Rental yield: how to calculate gross and net yield
De Lumi · Actualizat: 16 iun. 2026, 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.
Acest ghid descrie regulile și practicile din Finlanda.
This guide is only available in English.
Important: 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.
Calculator randament locativ
Ca referință: neocuparea este de obicei ~5% (mai mică în Helsinki), rezerva de întreținere ~0,5–1 €/m²/lună (sursă: KTI, Vuokranantajat).
- Randament brut
- 5,1 %
- Randament net (înainte de impozit)
- 3,4 %
- Randament net (după impozit)
- 2,3 %
Estimare: impozit pe venitul din capital de 30%, cuantumul este deductibil. Nu este consiliere de investiții — verificați cifrele dvs. înșivă.
Întrebări frecvente
- 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.
Surse
Vezi și
Acest ghid oferă informații generale, nu consiliere personalizată. Verificați cifrele și regulile din surse oficiale.