Interest invoices
Jos et maksa vuokraa, käyttökorvausta tai laskua eräpäivään mennessä, kertyy maksettavaksi viivästyskorkoa heti eräpäivästä alkaen. Tältä sivulta saat tietoa korkolaskuista ja viivästyskorosta.
If you do not pay your rent, a utility charge or an invoice by the due date, you will be charged interest on the late payment, accrued from the due date. On this page, you will find information on interest invoices and interest on late payments.
If the due date falls on a weekday public holiday or a weekend, payment is not due until the next weekday. You will be charged interest on the late payment until the payment has been made. This practice is based on the Interest Act.
We invoice for interest on late payments four times a year. The minimum amount of a late payment interest invoice is EUR 5. If the amount of interest on late payments is less than EUR 5, we will wait until the amount exceeds EUR 5.
We also charge interest on late payments if you have concluded a payment agreement on the unpaid sum. The invoicing of interest is specified in the terms of the payment agreement.
Interest on late payments will also accrue even if you have notified Heka that you will be paying your rent, another charge or an invoice late. The notification does not change the original due date on the rent, charge or invoice.
The amount of interest on late payments is affected by the interest rate applied, the unpaid sum, and the number of days by which the payment is overdue. You can get an idea of the amount of accrued interest by using the late payment interest calculators that are available online. Interest accrues on overdue rent and invoices up to and including the date of payment.
Please always check the interest invoice carefully. If you notice an error in the interest invoice, please primarily contact our rent payment advice service via the OmaHeka Resident Portal. We will look into any errors and correct them.
Frequently asked questions about interest invoices
Interest on late payments is the additional interest that the debtor must pay if they pay an invoice or debt late.
Interest accrues on overdue rent and invoices from the due date up to and including the date of payment.
We invoice for interest on late payments four times a year.
The minimum amount of a late payment interest invoice is EUR 5. If the amount of interest on late payments is less than EUR 5, we will wait until the amount exceeds EUR 5.
The amount of interest on late payments is affected by the interest rate applied, the unpaid sum, and the number of days by which the payment is overdue. You can get an idea of the amount of accrued interest by using the late payment interest calculators that are available online. Interest accrues on overdue rent and invoices up to and including the date of payment.
Interest on late payments is a percentage surcharge for the late payment, whereas a collection fee is a fixed charge for the late payment.
If you pay your rent, a utility charge or an invoice late, meaning after the due date, Heka may charge you for interest on the overdue payment according to the Interest Act.
Yes, the overdue payment will accrue interest despite your notification, as the notification does not change the original due date on the rent, charge or invoice.
With a payment agreement, you pay off your debt as agreed on, and these payments are late. The invoicing of interest on late payments is specified in the terms of the payment agreement. Under the terms of the valid payment agreement, you are also obliged to pay interest on late payments for the entire duration of the payment agreement.
Example: A tenant pays their rent, EUR 750, on the 15th. The rent is then 11 days late. The interest rate is 10.5%. The interest on overdue payment amounts to EUR 2.37.
The table shows how to read the rows on your interest invoice:
| 1. Start date | 2. End date | 3. Days | 4. Net | 5. Interest in % | 6. Interest in EUR |
| 2 November 2024 | 4 November 2024 | 3 | 278.84 | 11.50 | 0.26 |
| 5 November 2024 | 14 November 2024 | 10 | 1,394.14 | 11.50 | 4.39 |
| 1 January 2025 | 7 January 2025 | 7 | 905.60 | 10.50 | 1.82 |
| 8 January 2025 | 14 January 2025 | 6 | 1,851.40 | 10.50 | 3.20 |
The accumulation of the interest shown in the interest invoice always ends when the overdue rent or other fee is paid or when the next rent or fee becomes due.
- The start date is when the interest started accumulating.
- The end date is when the interest accumulation stopped.
- The ‘Days’ column shows by how many days the payment was late, and for how many days interest has accumulated.
- The ‘Net’ column shows the unpaid sum at the time.
- The ‘Interest in %’ column shows the interest rate. The valid interest rate is confirmed by the Bank of Finland. The rate varies over time.
- The ‘Interest in EUR’ column shows how much interest has accumulated.
The amount of interest on an overdue payment is influenced by the interest rate applied, the unpaid sum, and the number of days the payment was overdue. You can get an idea of the interest by using overdue interest calculators that are available online.
Example: A tenant pays their rent, EUR 750, on the 15th. The rent is then 11 days late. The interest rate is 10.5%. The interest on overdue payment amounts to EUR 2.37.
The table shows how to read the rows on your interest invoice:
1. Start date | 2. End date | 3. Days | 4. Net | 5. Interest in % | 6. Interest in EUR |
| 2 November 2024 | 4 November 2024 | 3 | 278.84 | 11.50 | 0.26 |
| 5 November 2024 | 14 November 2024 | 10 | 1,394.14 | 11.50 | 4.39 |
The accumulation of the interest shown in the interest invoice always ends when the overdue rent or other fee is paid or when the next rent or fee becomes due.
- The start date is when the interest started accumulating.
- The end date is when the interest accumulation stopped.
- The ‘Days’ column shows by how many days the payment was late, and for how many days interest has accumulated.
- The ‘Net’ column shows the unpaid sum at the time.
- The ‘Interest in %’ column shows the interest rate. The valid interest rate is confirmed by the Bank of Finland. The rate varies over time.
- The ‘Interest in EUR’ column shows how much interest has accumulated.
If you suspect an error in your interest invoice
Please check the invoice carefully. If you suspect an error in the interest invoice, please contact our rent payment advice service via the OmaHeka Resident Portal. We will look into any errors and correct them.
Please contact us primarily via the OmaHeka Resident Portal’s Messages function, as our telephone service may sometimes be busy. In OmaHeka, you can take care of this matter at a time that suits you.