Why a general AI chat isn't enough when you buy a flat
When a decision is worth tens of thousands of euros, you need a risk analysis built on calculated figures and real sources. Not an answer that changes with the way you phrase the question.
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“What is the housing company's hoitokate (operating margin)?”
We gave both the same tilinpäätös (financial statements).
“The operating margin shows the difference between the housing company's maintenance income and costs. I can't calculate the exact figure without more information. I suggest checking the financial statements…”
The full comparison, grouped
Four areas. Go straight to the one you care about most.
What the report contains
Summary and risk analysis
See the housing company's technical and financial risks at a glance. Each area gets a clear status: Kunnossa (in order), Huomioitavaa (needs attention) or Korkea riski (high risk). The report itself is in Finnish.
Key figures for the flat and the housing company
Hoitovastike (maintenance charge), rahoitusvastike (financing charge), loan shares, hoitokate (operating margin), equity ratio and the housing company's loan balance: all calculated directly from the tilinpäätös (financial statements) and the isännöitsijäntodistus (manager's certificate).
Past and upcoming renovations
A full renovation overview: linjasaneeraus (pipe renovation), façade, roof and other major works with their years. The housing company's long-term maintenance plan (PTS) and flat-level renovations are listed separately.
Area and location data
The postcode area's population profile, median income, education level and employment rate from Statistics Finland's Paavo data. The nearest public transport stops and travel time to the city centre from Digitransit.
Browse area data
Landlord's corner
Statistics Finland market rent data by postcode area and flat type. Estimated cash flow after the maintenance and financing charges, gross rental yield and the maintenance charge to rent ratio.
Korjausvelka estimate (repair backlog)
Estimate the housing company's korjausvelka component by component: wear level and cost estimate for 7 building components, plus a timeline of renovations. The calculation is based on life-cycle and reference cost data from Kiinteistöliitto and the Building Information Foundation RTS.
Available as an add-on for €4 per analysis
Reliable data sources
Our analysis is based on official Finnish data sources, not guesswork.
Statistics Finland
Market rents & housing sales statistics
Digitransit / HSL
Public transport & travel times
SYKE
Flood risks
Kiinteistöliitto & RTS
Life-cycle and reference costs
Try it yourself: your first analysis is ready in under a minute.
One-off analysis €10, or 25 analyses a month for €30/month.