Tenant guide: water, electricity, heat in Finland

Many tenants in Finland are uncertain about who is responsible for water, electricity and heating costs. This article explains step by step how charges are divided, what meters mean and what to check in a written rental agreement. It also explains what to do if billing is unclear, how to request meter readings in writing and which official authorities can help in disputes. The instructions are meant for the tenant who wants to understand their rights and obligations and act systematically while living in Finland. It includes clear actions, template requests and guidance for dealing with authorities. I also cover special situations such as shared meters, subletting and responsibilities of the housing company. I advise how to collect evidence, keep receipts and prepare a clear written request to the landlord. If the problem is not resolved, I explain when to bring the matter to the KKV or to court and which attachments are needed.