Units in a housing cooperative

Kela can pay housing allowance to households living in a home which is part of a housing cooperative.

Recognised as housing costs for a cooperative housing unit are the costs of financing and maintenance, i.e.:

  • maintenance charge (also additional maintenance charge)
  • water and heating charges paid separately from the maintenance charge
  • 73% of monthly interest payments on personal loans taken out to purchase or modernise the home.

If water is not included in the rent but is paid separately, EUR 18 per resident is accepted as water charges.

Household size 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
For separately paid heating costs, the following amounts are recognised
one person 41 43 44
+ each additional person 14 15 15

Interest on home loans is recognised by Kela to the extent 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.