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.
Finnish listings usually show two price concepts: selling price (myyntihinta) and debt-free price (velaton hinta). Debt-free equals selling price plus your share of the housing company’s loan.
The company loan (yhtiölaina) was often taken for construction or major renovations. Your apartment’s share is attached to the shares you buy.
If you leave the loan in place, you typically pay a monthly finance charge (pääomavastike / rahoitusvastike) that services interest and amortisation of that share.
Many companies let you repay your loan share in a lump sum at or after purchase. Then the finance charge for that share stops — but you need the cash or a larger personal mortgage.
Banks care about both figures. Financing only the selling price while ignoring a large loan share can understate what you are really taking on.
When comparing apartments in Recompare, line up debt-free price and the fee split together. A lower selling price with a fat company loan is not automatically cheaper ownership.
Next, read the fee-split and financing guides so monthly cash flow and bank requirements match the price label you focus on.
What Real Estate Experts Say
“Most often it [the finance charge] means a major renovation has already been done and the building is being looked after in that respect. Remember that the condition of the building always affects the value of the apartment as well.”
Pasi Pitkänen, OP Koti Turun Seutu“When you buy your first home with a regular housing loan, you typically need savings of only 5% of the purchase price. When changing homes or buying with an ASP loan, the savings requirement is 10%.”
Danske Bank, Danske Bank