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
When you buy a home, you will inevitably encounter the concepts of a housing loan, a financing charge and a debt-free price. The amount of loans taken out by housing companies has increased significantly in recent years – in new builds, the amount of the company loan can be up to 70% of the selling
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
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
The Housing Information System promises to bring clarity to the housing market, but so far it has mainly been a headache. We find out what the system is all about and how the problems affect you as a home buyer.
The apartment information system is heavily congested Read More »
