Rent and other payments
Payment information
You can pay your rent in MyHoas. See the instructions on how to make the payment. You’ll find your rent invoice and can check your own payment status as well in MyHoas.
Paying the rent
You can pay your rent in MyHoas or as a bank transfer to Hoas’ bank account. If you pay by bank transfer, please check that the account number and reference number are correct.
Payments in MyHoas
Payments can be made through Finnish online banking, Visa or Mastercard card payments, or MobilePay payment application.
Note! Don’t copy a payment made through MyHoas in your online bank. If you copy the payment, the reference number and other information will be wrong and the rent payment won’t go through to Hoas. Instead, use the “rent payment with bank transfer” information below to pay the rent in your online bank.
- Read more: Payments in MyHoas
Rent payment with bank transfer
You can pay rent with a bank transfer from you bank. Check that the payment information is correct, such as the recipient bank account number and reference number. The needed information for payment can be found in MyHoas. You can also make an e-invoicing agreement of the rent with your bank. Contact your bank directly to find information on how.
Reference number
- You can find the reference number on MyHoas.
- Reference number is same every month.
- Using the reference number speeds up the payment processing time and prevents mistakes.
- Payments made without reference number can’t be targeted to the right contract – as a result your payment might arrive late, and you may get fees from payment reminders.
- Using the correct reference number makes it possible to pay rent from multiple separate accounts.
Due date
- Rent is always due on the 6th of each month.
- If the 6th is weekend or bank holiday, the rent is due the next workday.
- Due date can’t be changed.
International bank transfer
Here are details needed for payments made outside SEPA/Europe:
Receiver name: HOAS (Helsingin seudun opiskelija-asuntosäätiö sr)
Receiver address: PL 799, 00101 Helsinki
Receiver account number: FI63 8000 1270 1634 14
Bank name: Danske Bank A/S, Suomen sivuliike
Banks address: Televisiokatu 1, Helsinki 00075 DANSKE BANK
Banks SWIFT/BIC-code: DABAFIHH
Reference number: Reference number targets your payment to the correct tenancy agreement. If your bank doesn’t have a field for reference number, put it to the message or information field.
International bank transfer fees
- Remember to add the charges for international transactions to the amount to be paid.
- If you don’t add them, the costs for the transfers will reduce the amount received by Hoas.
- It is your responsibility to take care of any charges for international transactions.
- For any questions regarding international transaction fees, contact your bank directly.
Paying several months’ rent at once
You can pay several months rent at one time if you want to. To do so, follow these steps:
- Use the correct bank account number and reference number.
- Check that the amount you pay is correct.
- Keep the payment receipts and/or bank statements as a proof of paid rent.
- Keep track of when you must pay the rent next time.
I accidentally paid too much
If you accidentally pay too much or for example the rent twice, you can choose what to do from these two options:
- Overpayment can be used to cover your next months’ rents.
- If you would like to get the overpaid amount returned, send an email to our payment services at payments[at]hoas.fi. Remember to add your account information to the message.
Late payments
- If your rent or other payment is not paid within a week of a due date, you’ll get an automatic text message reminder. These messages are always sent out on 14th of each month.
- If your rent is paid noticeably late, you will get a payment reminder (5 €).
- The payment reminder must be paid with the next rent payment.
- Reminder for overdue payments is sent once a month.
- If the payment remains unpaid, it will transfer to debt collection agency.
- Unpaid rents can lead to losing control of the apartment and ruining your credit rating.
Problems with personal finances? Contact Hoas Tenant Support.
Debt collection
If the payment is not received after a reminder has been sent, the collection of the debt will be transferred to our collection agency Svea perintä. The debts will accumulate interest and incur other expenses. Please note that the cost involved in debt collection can be considerable.
If your unpaid rents have been transferred to the collection agency and you would like to set up a repayment schedule or find out the total amount of your debt, please contact the collection agency directly.
Collection agency’s contact information:
Svea Perintä
hoas.tenants@svea.fi
tel. (03) 512 4484
Other payments
We invoice according to our official tenant charge sheet for example maintenance, unpaid door opening service and lost keys.
- You can see all your invoices on MyHoas.
- Pay all the invoices with the same payment information as rent.
Rent adjustments
- Rents are adjusted in the autumn in conjunction with budgeting.
- Any increases in rent will be enforced from the beginning of January.
- Tenants will be notified of the changes at least two months prior to the increase.
Joint tenancy agreement
In family apartments the tenants have joint responsibility for paying the rent.
- If rent is not paid, each tenant will be transferred to the collection agency and any costs of that will be shared between those responsible (Law concerning rental apartments 11 §).
- Joint responsibility will remain even if one tenant moves out without giving official note of termination. If you stay in the apartment alone, you will be responsible for the entire rent by yourself.
- See also: What to do when spouse moves out of the shared apartment?
Certificate of rent payment records
- If you need a certificate of payment records, email us at payments@hoas.fi.
- The official signed certificate costs 10 €.
Kela
- Information about financial aid for students and applying for them can be found on Kelas website.
- Hoas delivers to Kela monthly details of tenants and rents collected to verify the information of the tenants receiving student financial aid.
- You are responsible to let Kela know if your payment information changes. Your payment information might change if there are changes in your tenancy agreement, for example if you move from one Hoas apartment to another.
Deposit
Deposit is 0 € with few exceptions. Read more about the situations when deposit is required.
If you have paid the deposit, it will be returned to you within approx. one month after the tenancy has ended. Get to know our instructions for deposit return.