How do I apply for a home?

There are several steps in applying for a right-of-occupancy home, whether you are applying for a right-of-occupancy home for the first time or moving from one VASO home to another. Getting a right-of-occupancy number and filling out an application are crucial. The application works as your home finder. The steps you need to take to apply are itemized on this page.

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  • 1. Get a right-of-occupancy number.


    To apply for a right-of-occupancy home, you need a right-of-occupancy number, even if you already are a VASO resident and wish to move to another VASO home. The number is specific to each municipality, and therefore if you have multiple alternatives concerning the municipality you wish to live in, you will need a number for each one. Get a right-of-occupancy number here.

    The number is valid until you have concluded a right-of-occupancy contract using the number in question. This means you can get a number before applying for a home. Read more about the right-of-occupancy number.

  • 2. Fill out an application – the home finder.


    Once you have viewed the available homes and requested a right-of-occupancy number, fill out an application and send it to us. You can send us your application even if you have not received your number yet. The application functions as your home finder – it’s where you tell us what you are looking for and in what area. Sending an application does not commit you to anything. It is merely a way to show you what we have based on your criteria. Fill out an application here.

    After you have sent the application, you will receive an identification code by email. You can use this code to edit or supplement your application later. If you fill out a completely new application, your previous application will become invalid. Applications are valid for 12 months.

  • 3. Register as an applicant for a home.


    When you receive notification from VASO about an available home of your interest, register as an applicant for that home within the set time period. We offer the same home to all of the applicants who have the same criteria.

    You can register for as many homes as you like. You will receive instructions for registration in the messages we send you about homes that meet your criteria.

  • 4. Explore the home offers and find one that suits you best.


    After the deadline for applications, we offer the home in question to the applicant with the smallest right-of-occupancy number. If you have the smallest number, you are the first to decide whether or not you want to take the home. Of course, you can view the home before making any decisions.

    You are not obligated to take the home and, therefore, you may turn down the offer if it does not seem suitable for you. Turning down an offer does not affect your application process or opportunity to get a home in any way.

  • 5. Ensure funding.


    Before you accept a right-of-occupancy home, contact your bank and make sure you will be granted a mortgage if you need one. You can use your right-of-occupancy contract as collateral. If needed, we will put you in contact with our partner bank to discuss matters concerning a mortgage. 

    If you are moving from one VASO home to another, you can transfer your current right-of-occupancy fee to the new home. The deposit fee is specific to each home, therefore, the deposit for the new home must be paid before moving into it. We will help you plan the details of changing homes.

  • 6. Send an asset statement to VASO.


    If you accept the offered home, we first make sure you are eligible for a right-of-occupancy home before signing the right-of-occupancy contract. For this purpose, we will need an asset statement and a copy of your most recent tax return.  The asset limitations do not apply to you if you are over 55 or if you are moving from one VASO home to another.

    If you are under 55, we will need the following statements:

    • A copy of your most recent tax return. See example image below.
    • If you own a home, we will need a document, such as the deed, proving it has been sold or that it is under commission to be sold.
    • A statement of other possible assets, for example a screenshot of your online bank account that shows the current value of possible stocks and trust funds.
    • Be aware that loans reduce the value of your assets. Therefore, you should notify us of the amount of your loans, for example by taking a screenshot of your online bank account showing your loans.

    You can send your statements by email to vaso@vaso.fi or bring them to our office. If the value of your assets exceeds the limitations set forth in the Right-of-occupancy Housing Act, we will have to offer the home to the next applicant. If there are no other applicants in line for the home in question, you may still be able to get it even though the value of your assets exceeds the limitation. For more information, see asset statement  and tax returns.

  • 7. Agree on the date to move.


    Together with you, we will agree on a date to sign the contract and move into the home. The necessary asset statements (see section 6) must be sent to us before signing the contract.

  • 8. Sign the right-of-occupancy contract.


    The right-of-occupancy contract is always signed at the VASO office. The type of home, the amount of the right-of-occupancy fee, maintenance fee and other terms are defined in the right-of-occupancy contract.

    The content of the right-of-occupancy contract is based on that which is set forth in the Right-of-occupancy Housing Act. Before signing the contract, notify us if you will be using it as collateral for a mortgage.

  • 9. Pay the right-of-occupancy fee and security deposit.


    Upon the signing of the right-of-occupancy contract, you will receive instructions for paying the right-of-occupancy fee and security deposit. The deposit is equal to two-months’ maintenance fee. The deadline for the payment is two weeks before the scheduled move into the home. 

  • 10. Move into our new home.


    You can pick up the keys to your new home at our office on the moving day. Make sure you pay the right-of-occupancy fee and deposit in good time before the moving day. When you pick up your keys, you will also receive the right-of-occupancy contract, unless it is at the bank as collateral, and instructions concerning payment of the maintenance fee. Unfortunately, we cannot give you the keys until we have received the right-of-occupancy fee and deposit.

    Now you are ready to move into your new home! If you wish, you can give your home a light remodelling to suit your taste. It you wish to discuss changes to be made before moving into the home, contact your superintendent.