In Finland, the rental market works so well that the low-interest rates caused a massive rental apartment construction boom, we've now got a huge oversupply of rental housing, rents are falling and investors are getting bankrupt and landlords are trying to panic-sell.

Vacant rental apartments in Helsinki for rent. Landlords are fighting for tenants, offering free months, gift cards etc. Rents have fallen every year since 2023. In Helsinki, every young person, student, unemployed etc. can afford their own apartment.