Building act 2027

Estimate your Airbnb earning with Flatta's hybrid model

From 2027 short-term renting is capped at 90 days a year. Combine Airbnb's summer season with Flatta's furnished corporate and student lets — and calculate your own return.

Open the calculator Create a listing
Apartment
90 nights
short-term rental limit for investment apartments from 2027
>28 days
Rental period outside the short-term scope
3,4 %
Flatta service fee of the total contract value

Profit calculator

Enter your own figures or use the Helsinki growth-centre defaults. The calculator compares four scenarios in real time.

Apartment details & assumptions

Helsinki 1-room: typically €80–130 / night
Helsinki centre: typically 70–85%
Furnished 1-room Helsinki: typically €1,200–2,000 / mo
Corporate and student demand is steady year-round
Building act 2027 — check your municipality's situation

Annual return — 4 scenarios

Comparison of all scenarios

Gross Occupancy Net

Note: the figures above exclude the cost of exceeding the 90-day limit. From 2027, renting beyond the limit is use contrary to the zoning plan, for which building control may impose a conditional fine or a use ban — a risk that does not exist in the Flatta-only and hybrid models, where every lease runs at least 28 days.

Conditional fines for breaching short-term rental bans have reached up to €4,500 up front plus €2,000 for each month of continued non-compliance. Renting the furnished apartment out long term keeps you within the limits and avoids the fine entirely.

How does the hybrid model work?

Combine Airbnb's summer season with Flatta's corporate and student renting — and use your apartment nearly 365 days a year within the limits the law allows.

Example: hybrid model calendar year

Airbnb 90 d
Flatta medium-term rentals ~9 mo

Three summer months on Airbnb stay within the 90-day legal limit. The rest of the year produces steady monthly income from corporate and student tenants through Flatta — without constant guest rotation or fines.

1. List your apartment on Flatta

Registering and creating a listing is free. You pay the service fee only once an agreement is made.

2. Flatta handles the process

Manage contracts, signatures, deposits and tenant selection on the platform.

3. Combine the Airbnb season

Keep the apartment on Airbnb up to the legal 90 days in summer. From autumn to spring Flatta fills the vacancy.

Automatic calendar integrations

Booking.com Airbnb Hostaway Vrbo

Your Flatta listing calendar can be synced directly with the calendars of other platforms, so the same dates are never double-booked across channels.

And because every booking goes through Flatta, you can always review tenant profiles and get to know your tenants before signing.

Why choose Flatta?

Flatta is a Nordic platform for furnished rentals, specialised in 1–12 month leases. Through the platform, landlords reach corporate clients, international students and researchers with stable solvency and long tenancies. Unlike traditional long-term renting, the monthly rent of a furnished apartment is typically 20–40% higher — yet still well below hotel rates, which makes Flatta an attractive option for tenants. The service fee is 3.4% of the total contract value — no fixed monthly fees.

Balance the high season with long-term tenants

Corporate clients

Consultants, assignment workers and project staff need furnished apartments for 1–6 month periods. Stable solvency, tidy tenants.

International students and researchers

Exchange students and researchers look for furnished apartments for a semester. Steady seasonal demand, also in winter.

List your apartment on Flatta

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Frequently asked — the law change and the hybrid model

From 2027 short-term renting of an investment apartment on Airbnb or a similar platform is allowed for at most 90 days per calendar year. A municipality may raise the limit to 180 days by separate decision. Exceeding the limit is use contrary to the zoning plan, for which building control may impose a conditional fine or a use ban. The housing company's articles may also set stricter limits.

The law defines short-term renting as accommodation under 28 days. Flatta's minimum rental period is 28 days, so every agreement made through Flatta is an ordinary residential lease. They do not count toward the 90-day limit, even if the apartment is simultaneously listed on Airbnb for the summer season.

Registering, creating a listing and messaging with rental candidates are free. Flatta charges a 3.4% service fee on the total contract value only when a lease is signed. There are no fixed monthly fees.

We recommend listing your apartment on Flatta by autumn 2026 at the latest. An early listing builds your rental history and review profile before other Airbnb landlords move the same way as the law takes effect. Competition grows significantly from January 2027 onward.

Flatta's tenants are mainly corporate clients (consultants, assignment workers, project staff), international students and researchers, and a mobile workforce in growth centres. These groups need furnished apartments for 1–12 month periods year-round — including the winter season, when tourist demand is at its lowest.

There is no formula defined in law for the conditional fine. However, in Finland fines of up to €4,500 up front and €2,000 for each additional month of non-compliance have been imposed for breaching short-term rental bans. The best way to avoid a fine is to follow the limits and rent your furnished apartment out on a long-term basis.

Check out our furnised apartments across the Nordics

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