After purchase: registration, owning together and selling in Finland
Register ownership, protect cohabiting partners and understand tax when you sell.
Applies to: Finland. Reviewed 2026-09-25.
Key takeaways
- The gain is tax-free if you owned and lived in the home as your permanent home for at least two years in a row.
- Otherwise the tax is 30 per cent, and 34 per cent on capital income above EUR 30,000.
- You can deduct a presumed 20 or 40 per cent of the price instead of the actual acquisition cost.
Selling and tax
A gain on selling your own home is tax-free if you have owned it for at least two years and lived in it as your or your family's permanent home for at least two consecutive years. Otherwise the gain is taxed as capital income at 30 per cent, and 34 per cent above EUR 30,000. The acquisition cost can be replaced by a presumed 20 per cent, or 40 per cent if you owned the home for at least ten years.
Owning together
Cohabiting partners have limited legal protection on separation and do not inherit from each other without a will. A written agreement on ownership shares and a will are therefore common when cohabitants buy together.
Questions to ask
- Has ownership been registered in the residential register or the title register?
Red flags
- You sell before two years without working out the tax.
Sources
- Taxation of gains on selling your own home (Verohallinto)
- Title registration and property transactions (Maanmittauslaitos)
- The residential property register (Maanmittauslaitos)