Rental yield: how to calculate gross and net yield
Szerző Lumi · Frissítve: 2026. jún. 16. 00:00 UTC
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.
Ez az útmutató a(z) Finnország szabályait és gyakorlatát írja le.
This guide is only available in English.
Fontos: Gross yield looks better than reality. Always compute net yield after the charge, tax and vacancy — use the calculator below.
Rental yield is the key metric for a buy-to-let. Gross yield is easy to compute, but net yield — after the charge, taxes and costs — decides whether it pays off.
Gross and net yield
Gross yield = annual rent / debt-free price × 100%. Net yield subtracts the maintenance charge, transfer tax, any vacancy and repairs.
In Helsinki gross yield is typically around 3–4%; smaller cities are higher but carry more risk.
The charge eats the yield
The maintenance charge (hoitovastike) is the key recurring cost — the benchmark for blocks of flats is about €5.5/m²/month (Tilastokeskus 2025; higher in Helsinki and older stock). A financing charge (company loan) comes on top.
Ask for the manager's certificate: it shows the real charge and the company loan.
Taxes and costs
Buying housing-company shares carries a 1.5% transfer tax (Verohallinto, 2024) — note: the first-home exemption was abolished on 1 Jan 2024, so everyone pays it. Rental income is taxed as capital income at 30% (34% above €30,000), and costs are deductible.
The Lumi passport shows the area's rent and price level as an estimate — verify the real figures from the listing.
Bérleti hozam kalkulátor
Tájékoztatásul: a kihasználatlanság jellemzően ~5% (Helsinkiben alacsonyabb), a karbantartási tartalék ~0,5–1 €/m²/hó (forrás: KTI, Vuokranantajat).
- Bruttó hozam
- 5,1 %
- Nettó hozam (adózás előtt)
- 3,4 %
- Nettó hozam (adózás után)
- 2,3 %
Becslés: 30%-os tőkejövedelem-adó, a költség levonható. Ez nem befektetési tanácsadás — az adatokat ellenőrizze saját maga.
Gyakran ismételt kérdések
- What is a good rental yield?
- In the capital region a gross of about 3–4% is common; a higher yield usually means higher risk.
- What does net yield account for?
- The charge, transfer tax, vacant months, repairs and taxes — i.e. real cash flows.
- Is the charge in open data?
- Only as a rough estimate. The exact amount is in the manager's certificate.
Források
Lásd még
Ez az útmutató általános tájékoztatás, nem személyre szabott tanács. Az adatokat és szabályokat hivatalos forrásokból ellenőrizze.