Purchase Information

Frequently asked questions about buying a new home

When a project is in pre-marketing, we accept reservations for apartments. The reservation fee is €1,000. A written reservation agreement is made, which is valid for about a month, until the RS documentation is ready. The reservation fee is part of the purchase price. We will refund the reservation fee if the buyer needs to cancel the reservation.

In the sales phase, we have received RS documentation ready for the project and can sign purchase agreements. At this stage, we no longer make reservation agreements but aim to proceed directly to signing purchase agreements.

The sales price is paid gradually during construction. The sales price does not include the housing company loan.

The debt-free price is the sales price and the apartment's share of the housing company loan combined, i.e., the total price of the apartment.

The loan share is the apartment's portion of the housing company loan. The housing company loan can be paid in full when the apartment is ready, or paid off monthly as a capital charge. Typically, only interest is paid on the housing company loan for 1–2 years, after which loan repayments also begin.

Check the exact pricing details and housing company loan information in the apartment details or project brochure.

Owned plot: The housing company owns the plot entirely and there is no ground rent.

Optional leasehold plot: The shareholder can purchase their share of the plot (ground rent is eliminated) or remain as a tenant (monthly ground rent cost). The plot share decision can usually be made annually.

Leasehold plot: The housing company does not own the plot but leases it, in which case a monthly ground rent charge is paid.

You can influence interior materials and built-in fixtures, with an interior designer to assist you. Make sure to start early so you have time to influence your home's interior design.

For detached house projects, construction typically takes about a year.

In some cases, you can visit our completed homes. However, apartment sales are usually made before construction begins or in the early stages of construction, in which case you can visit the plot and the project while construction is still underway. Detailed information about the project and individual apartments can be found in the project's marketing and sales materials.

The apartment purchase price is paid during construction in installments, according to the construction site's completion stage. There are usually 5–7 installments. The purchase price paid in installments is the same as the sales price stated in the project information. After the project is completed, the housing company loan share is paid off either in one lump sum or monthly as a capital charge.

Uuden asunnon ostoprosessi (RS-hankkeissa)

1

ennakkomarkkinointi

Ennakkomarkinointivaiheessa asuntokohdetta esitellään markkinoille ja varmistetaan kohteelle riittävä kysyntä. Sitova asuntokaukauppa ei vielä ala.

2

varaaminen

Ennakkomarkkinointivaiheessa kohteesta kiinnostunut voi varata haluamansa asunnon. Varauksesta tehdään kirjallinen varaussopimus. Varausmaksu on 1000 €, joka palautetaan, mikäli varaus peruuntuu.

3

Asuntokaupat

Kun kohteessa on RS-valmius, tehdään viralliset kauppakirjat. Maksettu varausmaksu vähennetään kauppahinnasta.

4

Sisustusvalinnat

Kauppojen jälkeen ostajalla on mahdollisuus valita asuntoonsa esimerkiksi pintamateriaalit ja värimaailma sekä sopia lisä- tai muutostöistä sisustussuunnittelijan kanssa.

5

Osakkeenostajien kokous

Kun asunnoista on myyty vähintään ¼, rakennuttaja järjestää osakkeenostajien
kokouksen. Kokouksessa osakkeenostajat voivat valita yhtiölle ulkopuolisen rakennustyön
tarkkailijan sekä tilintarkastajan.

6

Muuttotarkastus

Ennen varsinaista muuttoa asuntoihin tehdään vastaanottotarkastus, jossa ostaja voi huomauttaa mahdollisista puutteista tai korjauksista, jotka rakennuttaja korjaa.

7

Muuttopäivä

Avaimet luovutetaan uuteen kotiin. Kauppahinta ja mahdolliset muutostyöt maksetaan muuttopäivään mennessä, jolloin myös omistusoikeus asuntoon siirtyy ostajalle.

8

Hallinnon luovutuskokous

Noin 1-3 kk muuttopäivästä rakennuttaja kutsuu osakkeenomistajat hallinnonluovutuskokoukseen, jossa kohde luovutetaan uudelle, osakkaiden valitsemalle hallitukselle.

Download the pre-marketing brochure

Download the pre-marketing brochure with all the project information compiled:

  • price list
  • site plan and floor plans
  • construction description
  • interior design brochure

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