How to Buy a House in Finland





If you are looking for information on how to buy a house in Finland, you’ve come to the right place. In this guide, we will walk you through the process step-by-step. It can be a bit daunting for foreigners, but with this guide, you will have everything you need to make an informed decision. Buying a house is a big investment, so it is important to do your research and understand the process before you get started. Let’s get started!

Is Finland Housing Expensive?

One of the first questions you might have about buying a house in Finland is whether or not it is expensive. The answer to this question depends on your perspective. If you are coming from a country where housing is more expensive, then Finland may seem like a bargain. However, if you are coming from a country where housing is less expensive, then Finland may seem expensive. It is all relative.

Finland does have some of the most expensive real estates in Europe, but it is still possible to find affordable options. It is important to remember that the cost of living in Finland is also high, so you will need to factor that into your budget.

How difficult is the property purchase process in Finland?

The property purchase process in Finland is not as difficult as you might think. There are a few things that you need to be aware of, but overall, it is a relatively straightforward process. 

The first thing you need to do is find a real estate agent. You can search for agents online or on the yellow pages. Once you have found an agent, you will need to schedule a meeting. During the meeting, you will discuss your budget, what type of property you are looking for, and your desired location. The agent will then show you some properties that fit your criteria. 

Once you have found a property that you like, the agent will help you negotiate the price with the seller. If the seller accepts your offer, you will then need to sign a contract. The contract will outline the terms of the sale, including the price, the date of possession, and any other special conditions. 

You will then need to pay a deposit, which is usually around 20% of the purchase price. The final step is to arrange for financing. You will need to get a mortgage from a bank to buy the property. Once you have arranged for financing, you will be able to close on the property and take possession.

As you can see, the process of buying a house in Finland is not as difficult as it may seem. With the help of a real estate agent, you will be able to find a property that fits your budget and needs. 

Where to find a home to buy?

There are a few different ways that you can go about finding a home to buy in Finland without using a real estate agent. 

One option is to use an online search engine such as Google or Bing, and simply search for “homes for sale in Finland”. This should bring up several different websites that list homes for sale in the country. 

Another option is to use a site like Craigslist, which often has listings for homes for sale in Finland. 

Finally, you can also check with the Finnish government website, which has a section devoted to housing and real estate. By using one or all of these methods, you should be able to find a home to buy in Finland without too much difficulty.

Buying Real Estate in Finland

If you’re thinking of buying real estate in Finland, there are a few things you should know. First, the market is very competitive, so it’s important to have your finances in order before you start looking. Second, prices can vary widely depending on the location, so it’s important to do your research and find an area that fits your budget. Lastly, the process of buying a home in Finland can be complicated, so it’s important to work with a qualified real estate agent who can guide you through the process. With these tips in mind, you’ll be on your way to finding your perfect home in Finland.

Selling Real Estate in Finland

Finland is a land of endless possibilities, and there is no better time to invest in Finnish real estate than now. With its diverse landscape, ranging from the sparkling waters of the Baltic Sea to the forests and lakes of the interior, Finland has something to offer everyone. And with its excellent infrastructure and modern amenities, Finland is an ideal place to live and work. If you’re thinking of selling real estate in Finland, you’ll find that there is a strong demand for both residential and commercial properties. Thanks to Finland’s stable economy and growing population, investors are confident that they will see a good return on their investment. So whether you’re selling a family home or a piece of commercial property, you can be sure that you’ll find buyers who are eager to take advantage of all that Finland has to offer.

Can foreigners buy property in Finland?

Many people, both Finnish citizens and foreigners, are interested in purchasing property in Finland. So, can foreigners buy property in Finland?

The answer is yes, but there are a few things to keep in mind. First, all buyers must have a Finnish personal ID number. Second, the purchase price must be paid in full at the time of sale. And finally, foreigners may only purchase one dwelling per Finnish citizen.

So if you’re looking to purchase property in Finland, make sure you have your Finnish personal ID number and the full purchase price ready. Once you’ve taken care of those details, you’ll be able to enjoy your new home in this beautiful country.


In Finland, mortgages are usually taken out for 25-30 years. The interest rate on a mortgage is usually fixed for the first few years, after which it may change.

Mortgages are available from a number of different lenders, including banks, building societies, and specialist mortgage companies. It is important to compare different mortgages before taking one out, as the terms and conditions can vary considerably.

When taking out a mortgage, you will need to provide proof of income and assets, as well as an appraisal of the property you are buying. The lender will then assess your application and decide whether or not to approve the loan.

If you are thinking of taking out a mortgage in Finland, it is important to seek professional advice to ensure that you get the best deal possible.

Transfer Tax

In Finland, a transfer tax is imposed on the transfer of ownership of certain types of property. The tax is calculated as a percentage of the value of the property being transferred. The rate of tax varies depending on the type of property being transferred, with rates ranging from 0.5% to 4%. In most cases, the tax is paid by the buyer of the property. However, in some cases, the seller may be required to pay the tax. For example, if the property being sold is subject to a mortgage, the mortgage lender may require the seller to pay the transfer tax. In addition, if the property being transferred is owned by a company, the company may be required to pay the tax.

Steps to Buying Real Estate in Finland

Before beginning the process of purchasing real estate in Finland, there are a few key steps that must be followed:

 – It is important to obtain a credit report from all three major credit bureaus to get an accurate picture of your financial situation. 
 – You will need to obtain a loan pre-approval from a lender to determine how much you can afford to spend on your new home.
 – Once you have found a property that meets your needs and budget, it is important to hire a qualified home inspector to conduct a thorough inspection of the property.
 – Finally, it is advisable to consult with a real estate attorney before completing the purchase to ensure that all legal requirements are met.

By following these steps, you can help ensure that your experience purchasing real estate in Finland is as smooth and hassle-free as possible.

Conclusion / The Bottom line

While writing this article I realized that to describe to you the whole process of buying property in Finland, I would need at least 10,000 words. I have tried to highlight the key points that you will need if you decide to buy property in Finland. Using my article you will easily go through the key processes that are necessary to make a real estate purchase.

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