Who can rent a Lumo apartment?

A Lumo apartment can be rented by an adult who has regular income and a clean credit history. When renting through the online store or submitting a contact request, we check that:

• You are at least 18 years old
• Your credit history does not contain serious entries
• You have no unpaid rent to Kojamo Plc

If you are renting the apartment with a spouse or a friend, we will check both of your details. A rental agreement can only be made if both of you meet the above criteria.

Identification in the Lumo online store is done using your personal online banking credentials. At the same time, we will also ask for:

• Your current address
• Your email address
• Your mobile phone number
• Your employment status
• Your income
• Your estimated duration of residence

If you have lived in Finland for less than 3 months, unfortunately you cannot rent an apartment directly through the online store. However, this does not prevent you from getting an apartment. In that case, please submit a contact request regarding the apartment.

Read more about the terms of use of the Lumo online store.

We ask our customers to authenticate themselves in the Lumo online store because we want to provide better customer service in a reliable and secure way. After authentication, we can better assist in finding a suitable apartment.

Renting an apartment through the Lumo online store and submitting a contact request both require authentication. We check the credit information of all adult applicants from the credit register of Suomen Asiakastieto Oy and the Digital and Population Data Services Agency, as well as your previous tenant history if you have lived with us before.

If your credit issues are serious or you have unpaid rent to us or other landlords, you cannot rent an apartment or submit a contact request through the online store. Any problems in your previous tenant history with us may also prevent renting. A binding agreement requires that the information provided is accurate and that you act in your own name. We reserve the right to reject a rental agreement if there is reason to suspect criminal activity.

Your personal data will be stored in our customer register. Read more about how we process personal data: Privacy policy.

At Lumo Homes, residents choose their own home! We do not use real estate agents, and we do not charge any brokerage fees or require a rental deposit. Find the most suitable available home for you in our online store, rent it, and in the best case, move in as early as tomorrow.