Your journey to home ownership starts with Kodit Pay
Rent your dream home for a year while we help you save for a down payment. With Kodit Pay, you can become a home owner without years of saving.
Move in now, pay later
Buy a home without using all of your savings. Move in and make yourself at home.
Save while you live there
Pay a monthly fee, that covers the rent and contributes to your down payment.
Yours truly
After 12 months, or earlier, you’ll complete the purchase and make the home yours, truly.
An example of a Kodit Pay home
Kuntokuja 3, Vantaa
2 rooms · 58 m²
Sales price as of right now
155 000 €
Recommended rent on the market
Approx. 890 €/month
Build your savings for the required down payment
The monthly payment includes two parts: an affordable rent and a built-in down payment, which you accumulate little by little during the following 12 months.
Initial down payment
2 000 €
Monthly payment
974 €/month
Rent part
478 €/month
Down payment part
495 €/month
Purchase the home for the predetermined sales price
Once you’ve built up your savings for the down payment, the amount will be compensated from the sales price and you’ll get a mortgage for your home.
Sales price*
158 860 €
Down payment savings
- 7 943 €
Required mortgage
150 917 €
*In the Helsinki Metropolitan Area, house prices rose by 4,7% in 2020. With Kodit Pay, you are fixing the price with a fixed annual increase of approx. 2,49 % even if the increase in the value of the house is significantly higher.
Single units
New development
Didn’t find your dream home yet?
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