Single-family homes

Kela can pay housing allowance to households living in a single-family home. The home can be located on property owned or rented by the household.

Recognised as housing costs for a single-family home are

  • the maintenance costs
  • 73% of the interest payable on personal loans taken out to purchase or modernise the home.

Included under maintenance costs are water and heating charges and other expenses associated with a single-family home. The actual amount of water and heating charges and other property expenses, such as costs for upkeep, need not be reported to Kela in detail.

Household size
(persons)		 EUR per month The regions of Etelä-Savo, Pohjois-Savo and Pohjois-Karjala
EUR per month		 The regions of Pohjois-Pohjanmaa, Kainuu and Lapland
EUR per month
Amounts recognised as maintenance costs for a single-family home
1 97 101 105
2 116 121 125
3 147 153 159
4 173 180 187
+ each additional person 53 55 57

Seventy-three percent of the interest paid on personal loans taken out to finance the purchase of the home is recognised as housing costs.

Interest on housing loans is recognised only to the extent that it is paid by the household. In the case of interest-subsidised loans, for instance, Kela only recognises as housing costs the share of the interest paid by the household.

Interest payments on housing loans are recognised as housing costs only if the loan was granted by a credit institution which is under public supervision, such as

  • state government
  • municipality
  • parish
  • bank
  • insurance agency
  • credit institution Hypo
  • pension foundation
  • pension fund.

Not recognised as housing costs are loans provided by the builder or employer or the purchase price to the extent that it remains unpaid.

Not recognised as housing costs are, for example:

  • real estate tax
  • ground rent
  • credit insurance and other similar payments.