Want to Buy a Home in Finland? Do This.

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Today I will share 10 steps on how to buy a home in Finland. In my opinion, buying a home in Finland is a good choice if you plan to live here long-term.
Each of these steps would require a video of its own in order to cover all the details. Don't hesitate to leave a comment if you have questions!
It's good to note that things are a bit different if you buy a house (real estate) a block of flats or a terraced house (housing shares).
Please note that this is not financial advice. This is just for education purposes only. Make sure to do your own research before making decisions.
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26 июн 2024

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Комментарии : 157

@AleksiHimself 2 года назад

✅ Get My Free Guide to Buying a Home in Finland in 10 Steps: aleksihimself.com/homeguide

@nyckathenomad 2 года назад

Although I’ve been observing the market for a while (one year and a half!) this video has some valuable information I didn’t know yet. Very good! Thank you, Alexi!

@AleksiHimself 2 года назад

Glad it was helpful!

@kvm7095 2 года назад

Thankyou so much for this very valuable information. Also translating the key words in english helps alot. You're doing a great job of educating potential investors who live in Finland. Good job! I had to subscribe.

@AleksiHimself 2 года назад

Good stuff! 😃🙌

@conniec6543 2 года назад

Hi Aleksi...quite informative as always...I appreciate your work.

@AleksiHimself 2 года назад

I appreciate that!

@shiraarieli3731 2 года назад

Great video! My husband and I opened an ASP account due to your videos so all these house-buying videos are right on time for us! Thanks!

@AleksiHimself 2 года назад

Great job! ASP account is a good choice to save money for the first apartment.

@Astro2701 2 года назад

Thank you 🙏🏼 so much Aleksi for all that precious information 👍🏻

@AleksiHimself 2 года назад

Glad it was helpful!

@stevemaherart 8 месяцев назад

Dude, you just made this so much more relatable

@theshowber Год назад

It's funny that I'm Finnish and I'm learning better about how Finland functions through Aleksis videos instead of looking for answers somewhere else :D

@yanihalohalovlogs 2 года назад

Hello thank you for this big help, I already apply year 2020 the ASP thing so this year gonna be 2 years of my saving. And now watching and searching about buying and loaning the house and your video hit me so much. Thanks.

@AleksiHimself 2 года назад

I'm glad to hear that!

@milanrajbhandarii 2 года назад

Thank you. Specific and clear video.

@AleksiHimself 2 года назад

Glad it was helpful!

@aderibigbeabiola4167 2 года назад

Great piece!

@AleksiHimself 2 года назад

Thank you! Cheers!

@AJBonnema 2 года назад

Impressive video! It really helps me getting started to look for a house and know even in principle what is coming. Of course the devil is always in the details and reality has a lot of it. Still, using your information I can visualize the process which is very valuable. For example, in my country, I can only apply for a loan for a specific house or apartment. In Finland this actually way easier because I know beforehand how much I can spend. Apart from that walking us through the whole process and showing all the Finnish terms is *really* helpful. Thank you very much!!!

@AleksiHimself 2 года назад

Thanks a lot and good luck!

@bugeyemonster 2 года назад

thank you for this video very useful

@AleksiHimself 2 года назад

Glad it was helpful!

@myfinlandstory Год назад

Good video! Thank you for sharing! :)

@AleksiHimself Год назад

Thanks a lot Olivia!

@ButterFly-zh8ho 2 года назад

There is one thing that I love about finnish real estate ads: the precise address of the property being sold. In France real estate advertisements do not give the address of the property sold, they sometimes indicate the city or the district but these indications are often false, in France it is not at all reliable and it wastes time, like a villa advertised by the sea, 50km from the sea.

@AleksiHimself 2 года назад

That's interesting! I wonder why is that.

@ButterFly-zh8ho 2 года назад

@@AleksiHimself In France, the real estate advertisements of professionals are incomplete for fear of losing exclusivity, by a competitor for this sale or that the buyer will go directly to the seller. In France, real estate advertisements are also false to attract customers, they hope that once the customer is in contact, they will be able to sell him something else.

@laraking804 Год назад

Laughing in Irish. Can't buy a broom closet for less than 700K in Dublin...if you're lucky. You need an average of 140K salary to qualify for a mortgage. The average salary here is 40K. Meanwhile you can rent the moldy broom closet for €2000/m this might include a flat mate though.

@hiss9989 Год назад

I moved to Ireland last year. Was legit about to be homeless because I could not for the life of me find a fucking room to rent. Sent over 700 emails... What a shit show that was.

@MsAnkitapandey 2 года назад

Very well explained

@AleksiHimself 2 года назад

Glad it was helpful!

@SemKidaneg 2 года назад

Thanks Alexi

@AleksiHimself 2 года назад

Thank you for watching!

@emmanuelcordoba1502 2 года назад

Awesome video!

@AleksiHimself 2 года назад

Thanks!

@TheShadySorcerer Год назад

Great video!

@AleksiHimself Год назад

Glad you enjoyed it!

@AleksiHimself 2 года назад

How does the Finnish apartment ownership system work? ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-CYp04b-wSCo.html

@jessicasecretlibrary 2 года назад

Hi Aleksi! Can you do a video specifically about buying a house(suburb houses, cottages, farmhouses, etc.) in Finland? I want to move to Finland in the future but I actually want to live in a house, and you said that there are differences between buying a house and buying an apartment. Anyway thank you so much for your video it’s so informative and extremely helpful for us young people who want to plan their future ahead!😉💙

@dwainclooney5760 Год назад

Finland is a lovely place. I solemnly I will like investing into real estate in Finland. But I am thinking of continue with my crypto currency investment

@BlessedToyin 2 года назад

Wow...this is the video I have been looking for. You deserve a million subscribers. I would like to ask if you have any video talking specifically on the type of houses in Finland and the advantages/disadvantages of buying them. That way, we could make an informed decision based on our preferences. For example, you mentioned that buyers are responsible for all the repairs in a detached house. Thanks and keep up the good work.

@AleksiHimself 2 года назад

If you buy a detached-house (omakotitalo), you buy the entire house and the land, and as the owner, you can do whatever you want with it. If you want to make repairs, you need to organize & pay them yourself. With detached-houses, it's common to do a "kuntotarkastus" inspection where someone will audit the condition. The costs are usually split between they buyer and seller. That's all I know about this.

@BlessedToyin 2 года назад

@@AleksiHimself Thank you...that was helpful!

@geoptus 2 года назад

Hey Aleksi, thanks for another great and informative video. I noted that there was no mention of solicitors...are these property ownership transfers completed without the need for solicitors? Thanks 👍

@AleksiHimself 2 года назад

Hi George. If you buy a detached house, then a solicitor is needed but if you buy a block of flats or terraced house, it's not need because you're buying shares, not real estate.

@magdapisarek8720 2 года назад

Hi Aleksi, can you make a video about "asumisoikeusasunto" ? You briefly mentioned in this video about other ownerships, it can be also interesting to learn more about ☺️

@aderibigbeabiola4167 2 года назад

Yes,that will a great video if Aleksi could do a video about that too. He does a great job shooting his videos...

@AleksiHimself Год назад

I have this topic on my video list!

@AleksiHimself Год назад

Here is the video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-a2gv2qdkd14.html

@nabeel298 2 года назад

Hi Alexi,Could you give a guide next on how to choose electricity company and what should be considered? Thanks!

@AleksiHimself 2 года назад

Great suggestion!

@laluna2264 2 года назад

Definitely need THIS ONE!!!!!

@rackin9594 2 года назад

Aleksi I see you cleaned up well. Good stuff lol on a serious note I think I may purchase property in Estonia. Finland is slightly too expensive for now. but great video nonetheless.

@AleksiHimself 2 года назад

Thanks Rac!

@rackin9594 2 года назад

@@AleksiHimself Ok I changed my mind. I saw some cheap property in Finland.

@swarupdas8043 Год назад

You cannot find more detailed video than this. Trust me

@AleksiHimself Год назад

Thanks!

@manojpathak1445 2 года назад

Thanks a lot for fine video. I have been looking for such informative video for long time. I have a query though about the age of the kerrostalo/rivitalo, we are bit worried if we should by the one which is built in 1970s or 80s. How old home should we consider to buy because we feel home might need more maintenance if it’s too old? Please suggest

@AleksiHimself 2 года назад

It depends entirely on the renovation history & the upcoming renovations. If major renovations are done already, then most likely no big fixes will happen in the near future. An old building can be nearly brand new thanks to the renovations. The buildings built in the 70s are currently facing a pipe renovation which is the most expensive renovation.

@manojpathak1445 2 года назад

@@AleksiHimself Thanks a lot for heads up

@-whackd 2 года назад

I will just set up a tent in the forest and live by Everyman's rights

@AleksiHimself 2 года назад

That's one way to do it. 😂🙌

@holoholopainen1627 2 года назад

There Are Other People too !

@asal2232 Год назад

Your channel is just amazing! Aleksi, I wanted to ask about something you mentioned in one of your videos. You said that when you buy a flat apartment in Finland, you're not actually the owner of the flat. This has left me with a few questions, such as whether I can buy a flat apartment and rent it out, and what happens to the apartment if the owner passes away. Could you please provide more information on this topic? Thank you.

@AleksiHimself Год назад

When you buy a flat, you buy shares of the housing company and the shares give you the right to control the apartment and can decide what to do with it (with some limitations). Practically speaking you "own" the place but technically not. The housing company owns the apartment and you own shares of the company. You can rent out the apartment and many do that. If the owner passes away, the shares belong to the death estate (kuolinpesä) and is treated as any other asset.

@asal2232 Год назад

@@AleksiHimself Thank you very much! 😊

@carraracom 2 года назад

I am enjoying a lot this new phase of your vídeos Aleksi. Just one additional information: the discount for 1st buyers applies until the day before you are 40 years old I will post them of the Brazilians and Latin Americans community groups Could you make a video about finnish education system? How kids starts their life at päiväkoti until different types of higher education? It's very interesting thing and i am still discovering the whole thing.

@AleksiHimself 2 года назад

Thanks man that is correct! I'll keep your suggestion in mind.

@carraracom 2 года назад

@@AleksiHimself i just know that because I tried 1 month after being 40😂

@holoholopainen1627 2 года назад

Did You know that There Are " No Private Schools " in Finland ! All Schools Are Government RUN - so You know TAXES Go to Good Use !

@carraracom 2 года назад

@@holoholopainen1627 actually there are private schools. They schools focused in international language learning (bilingual schools).

@holoholopainen1627 2 года назад

@@carraracom Yes - but You DONT Get a Diploma from Those - to UNI !

@lucasmendes4982 2 года назад

Hey Aleksi, great video! Could you make a video about paying less taxes in Finland?(legally of course!)

@AleksiHimself 2 года назад

Yes I can!

@lucasmendes4982 2 года назад

@@AleksiHimself thanks so much and great video!

@hangmoon98 2 года назад

Hey Aleksi, awesome video. How much would facade renovation cost from your experience? The apartment I’m interested will go through a facade renovation

@AleksiHimself 2 года назад

It repends on many factors, such as the age, the size, the materials it was built etc. Check the company papers and see if the company has already set a budget. If not, you can use this to get an idea: www.personalfinance.fi/quickstart-to-house-renovations-in-finland/

@hangmoon98 2 года назад

@@AleksiHimself thank you very much for the info! Have a good day 😊

@carmenrlozano 2 года назад

Thanks for such a detailed video!! Can I ask though still: if you pay velaton hinta, does it mean you don't pay monthly yhtiövastike? And if you decide to pay yhtiövastike monthly, then you pay just myyntihinta? Thanks in advance 😇

@AleksiHimself 2 года назад

Yhtiövastike = Hoitovastike + rahoitusvastike (in most cases) If you pay the velaton hinta, rahoitusvastike will be zero. You always have to pay hoitovastike.

@renyroy4095 2 года назад

thank so much i am from india interested to finland

@AleksiHimself 2 года назад

Good stuff! 😃🙌

@shanazjariwala6541 2 года назад

Thanks, Aleksi! How many home keys is the purchaser of the apartment entitled to get from the seller?

@AleksiHimself 2 года назад

All of the keys that there is. It depends. There should be at least 2-4 of them I believe.

@anonyshinki 2 года назад

Hi, is applying for the ASP loan worth it? Or is the wait too long (compared to how fast the prices are rising) and the process not too smooth for foreigners? (I asked the bank about that, but e.g. they said that people who have an apartment abroad, even if it's in practice parents' apartment, cannot legally apply)

@AleksiHimself 2 года назад

Hi. If you plan to buy the apartment soon, then ASP is probably not worth it. If you have owned more than 50% of an apartment (including abroad), then you are not qualified for the ASP loan nor the first-time-buyer benefits.

@cristianbondoc0 2 года назад

How is the countig for the rooms? For example 1- 1 room ( it is a bedroom + living room + kitchen and bathroom) 2 - 1 room ( it is a room that is used like a bedroom and living room also + kitchen and bathroom) Thanks!

@AleksiHimself 2 года назад

In Finland, the number of rooms mean the rooms you can live in: 1h = Single room apartment 2h = A bedroom + a living room 3h = Two bedrooms + a living room Kitchens, bathrooms and closets are not counted in.

@jorgecosta8815 2 года назад

The video is behond helpfull. However, it would be nice to see the purchase capabilities of each professional sector (health - what could a doctor or a nurse achieve? Education - what could a professor achieve? And science - what could an engineer achieve?) In order to understand if the money would be enough compared to other countries. For example, In Portugal with a enginner salary you will need help from your parents otherwise the salary runs short.

@AleksiHimself 2 года назад

It's impossible to give any simple answer because there are many factors such as: - income - expenses - what kind of apartment/house do you want - what areas/cities you're interested in The good news is that just send a loan application to a bank and you will get answers. The banks do not give you a loan if your net income is not good enough.

@MaiNguyen-qd7dg 2 года назад

One more step related to the transfer tax for first-time home buyer: you have to go to Vero (tax website), login to your account and fill out the transfer tax return form. It is your responsibility to do it, not bank or realtor.

@AleksiHimself 2 года назад

Thanks Mai! If you use DIAS, the realtor will do it for you. We bought our apartment this way and we did not have to file the form.

@MM-kz9pd 2 года назад

In my case the bank lady helped me with Vero. She asked me to take the laptop to the bank when we had the deal and after that we stayed with her and she guided me on the vero website. It was very kind of her:)

@AleksiHimself 2 года назад

That's amazing!

@manishahamal950 Год назад

Could you please elaborate about the heating system? Which one is cheaper or better?

@AleksiHimself Год назад

Electricity heating is the most expensive and worst in my opinion. Geothermal heating (maalämpö) is excellent. District heating (kaukolämpö) is the most generic one and okay. These are the standard options for apartments/row houses. Houses have some other options, too.

@jettchana7901 Год назад

How much will u be paying for that house u used as example a month?

@poppywidiastuti6178 Год назад

Wish my Bf can make it come true soon. And I can moved to Helsinki soon.

@AleksiHimself Год назад

Good luck!

@kpv3806 2 месяца назад

Hi Aleksi do you have any idea if house loan can be granted even if we dont have money for downpayment?

@AleksiHimself 2 месяца назад

You will most likely not get it. The only case where that would work is if you pledge other assets (another home, stock portfolio, etc.) to cover that. Better to start saving for the downpayment if you plan to buy.

@landlord5552 2 года назад

Our house here in Åland/Finland is payed off some years ago. Question is, should I sell now and move to Madeira or Brazil?

@AleksiHimself 2 года назад

I don't know.

@martindohnal55 3 месяца назад

Hi, considering moving to Finland and buying and apartment there. So if I am a first time home buyer, I don't pay a capital gain tax if I decide to sell and move out of Finland?

@AleksiHimself 3 месяца назад

If you live in the home you buy for at least 2 years, you can sell without capital gains, regardless of whether you're a first-time buyer.

@margaritasaifoulina7861 2 года назад

There is one little mistake. 4 % offer decline penalty applies only on share owning ownreship thus, not on detached houses.

@AleksiHimself 2 года назад

Correct!

@pharm.dmohsin2037 2 года назад

Hey Aleksi! I need your suggestion on my first arrival to Finland. My arrival time will be 17.50 7th march. then i have to travel to Kuopio. what is your suggestion regarding booking tickets and staying options in Helsinki for one night (in case I do not get a train or hostel keys at the time of my arrival). I have no friends and this is my first-time that's why i have asked for your help. hope u don't mind!

@AleksiHimself 2 года назад

Hi. I would get a cheap hostel for one night. You can use the popular search sites for that. Then, get a train from Helsinki to Kuopio the next day.

@holoholopainen1627 2 года назад

Eurohostel at Linnankatu ! IT IS Right by The Ferry Viking LINE Terminal ! You Get There by TRAM # 4 Mannerheim Street just behind HOTEL VAAKUNA - and 24 Hour Ticket - IS just 8€ ! One Fare IS 2.50€ FROM AIRPORT to DOWNTOWN - by TRAIN ( 5€ ) - Where You take The Tram ! After / before The - Night - You still May use All The TRAMS ( with 24h Ticket ) - to buy food & see The City ! Do ASK - I Have Done this plenty of Times ! All TICKET AUTOMATS has - a Button as Language choice - so just press English !

@nhantiger4726 Год назад

I need buy house in Finland, can you introduce to me

@onzie9 2 года назад

I know this seems stupid, but who qualifies as "first time home buyer"? I owned a home in a different country, but with the system here, I definitely feel like a first time buyer.

@AleksiHimself 2 года назад

Good question! There are three criteria: - It means that the person has never owned at least 50% of an apartment/home, including owning anything outside of Finland - The person is below 40 years old - The person will use the home for living (not rental) So in your case, you would not qualify as a first time buyer, unfortunately. :/

@babygirl-ox5yx 2 года назад

@@AleksiHimself How will they know you own property in another country?

@AleksiHimself 2 года назад

To be honest, I don't know. They may ask you proof of previous ownerships.

@laluna2264 2 года назад

@@babygirl-ox5yx the information is available from your embassy, plus everything about you is available on Interpol. So if you have a property listed in your name, it will show on there as well.

@holoholopainen1627 2 года назад

@@laluna2264 Are You EU Citizen ? I think The LAW - means in Finland !

@DhruvRathee-Channel Год назад

*Hei alexi , I have been living in Finland for over 4 years. Is it possible to get credit or loan to buy destination holiday house , for example I want to buy a house in Thailand , Maldives or India* does my bank provides loan in this case? I do not have any debts or house in Finland*

@AleksiHimself Год назад

Hey. I think the Finnish banks do not accept foreign estate as collateral which makes things more complicated because the loan needs to be fully collateralized.

@DhruvRathee-Channel Год назад

@@AleksiHimself thanks alexi , I have been just working almost one year, after completing my studies right in Finland ,how about short loans? Despite it takes time , 70% I was thinking to invest from my own savings, but possible to get short loan or credit loan up to 30,000 euros ?.

@AleksiHimself Год назад

@@DhruvRathee-Channel I don't know. You need to ask the bank.

@DhruvRathee-Channel Год назад

@@AleksiHimself sure Alexi , just done my research consumer or personal loan is possible from bank , but in OP up to €15k only 😁

@erenoncel3201 2 года назад

Aleksi, ı appricate for your work but Do we need to learn that?

@AleksiHimself 2 года назад

If you want to buy a home in Finland, then it's important to understand these.

@maagat Месяц назад

I have just had the worst experience buying a home in Finland. We bought a home, offered asking price because the home checked all my boxes. Turns out the house had water damage that was not disclosed. The house stinks and has mold. This was not noticeable in winter, but come spring time and the snow melted, the walls were clearly wet. The seller was a company and the seller threatened to go bankrupt if we do not accept losing 10k euros for him to buy it back. Don't buy an old home here. Advice that is missing here is get a technical report before closing the deal and don't buy in the winter.

@AleksiHimself Месяц назад

I'm sorry to hear about your experience. Was it a detached house? Did you have an external inspection/audit before buying it?

@maagat Месяц назад

@@AleksiHimself yes a detached home. We had a Finnish acquaintance do an inspection and that was a mistake. We relied on him to get a pursue the technical inspection and his advice, was it was a fine house. He was wrong. People make mistakes. The inspection was off the record, the flaws that appeared in the spring were dormant in winter. We have a lawyer now and tons of expenses piling up, based on that we are not seeking justice, we just want to get rid of the house as soon as possible so we can go back to our regular broke life. YAY!

@conniec6543 2 года назад

Aleksi...I would really like to reach out to you personally on (phone) is that possible...I have more questions and personal clarification I would like (in regards to Finland) Thanks in advance.

@AleksiHimself 2 года назад

You can ask your question here or send me a DM on Instagram.

@babygirl-ox5yx 2 года назад

Is it costly to own omakoti in Finland? I really love omakoti but people always say it's expensive to manage

@AleksiHimself 2 года назад

There is a few downsides with omakotitalo. First of all, the higher transfer tax (varainsiirtovero) + that you're responsible for organizing and financing all the repairs. My GF and I have opted for kerrostalo and maybe later for rivitalo because we are not really handy or keen into fixing stuff ourselves. It really depends on the age, too. Older houses may need more fixing.

@babygirl-ox5yx 2 года назад

@@AleksiHimself What about rivitalo? Is it same costs of maintenance like kerrostalo?

@AleksiHimself 2 года назад

Yes and no. Yes, because a rivitalo is housing company ownership (like kerrostalo) and they take care of the big renovations. No, because there are factors such as the number of apartments in the company, the age of the buildings and how well the company is managed.

@babygirl-ox5yx 2 года назад

@@AleksiHimself How does number of apartment an building age affects cost?

@AleksiHimself 2 года назад

@@babygirl-ox5yx An older building needs most likely repairs if not done already. The more apartments in the building, the less money the housing company can collect in maintenance (vastike) payments. I explained more of this in this video. ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-CYp04b-wSCo.html

@bledisaliko 2 года назад

The worst thing to do in Finland is buy a kerrostalo apprtment you never own the house here always some repair and maintenance from Taloyhtiö which is crazy expensive especially when they do the putki the pipe renovation the land the building is is on rent from city its such a crazy notion over most of the world that technically you do not own shit in the end

@AleksiHimself 2 года назад

That is why you need to carefully research the apartment. It's better to buy an apartment where big renovations are not coming up in the near future. The other option is to buy a detached house where you are responsible for all repairs yourself.

@vladmakay 2 года назад

Sorry, but if you want to simply pay the whole amount in cash, would the process be any different? Half of the video is dedicated to the mortgage process, so got confused.

@AleksiHimself 2 года назад

I understand. 98% of the buyers do need a mortgage so that's why I covered it. If you have cash then you don't need a mortgage. I believe you just need to let your bank know about the transaction.

@rezamovarrei4741 2 года назад

How to buy a car in Finland? :)

@AleksiHimself 2 года назад

I can do that video later.

@rezamovarrei4741 2 года назад

@@AleksiHimself Would be great! 👌🙏

@rezamovarrei4741 2 года назад

@@AleksiHimself Would be great! 👌🙏

@MN-gp2cu 2 года назад

first of all why? in Finland?

@AleksiHimself 2 года назад

Why not? If you plan to live here long-term, it's a good choice.

@MN-gp2cu 2 года назад

@@AleksiHimself in my opinion is better to buy in other country southern Europe is much cheaper and law is more friendly if you want to do any changes in your building. Materials cheaper and more materials...

@AleksiHimself 2 года назад

@@MN-gp2cu if you live in Finland, it makes sense to buy a home in Finland. This video was meant for people who are living in Finland.

@MN-gp2cu 2 года назад

@@AleksiHimself I am not sure if is good time for buying... Later maybe cheaper because southern Europe, there are many investitions. Renting is always good and easy to change. But if somebody want to buy... Why not... It is just my opinion that I can share here.

@cobysaurus1097 2 года назад

I didnt understand a single thing T-T this stuff is so complicated

@AleksiHimself 2 года назад

Let me know if you have any questions!

@cobysaurus1097 2 года назад

@@AleksiHimself Kiitos for the kindness. Well, if I had to ask questions I would basically need explanations on everything. Guess I'm still kinda young for these things. I'm 19 and I don't understand a single thing about all that "adult stuff", nobody ever teaches them to you growing up.

@AleksiHimself 2 года назад

@@cobysaurus1097 this other video about this topic may help! ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-CYp04b-wSCo.html