Talk of housing company bankruptcies has become more and more frequent. The media is full of stories about payment difficulties and bankruptcy threats. Many home buyers are asking: should I be worried? The situation has changed. According to the Association of Property Management Companies, last year more than a dozen housing companies were in a […]
The bankruptcy of a housing company: what should a buyer know? Read More »
Mortgages have traditionally been a safe choice for Finns. Now the wind is changing. According to a recent survey by S-Pankki, 44% of Finns consider a mortgage to be a financial risk. A year ago, the figure was 33%. Meanwhile, the government has already eased mortgage rules twice this year. In April, loan periods were
When buying a new home, you are often faced with a choice: do you pay off the housing company’s loan share in installments over the years, or get your own bank loan and pay off the company loan in one go? Both options have their advantages and disadvantages, and the decision depends largely on your
The Finnish housing market is facing a major transformation, which is hardly talked about openly enough. A recent study by OP Pohjola reveals that nearly 30% of all homes in Finland will be released onto the market over the next 20 years as elderly homeowners move into care homes or die. This “grey tsunami” could
If you’ve come across the term “PTS plan” in documents related to the housing transaction or heard about it from a broker, you’re not the only one wondering what it means. A long-term maintenance plan is a document that can significantly influence your decision to buy and your future housing costs. We explain why this
PTS plan in a housing company – what does a home buyer need to know? Read More »
Asuntoa ostaessa kohtaat väistämättä käsitteet yhtiölaina, rahoitusvastike ja velaton hinta. Taloyhtiöiden lainamäärät ovat kasvaneet merkittävästi viime vuosina – uudiskohteissa yhtiölainaa voi olla jopa 70 prosenttia asunnon myyntihinnasta. Mitä nämä termit tarkoittavat käytännössä ja miten ne vaikuttavat asuntokauppaasi? Ja kannattaako koko yhtiölainan maksaminen asuntokaupan yhteydessä? Mikä on yhtiölaina ja milloin sitä tarvitaan? Yhtiölaina on taloyhtiön nimiin
Paying off a housing loan when buying an apartment – is it worth it? Read More »
The first-home savings loan 2026 is a familiar concept to many first-time home buyers, but fewer know that there will be significant changes to the scheme in June 2026. At the same time, there are other first-time home buyer financing solutions on the market, each with their own advantages and limitations. Let’s go through the
New home or old home – which is better? A new property with glossy surfaces and modern solutions may seem attractive, but is it always the best choice? Buying a home is one of life’s biggest financial decisions, and the choice between a new home and an old one will affect both your wallet and
When spring arrives and the snow melts, the familiar question starts to be asked in housing companies: “When will we have a yard party?” Reactions range from excited voices to quiet mutterings. Some see the volunteer day as an opportunity to improve their living environment and meet their neighbours, while others wonder if they could,
Real estate agents are silent, buyers are frustrated and the public is talking about making it harder to get a loan. But what is the reality? And more importantly, what can home buyers do to improve their chances of getting approved for a loan? Banks have really tightened their grip Yes, access to credit has
