A practical playbook for landlords and property managers — how verified payment history changes who applies, who you pick, and how much you actually collect over a year.
Most landlords focus on the headline rent. But the difference between a great year and a painful one is rarely €30 a month — it's whether the tenant pays on time, stays for two years instead of six months, and leaves the apartment in good condition. One missed month plus a two-month vacancy can wipe out an entire year of "premium" pricing.
A €1,200/month apartment can easily lose €4,000–€7,000 from one bad placement. Screening is the single highest-ROI thing a landlord does.
A credit check (luottotietojen tarkistus through Suomen Asiakastieto or Bisnode) tells you whether someone defaulted in the past. It doesn't tell you whether they've paid rent on time for the last 12 or 24 months. Payslips show income but not behaviour. References can be friends. Self-reported "I always pay on time" means nothing.
Maja lets applicants share a PSD2-verified record of their actual rent payments, pulled read-only from their bank — OP, Nordea, S-Pankki, Danske Bank, Aktia, Säästöpankki, Handelsbanken and others. As a landlord you see:
You don't see their balance, their salary, or unrelated transactions — only the rent payments themselves.
Data comes from the tenant's bank, not from a form they filled in.
Open the link, see the months, decide. No back-and-forth.
Fewer missed months and shorter vacancies move the needle more than rent hikes.
A maksuhäiriömerkintä from 2021 tells you very little about how someone pays rent in 2026. By looking at verified payment behaviour instead of only the credit file, you access a pool of reliable renters your competitors won't even meet — often willing to pay a slightly higher rent or a larger vakuus for the chance.
The first 3 months of any tenant's verified history are free. You pay only when you choose to unlock 6, 12, or 24 months on a specific applicant.
No. You only see identified rent payments — never balance, salary, or unrelated transactions. This is also why renters are willing to share.
You can request it. Many serious applicants prefer it because it speeds the process up and proves their reliability without sending bank statements over email.
Yes. Property managers and agencies use Maja exactly the same way — one consistent profile format across every applicant, no Excel chasing.
Asking for a verified profile self-selects organised, reliable renters.
Fewer missed months and shorter vacancies beat any rent increase you can defend.
Create a free landlord account and review verified tenant profiles in 60 seconds.
Company: Maja App Oy, Business ID 3633958-3, Finland. Questions? Email hello@maja-app.com