance and Development Centre of Finland (ARA). 

   Fill in the online application for an ARA Queue Number

   PLEASE NOTE: The old queue numbers issued by municipalities expired after 31 December 2023. Read more about it on the ARA website (in Finnish).

3. 3

   Read about the Haso properties and available homes

   Property details, including apartment types, are compiled on their respective sits.

   See all Haso properties

   Explore available homes.

   See all available and soon-to-be available homes
4. 4

   Fill in the electronic application

   Go to the housing application form

   (The form is located in a different online service. You can select the language in the lower right corner.)

   On the other hand, if you are already a Haso resident and only want to search for apartments available in your building, complete the internal application form.

   Go to internal application form

   (The form is located in a different online service. You can select the language in the lower right corner.)

5. 5

   Secure funding

   Agree with a bank on a loan in advance if you are financing the right-of-occupancy fee with a loan. A right-of-occupancy contract can be pledged as collateral for the value of the original right-of-occupancy fee.

6. 6

   Explore available homes on offer

   Soon-to-be vacant Haso homes will only be offered to applicants who have submitted an application before the start of the offer round.
   In practice, Haso announces apartments that are being vacated on the vacant apartments page after the previous tenant of the home has terminated their contract and the three-month notice period begins.
   
   Haso’s housing agents will send an offer to the estimated 50–250 applicants whose criteria the vacant apartment meets and who have the smallest queue numbers, or who are already residents of the property that have submitted an application before the start of the bidding round.

   Housing offers are sent by email. This step is called an offer round, which takes 5–10 business days.

   Candidates are ordered in the offer round as follows:
   • Priority will be given to existing property residents that have submitted an application to Haso.
   • Holders of old queue numbers issued by municipalities have second priority until 31 December 2023.
   • Holders of queue numbers issued by ARA have third priority.
   You will have the opportunity to visit the property during the offer round. The presenter is either a resident of the apartment or the maintenance company, more details are given in the offer letter.

7. 7

   State your interest during the offer round

   If, after viewing the apartment, you are interested in it, we kindly ask that you contact us. You have 5–10 business days to consider, i.e. the duration of the offer round. If you’re not interested in the apartment, you don’t have to let us know.

8. 8

   If you are accepted as a new right-of-occupancy holder, provide the requested clarifications

   When the offer round ends, we will review interested candidates. If you’re first, we’ll be in touch to approve you as the new resident.

   At this point, we’ll ask for a statement regarding your wealth. Find out what the wealth level statement (information in Finnish) means now so you have all the necessary clearances ready. The statement, i.e. the ARA form and its attachments, must be submitted within three working days. 

   With this form you can declare your assets:
   Download word-document: Account of assets for the purpose of approving the right of occupancy
   Download pdf-document: Account of assets for the purpose of approving the right of occupancy

   If your wealth does not exceed the limit and you are not the resident of a similar apartment owned by you in the search area, you will be accepted as a right-of-occupancy holder.

9. 9

   Sign the contract

   The contract can be signed either electronically or in a meeting with the agent, whichever suits you best.

   The offer letter indicates the date the apartment is vacant, which is the first possible date of receiving the apartment and the date when your consideration payments begin. A vacant apartment must typically be accepted in about 2–4 weeks after we have accepted you as a right-of-occupancy holder. 

10. 10

    Pay the right-of-occupancy fee

    The right-of-occupancy fee must be paid before moving in. You will receive the keys to your new home once the payment has been made.