Kodu ostmise juhendid

The plumbing renovation is a Finnish housing company's biggest repair. When it's due, what it costs per m², and what to check before buying.

Flats built before 1994 may contain asbestos, and bathroom waterproofing ages. How to assess the risks and costs before buying.

Rental yield shows whether a buy-to-let makes sense. How to calculate gross and net yield, and how the charge and transfer tax affect it.

A practical checklist for buying a home in Finland: which documents to request and what to ask the seller and building manager before an offer.

What a flat's monthly costs consist of in Finland: maintenance and financing charge, loan share, transfer tax and leased land explained.

Radon is an odourless indoor-air risk, highest on the lowest floors. How to spot the risk, measure it, and read STUK's limits.

A flood-hazard zone affects insurance, repairs and resale. How to read SYKE's flood maps before buying a home.

The energy class shows a flat's energy efficiency and affects heating costs and value. How to read the energy certificate as a buyer.

A condition inspection reveals a home's state before purchase. The difference between kuntotarkastus and kuntotutkimus, the cost, and when to order one.

A company loan lowers the sale price but raises the financing charge. How to assess the loan-share risk and compare the debt-free price before buying.

Moisture and mould damage is the most common hidden defect. Where it comes from, where it hides and how to verify the wet-room before buying an apartment.

First-home buyer checklist: total budget, ASP and the loan cap, monthly costs and transfer tax (the exemption ended in 2024). What to check before making an offer.

Debt-free price = sale price + share of the company loan. Why you must compare it, how the debt share works and why the tax is calculated on the debt-free price.

Differences between a new build and an old apartment: cost structure, renovation risk, the company loan and a leased plot. Which suits you — a comparison before buying.

The manager's certificate reveals the debt share, the charge, completed and upcoming renovations (PTS) and the housing company's finances. How to read it before an offer.

In Denmark you can buy a home outright — or buy a cooperative share instead. Here's how the three ownership forms differ in rights, financing, and price before you sign anything.

Without two reports and a genuine insurance offer, a Danish seller stays liable for hidden defects for 10 years. Offer them correctly, and that liability disappears — whether or not the buyer actually buys the policy. Here's the mechanism, the validity windows, and what's covered.

The BBR extract is a building's official record in Denmark. Mismatches between registered and actual floor area are a common closing-day surprise — here's how to read it and what to check.

An energy class isn't a formality — it drives heating costs and legal obligations at sale or rental. Here's the scale, validity period, and exemptions.

Since 2024 Denmark runs a new property valuation and tax system. Here are the rates, thresholds, and how 2026/2027 valuations were turned into final, price-indexed figures instead of provisional ones.

A Danish mortgage isn't a bank loan — it's a bond-funded loan built on a "mirror" principle that predates today's market structure. Here's the LTV caps, the bidragssats fee, the down-payment rule, and how early repayment actually works.

Denmark restricts property purchases by anyone who hasn't lived there — including returning Danes. Here's the rule, the EU/EEA exemption's actual mechanism, and what happens without approval.