Compare apartment listings
Paste 1–3 listing URLs from supported portals (Oikotie, Etuovi, Habita, Bo, and more) to get side-by-side metrics and an AI-generated review.
Guides
Buying
Buying an apartment in Finland
What you actually buy, which documents matter, and how fees, plot, and renovations shape the real cost of ownership.
Asumisoikeus (right-of-occupancy) vs ownership
How Finnish right-of-occupancy (ASO) differs from buying housing company shares — deposit, monthly charge, and exit.
Buy-to-let in Finland (sijoitusasunto)
How to stress-test rental yield against fees, company loans, renovations, and vacancy — before you buy an investment apartment.
Documents to request before an offer
Isännöitsijäntodistus, tilinpäätös, PTS, yhtiöjärjestys, and minutes — what each paper tells you before you bid.
Housing company shares: what you buy
In Finland you buy shares that grant the right to a specific apartment — not the brick walls themselves.
How to compare Oikotie and Etuovi listings
A practical checklist for side-by-side comparison: price, fees, renovations, plot, and energy — across Finland’s main portals.
How to read an energy certificate
What C2018 and similar labels mean on Finnish listings — and why the full certificate text matters more than a yes/no flag.
Owned plot vs rented plot
How vuokratontti and plot redemption affect price, monthly costs, and long-term risk when buying an apartment share.
Upcoming renovations and the PTS
How to read the long-term maintenance plan, estimate pipe renovation cost per apartment, and spot fee spikes vs new company loans.
Costs
True monthly cost of ownership
How to add maintenance fees, finance charges, water, plot rent, and upcoming renovations into one realistic monthly figure.
Hoitovastike vs pääomavastike
Why Finnish listings split the housing company charge into maintenance and finance fees — and what that means for your monthly budget.
Is a low vastike a red flag?
When cheap monthly fees signal good management — and when they hide thin reserves or a coming renovation bill.
Velaton hinta vs myyntihinta and yhtiölaina
Why debt-free price includes your share of the company loan — and how that shows up as pääomavastike or a lump-sum repayment.
Financing
Financing your first home in Finland
Down payment rules, ASP vs regular mortgage, company loan share, and how fees shape what you can really afford.
How much money do you need to buy?
First-home down payments (~5% regular loan, ~10% ASP), plus taxes, fees, and a buffer for true monthly costs.
How to get an ASP loan
ASP loan conditions, amount ceilings, interest subsidy, extra loan, and renting rules — check current terms with your bank.
How to open an ASP account
Eligibility, ASP agreement, deposit rules, interest, and the path from ASP-tili to loan readiness.
What is ASP in Finland?
First-home ASP saving and loan scheme — account, benefits, and who it is for.