Whether you’re thinking of buying a house, apartment, or other property, for the majority of people, the reality of purchasing property means securing a mortgage. And with mortgage fees, solicitor payments, and transfer tax, keeping your repayments as low as possible is important for affordability in the long run.

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A real estate agent hosting a house viewing in Katajanokka, Helsinki, on 17 March 2020. (Markku Ulander – Lehtikuva)

THE MORTGAGE SOCIETY of Finland (Hypo) has revised up its forecast for house prices in 2020–2021.

Hypo on Friday published its most recent review of the housing market, forecasting that house prices in the capital region will increase by 3.0 per cent in 2020 and 3.5 per cent in 2021. The forecasts represent increases of two and one percentage points, respectively, from the review it published in August.

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People often need temporary accommodation when they are looking for a new house to buy or their own home is undergoing some major renovation.TO GIVE US a mortgage, the bank required that we sell our old home before buying a new one. Now we've exchanged contracts on our old place, which leaves us in a quandary: where will we live until we find a new house?

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Advances in heating technology, among others, will influence the cost of heating.The price of district heating may surge by 70 per cent by 2020, according to the estimates of PTT, the Finnish Real Estate Federation and the Finnish House Owners' Association.

For a family living in a 90-square metre flat this would translate into a 50-70-euro increase in the monthly energy bill, says PTT. Having already gone up by 31 per cent since July 2010, district heating prices have skyrocketed in the 2010s.

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Viewings have also been quiet in the Capital Region.

Flat prices have continued to climb in the capital region this year. This is in contrast to elsewhere in the country where a slight downward trend has been seen in house prices. Even in the capital region, prices are slightly down compared with last year in certain areas. Helsingin Sanomat compared flat prices in different parts of the capital region, including in its statistics areas where at least 20 flats have been sold this year. New housing estates were not included in the list.

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Unable to find a matching armchair to go with the sofa for free, Ninni Laaksonen sold some objects that were surplus to requirements on Facebook and bought a second-hand chair.Ninni Laaksonen furnished her friend's two-bedroom flat with items collected through Facebook.

Is it possible to create a cosy and harmonious decor without spending a cent? Believing it could be done with time, patience and a little bit of ingenuity, Ninni Laaksonen (28) decided to put the idea to a test.

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A new wall element being installed in Myllypuro in Helsinki last July. The building on Alakiventie 3 underwent a transformation when its wall surfaces were replaced and two new floors were added.The renovation of housing in suburbs going to rack and ruin must be speeded up, urges the Ministry of the Environment. Built in the 1960s and 1970s, these blocks of flats are behind with work that needs doing, with the cost of this backlog of maintenance amounting to tens of billions of euros.

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A man working with a laptop and a mobile network modem at a summer cottage.There are several ways to get on the Internet while on the go.

THESE days, being without an Internet connection is not an option in Finland. It doesn’t matter if you are at your summer cottage or skiing in the middle of nowhere, the Internet Service Providers (ISP’s) in Finland will offer you an option to connect, just by using a dongle and a SIM card.

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Real estate expert states that Finnish skills are not necessary in the sucessful search for a home.Moving house in Finland doesn’t need to be a daunting affair.

MOVING house is never simple, but as a foreigner, trawling the endless estate agency, private rentals and student accommodation websites using Google’s rusty “Translate Page” function can be tedious. You have already lugged your belongings halfway around the globe, and like most of us, through the generosity of in-laws and fellow travelers, have probably acquired a load more baggage..

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There were a total of 5 900 cases of fire in buildings and 83 people lost their lives in fires in Finland in 2012.When applying for home insurance policies, there are a few things to keep in mind.

ALTHOUGH a voluntary expense, many count home insurance among their standard housing costs. In fact, home insurance is the most common voluntary insurance plan in Finland, according to a 2012 study by the Federation of Finnish Financial Services, with 86 per cent of the survey respondents (15-79 year olds) having a home insurance policy.

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The new Pelican Self Storage site in Olari (Espoo).Thinking of moving? Find out how self-storage can make your life easier.

Rasmus Nalle is the title of a popular Danish children’s book, and one of its characters happens to be a pelican that keeps putting one item after another into his beak. This childhood memory must have switched a light on in somebody’s head when in 2009 a name was needed for a new business initiative based on renting storage spaces for private use. Thus, the Pelican Self Storage brand was born to prove that some animals from warmer climates can actually do very well in the snow.

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