Reviewing the housing company
Charges, loan share, upcoming renovations and the company's finances.
Applies to: Finland. Reviewed 2026-09-25.
Key takeaways
- The maintenance needs report shows what is coming in the next five years.
- Major renovations are usually financed with loans the shareholders repay through charges.
- The building's age and past renovations say a lot about future costs.
The company's finances
- Maintenance charge for day-to-day running.
- Financing charge for the company's loans.
- Loan share per flat and whether it can be paid off early.
- Planned renovations and how they will be financed.
Questions to ask
- When were the pipes, façade and roof last renovated?
Red flags
- A large share of flats owned by one party, or unpaid charges.