{"id":1875,"date":"2026-05-20T12:36:33","date_gmt":"2026-05-20T09:36:33","guid":{"rendered":"https:\/\/oun.fi\/?p=1875"},"modified":"2026-05-20T12:37:00","modified_gmt":"2026-05-20T09:37:00","slug":"pts-plan-in-a-housing-company-what-does-a-home-buyer-need-to-know","status":"publish","type":"post","link":"https:\/\/oun.fi\/en\/pts-plan-in-a-housing-company-what-does-a-home-buyer-need-to-know\/","title":{"rendered":"PTS plan in a housing company &#8211; what does a home buyer need to know?"},"content":{"rendered":"<p>If you&#8217;ve come across the term &#8220;PTS plan&#8221; in documents related to the housing transaction or heard about it from a broker, you&#8217;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 plan is so important from a homebuyer&#8217;s perspective.  <\/p>\n<h2>What does a PTS plan mean in practice?<\/h2>\n<p>A long-term maintenance plan is a document that sets out estimates of the future renovation needs of a housing company&#8217;s building and their costs. The plan is usually drawn up for a 10-year period and is based on the findings of a condition assessment or survey. <\/p>\n<p>According to the Housing Companies Act, the board of directors of a housing company must present an annual report to the shareholders&#8217; meeting on the essential maintenance needs for the next five years. The PTS fulfils this legal obligation and has become established practice in many housing companies. <\/p>\n<p>A good PTS includes a clear list of future repairs, with an estimated timeframe and cost. The plan will discuss, among other things: <\/p>\n<ul>\n<li>Facades, roof and plinth<\/li>\n<li>Heating, water and ventilation systems<\/li>\n<li>Windows and doors<\/li>\n<li>Wet rooms and interior surfaces<\/li>\n<li>Courtyard areas<\/li>\n<\/ul>\n<h2>The PTS plan is a legal obligation<\/h2>\n<p>Yes, PTS is practically compulsory. According to the Housing Companies Act, a written statement by the board of directors must be presented at the annual general meeting on the need for maintenance of the company&#8217;s buildings and real estate during the five years following the annual general meeting that materially affects the use of the condominium, the company&#8217;s contribution or other costs arising from the use of the condominium. <\/p>\n<p>It doesn&#8217;t matter whether the government calls its report a repair programme, a long-term maintenance plan \/ PTS, a maintenance plan or something else &#8211; what matters is that the plan exists and is kept up to date.<\/p>\n<h2>How to read a PTS plan from a buyer&#8217;s perspective<\/h2>\n<p>When you look at the PTS plan, pay particular attention to the following points:<\/p>\n<p><strong>Big renovations in the coming years: what<\/strong> are the major renovations coming in the next 3-5 years? In particular, plumbing renovations, fa\u00e7ade renovations and roof renovations can significantly increase the value of the property. <\/p>\n<p><strong>Cost estimates: how much<\/strong> will the repairs cost in total and how will the costs be spread over the years? This will help to estimate the size of future repayments. <\/p>\n<p><strong>Urgency ratings: which<\/strong> repairs are marked as urgent? These may be completed ahead of schedule. <\/p>\n<p><strong>Financing plans: how<\/strong> will the renovations be financed &#8211; with a company loan or by increasing the consideration? Is the mortgage to be paid by a mortgage company? <\/p>\n<h2>PTS and the increase in the premium &#8211; link to the repair debt<\/h2>\n<p>The PTS plan will give you an idea of how much the housing company has in so-called repair debt &#8211; that is, how much money will be needed for future essential repairs. This repair debt will inevitably be reflected in higher rent in the years to come. <\/p>\n<p>If the PTS has significant revisions for the coming years, you can expect that:<\/p>\n<ul>\n<li>Monthly fee increases<\/li>\n<li>Possible extra charges for repairs<\/li>\n<li><a href=\"https:\/\/oun.fi\/en\/paying-off-a-housing-loan-when-buying-an-apartment-is-it-worth-it\/\">Company loans may<\/a> be taken out to finance larger projects<\/li>\n<\/ul>\n<h2>What if the housing company does not have a PTS?<\/h2>\n<p>If a housing company does not have a PTS plan, this is a worrying sign. This could mean that: <\/p>\n<ul>\n<li>The housing company does not comply with the requirements of the Housing Companies Act<\/li>\n<li>No systematic mapping of repair needs<\/li>\n<li>Future repairs may come as a surprise and cause sudden costs<\/li>\n<\/ul>\n<p>A missing PTS is a sign of poor management of the housing company and significantly increases the risk of buying. <a href=\"https:\/\/oun.fi\/en\/housing-company-documents-what-they-say-and-what-they-hide\/\">The documentation of the housing company says<\/a> a lot about the quality of the management of the company.<\/p>\n<h2>Let an expert assess the PTS to support your purchasing decision<\/h2>\n<p>Reading a PTS plan requires expertise. Mere euro figures do not tell the whole story &#8211; it is important to understand the urgency, feasibility and impact on your housing costs. <\/p>\n<p>OUN will review the PTS plan as part of <a href=\"https:\/\/oun.fi\/en\/housing-company-documents-what-they-say-and-what-they-hide\/\">a thorough analysis of the building.<\/a> We analyse the repair debt, estimate the upward pressure on the consideration and tell you clearly what PTS means in practice in your particular situation. This way, you make a purchase decision based on the right information &#8211; not on guesswork.  <\/p>\n\n<div class=\"wp-block-group has-ast-global-color-5-color has-text-color has-background has-link-color wp-elements-e435b5c3c3e038d34627de9e6fd2b326 is-layout-constrained wp-block-group-is-layout-constrained\" style=\"border-width:8px;background-color:#0f172a;margin-top:40px;margin-bottom:40px;padding-top:60px;padding-bottom:60px\">\n<h2 class=\"wp-block-heading has-text-align-center has-ast-global-color-5-color has-text-color has-link-color wp-elements-25b3432cc1d5ceb836ec0aa94288469a\">buying a home?<\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">The PTS plan is one of the most important documents in the housing transaction &#8211; but reading it requires experience. Before making a decision to buy, it&#8217;s worth knowing what the figures really mean. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">OUN\u00ae analyses the documents of your housing company for you and delivers a plain-language report within 24 hours. We are 100% on your side &#8211; we won&#8217;t sell your property to anyone. <\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/order.oun.fi\/en\" style=\"border-width:8px;background-color:#21b4a6\" target=\"_blank\" rel=\"noreferrer noopener\">Order an OUN\u00ae analysis<\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you&#8217;ve come across the term &#8220;PTS plan&#8221; in documents related to the housing transaction or heard about it from a broker, you&#8217;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 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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&hellip;","_links":{"self":[{"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/posts\/1875","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/comments?post=1875"}],"version-history":[{"count":2,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/posts\/1875\/revisions"}],"predecessor-version":[{"id":1878,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/posts\/1875\/revisions\/1878"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/media\/1874"}],"wp:attachment":[{"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/media?parent=1875"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/categories?post=1875"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/oun.fi\/en\/wp-json\/wp\/v2\/tags?post=1875"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}