Tenant Deductions from Deposit in Finland

For many tenants in Finland, rules about deductions from a security deposit can feel complicated. This article clearly explains when a landlord can make deductions from the deposit, the most common mistakes, and how a tenant can protect their rights. I describe practical steps, what documents to collect and how to submit complaints in writing. The content is based on housing regulations and gives concrete tips for situations where a deduction seems unreasonable or incorrect. The aim is to help tenants understand the process and act effectively without legal expertise. The article also explains how to contact authorities, what attachments to include with a complaint and when to bring the matter to a housing board or court. Read the practical examples and check deadlines carefully.

Common mistakes with deposit deductions

The following mistakes repeat frequently and lead to conflicts between landlord and tenant.

• Deductions without clear cost estimates or receipts.
• Claims that confuse normal wear and tear with damage repair.
• Missing or unclear documentation at the end of tenancy.
• Failing to meet deadlines for responding or filing complaints.
• Deductions not based on the lease agreement or the law.

What a tenant should do immediately

Check the move-in inspection report and compare the apartment to it. If you notice a defect or damage, take photos right away and record the issues. Notify the landlord in writing and keep a copy of the sent message. If the landlord makes a deduction without clarification, ask for an itemization and receipts before accepting the deduction.

In Finland, tenancy relations are regulated by residential lease provisions, and the law includes definitions regarding security deposits and deductions.^[1] If you cannot reach an agreement, consider mediation options or filing a complaint with a consumer or appropriate board.^[2]

Documentation: what to collect

Good documentation makes dispute resolution clearer. Collect before moving out:

• Photos and videos of the apartment condition and any damages.
• All receipt copies for repairs and maintenance.
• Emails, text messages and written notices to the landlord.
• The original lease agreement and any annexes.

Usein kysytyt kysymykset

Can a landlord deduct normal wear and tear from the deposit?

No, normal wear and tear is generally not chargeable against the deposit, but clearly caused damages can be compensated.

What to do if a deduction seems unreasonable?

Ask for a written itemization, provide your documentation and negotiate; if necessary, take the matter to a dispute board or court.

How quickly must a landlord return the deposit or provide an itemization?

There is no single answer for return time; check the lease and submit your written claim requesting an itemization of charges.

Ohje

1. Record defects and take clear photos as soon as you notice them.
2. Notify the landlord in writing and request an itemization of the deduction.
3. Keep all responses and receipts and observe deadlines for submitting a rebuttal.
4. Seek advice from authorities or advisory services before legal action if needed.
5. As a last resort, bring the case to court if mediation attempts fail.

Tärkeimmät opit

• Document all findings and keep receipts in an organized way.
• Always request a written itemization before accepting a deduction from the deposit.
• Seek assistance from authorities if you cannot reach agreement with the landlord.

Apua ja tuki / Resurssit

• Finlex: Laki asuinhuoneiston vuokrauksesta (481/1995)
• Oikeus.fi: Guidance and services
• Competition and Consumer Authority (KKV)

1. [1] Laki asuinhuoneiston vuokrauksesta — Finlex
2. [2] Oikeus.fi — Suomen tuomioistuin- ja oikeuspalvelut
3. [3] Kilpailu- ja kuluttajavirasto — KKV