Tenant Rights in Finland: Electricity, Water, Heat

Rent & increases (index, fair rent) 3 min read · published September 11, 2025

When electricity, water or heating is included in the rent, it is important for a tenant to understand what is covered, how billing and consumption are agreed, and what to do if costs or service quality raise concerns in Finland. This article helps tenants identify lease terms, collect documentation, calculate their share and advises how to proceed with negotiations or authorities if disputes arise. It includes clear action steps, an example calculation and links to official sources so tenants can act confidently and informed.[1]

What is usually included in the rent?

The lease specifies whether electricity, water and heating are included or billed separately. If the contract states "included", the landlord typically covers the basic charge, but exact division varies.

Check the written lease and ask for clarification if any clause is unclear.

How to interpret the lease and the law?

The Act on Residential Leases governs tenancy in Finland; contract interpretation considers the wording, parties' practice and fairness. If the contract is unclear, first discuss with the landlord and record any agreed changes for clarity.[1]

What to ask the landlord?

  • Which clause states that electricity/water/heating are included in the rent?
  • Is the rent a fixed sum or variable based on consumption?
  • How are consumption monitoring and billing handled in practice?
Written clarification prevents later disputes and helps when making claims.

How to document and calculate your share?

Keep monthly receipts and meter readings. If consumption is divided, request a clear calculation or a standard method that defines shares by apartment area or number of rooms.

  • Record electricity and water meter readings at the start and end of the month.
  • Request the landlordor a breakdown showing how your consumption was calculated.
  • Ask for receipts if a charge appears unusual.
Good documentation speeds up problem resolution and dispute handling.

What to do in a problem situation?

If service is deficient (for example heating not working) or billing seems incorrect, notify the landlord in writing and give a reasonable deadline for repairs. If issues are not fixed, seek help for negotiation or file a complaint with authorities.[2]

Written notification and deadlines are crucial for evidence.

When to escalate the matter?

If the landlord does not respond or repairs are insufficient, contact consumer advice or the Consumer Disputes Board, and if necessary seek legal help through the district court. Keep all messages and receipts and consider mediation before litigation.[2]

FAQ

Can a landlord suddenly start charging for electricity if the lease does not mention it?
No, not without amending the agreement; the landlord must agree the change in writing or otherwise show that both parties agreed differently.
How does lack of heating affect the rent amount?
If the apartment does not meet habitability standards, there may be a right to a rent reduction or a repair demand once the landlord has been given an opportunity to fix the problem.
Which authorities can be contacted in disputes?
Primarily consumer advice and the Consumer Disputes Board, and if necessary the district court or enforcement authorities.

How-To

  1. Read the lease thoroughly and note clauses mentioning electricity, water and heating.
  2. Collect meter readings and receipts for at least one month as evidence.
  3. Ask the landlord for a breakdown of charges and compare to your readings.
  4. If you cannot agree, contact consumer advice or the Consumer Disputes Board.

Key takeaways

  • Written documentation protects the tenant in disputes.
  • Clarify billing methods before withholding payments.

Help and Support


  1. [1] Finlex
  2. [2] KKV
  3. [3] Oikeus.fi
Bob Jones
Bob Jones

Editor & Researcher, Tenant Rights Finland

Bob writes and reviews tenant law content for various regions. They’re passionate about housing justice and simplifying legal protections for tenants everywhere.