Noi (di origine indiana) stiamo valutando l’acquisto di una casa (budget € 120.000-200.000) nella regione di Espoo. Mia moglie è in Finlandia (di recente è diventata residente permanente) e paga l’affitto (> € 800 al mese) da 6 anni.
Siamo ancora piuttosto nuovi all’idea e al processo di acquisto di una casa in Finlandia. Ci imbattiamo in opzioni abbastanza accessibili o fuori budget. Anche l’idea della proprietà parziale è allettante (per la cifra che paghiamo per ottenere il diritto di vivere). Tuttavia, per l’opzione di proprietà totale, l’annuncio immobiliare menziona 200-300 € al mese come spese di gestione e ulteriori considerazioni mensili aziendali.
per esempio – https://asunnot.oikotie.fi/myytavat-asunnot/espoo/21871936
Ciò è scoraggiante, perché equivarrebbe a pagare quasi il 50% di quanto stiamo pagando come affitto mensile. Sappiamo che alcune spese di manutenzione, acqua ed elettricità dovranno essere pagate, ma è normale pagare quasi 400 € al mese nonostante si sia proprietari della casa? È una situazione/condizionale? Qualcuno può aiutarmi a capire quale sarebbe la responsabilità mensile realistica per i proprietari di casa che desiderano vivere nella casa di proprietà e non affittarla per generare reddito? Grazie in anticipo
What is treatment fee and company consideration?
byu/JusAnothrLivingBeing inFinland
di JusAnothrLivingBeing
3 Comments
The listing is for an apartment, not a house.
The building is owned by a housing company and what you buy is the right to use one of the apartments in that building.
The monthly fee covers things like heating, maintenance (cleaning of common areas, smaller repairs, plowing the snow in the winter, etc)
It’s not that uncommon, especially when talking about apartments rather than an actual separate house. Since there’s the limited liability company involved with apartment buildings that are owned by the tenants. The company charges the people owning the apartments to pay off debts that may have been previously taken to fund repairs to the whole building. Or they foresee a big repair incoming and are charging inhabitants to prepare for it.
The amounts may wary and it depends on how the company itself has been managed, but it’s not too uncommon for them to be around that amount. If you are paying rent, the landlord is likely using good chunk of the rent fee to pay for the fee to the respective company themselves.
The monthly fees will wary depending on the location, the limited liability company as well as the age of the building itself.
In this example post the maintenance / upkeep fee is 275€/month.
As described by LordMorio it covers heating and basic maintenance of the building and yard, cleaning the premises and so on.
Then there is some “Erityisvastike” 75e/month. This is either payment of a loan for this apartments share, the housing company has most probably taken loan to finance some larger repairs.
It could also be that they are collecting money into fund to do some repairs in future. Bit strange that its marked like that.
Most usual way is that the housing company takes loan and its written as “Pääomavastike”.
— edit —
Also if you have the money and want to pay out the debt part (if it actually is debt in this case) its usually possible on 2 or 4 specific days a year, for some loans what ever day is possible. Depends on the rules bank has put there. You ask your housing steward about the possible dates and an invoice. You pay it off, after that you only pay the maintenance fee.