Your take 2-3 days when buying an apartment and about 5 days when purchasing real estate in a house.
All required documents shall be drawn Finnish realtor who sells the object.
After inspecting the facility, if the buyer are satisfied, sign the proposal (offer), and paid a deposit in the amount of max. 4% of property value. Next, the necessary documents and calculations.
Bill of sale is signed as soon as the required amount goes to the seller, ie, Turnaround time depends on how quickly will the funds. Possible in advance to open an account in one of the Finnish banks, a bank with offices in Finland, or transfer funds in the bank, which cooperates with the Finnish.
 Additional costs Joined property rights in the court will require the following one-off costs:
-Purchase of an apartment-1, 6% of the purchase price,
Home-buying -4% of the cost of home
-Land for construction, 4% of the value of the site.
If the buyer's age to 40 years, and purchased housing is the first (of what is written application to the bank), this tax is not charged.
Finnish law stipulates
Tax on transfer of ownership is not paid if the buyer
1) acquires ownership of real estate, at least half of the residential
structure
2) uses or intends to use the structure as its
permanent housing
3) has not previously been the owner referred to in paragraph 1 of the structure or shares
giving ownership of residential premises
4) at the time of signing the deed of sale at least 18 but not 40 years.
If a few buyers, it is not taxed only part of the
value corresponding to the right of ownership to the buyer,
respect of which the above requirements are satisfied.
Buyer must be at registration certificate of transfer of the right
property express an opinion on the exemption from tax
resulting in the provincial tax offices in the community.
The question is whether the buyer will issue a conclusion about the exemption
tax, it is necessary to start using the house for a permanent
residence. If this requirement is satisfied, then the tax charge.
When formlenii purchasing procedures require the services of a notary - the average cost of 38 to 50 euros for registration of the transaction.
 Expenditure on the annual real estate property tax depends on the area of the property that you own at a rate of approximately 0.76 Euro per 1 sq. m total area.
Thus, for a cottage with a total area of about 207 sq ft value of the annual property tax amount to 158 Euro.
Tax on profit on the sale of your property will be charged if you hold them for more than 2 years. If your property was owned by less than 2 years, then you'll have to pay the government 39% of the profits earned from the sale.
To pay utility bills, including heating, water and electricity, accounts for about 5.7Evro per year per square meter of total space.
In Finland, the reigns progressive scale of taxation. Minimum income at a subsistence level are not subject to tax almost. Exceeded the level of survival Finn begins to pay council tax, with only "extra" amount - about 17% .0 Low income may lead to the fact that the central government to pay do not have to. The central authority shall be taxable only medium and large profits. But here the same principle: higher tax rate is levied only that portion of income that exceeds certain base amounts. In other words, the representative of the Finnish middle class usually pays 17% from one part of their income, 20% and the other 50% from the third.
Operating costs depend on the square footage and type of construction, as well as by region.
Depending on the district property tax rate ranges from € 0,6 to € 1 per year per square meter of total space. In connection to centralized communications homes for permanent residence (omakotitalo) costs consist of two components - the fee for cleaning the local area (about € 70-90 per year) and utility payments which are paid monthly (sewerage, water and electricity). The cost of electricity varies from € 0,09 to € 0,11 per kW • h, cubic meter of cold water costs from € 1 to € 1,3, sewerage costs € 0,8-1 per cubic meter of waste. Thus, if we do not live in the house all the time, the contents of the cottage area of 200 square meters. m costs around € 1 thousand a year, and if we stay on all the required six months (for a longer stay in the country need to open your business, get a work visa or citizenship), the cost will be around € 200 per month.
The main heating costs.
In this case, the foreigner has the right or through intermediaries to take their property for rent. Lease terms are standard and have not changed since the late 1990's, no time limits or size of the rent there. Over the past ten years the national average rents for apartments and houses grew by about half and at the end of 2005 was, according to Statistics Finland, € 8,81 per square meter. m per month.
However, in the season home, located on the shore of the lake, an area of 80-100 square meters. m quite possible to hand over € 400-600 per week. However, with the difference between revenues and expenditures will have to pay income taxes 29% .0 Banks. Credits. In Finland, it is possible to buy property under a mortgage loan -
average rate of 4-5% (but these cases are indivaidualno)
In Finland, there is a possibility kupt property in installments.
The decision to accept credit banker after studying documents about gaining facility.
Loans given bail acquired property.
Nevertheless, there are some common terms:
1.Kreditovanie capital structure - 50%
2.Kreditovanie suburban buildings - 40%
3.Srok repayment 5-12 years
4.Protsent APR - 5.4%, the rate steady, with the possibility of early repayment without extra. Cost
The three national banks in Finland with offices across the country, but they take the exchange for little more than a private exchange offices. Traveler's checks are exchanged very expensive. Many Finnish ATMs accept foreign credit cards for Visa or Plus. Generally credit cards are accepted in many institutions across the country. |
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Buying property - Finland