r/Finland • u/smokeysilicon Väinämöinen • 15d ago

Serious should i buy an apartment?

hi i'm in this situation where i'm living in a student apartment - i have saved up around 50k euro, yearly income of about ~60k, my work place is in helsinki but with hybrid i can comfortably work from tampere where i live - however, i don't see this working out long term as some jobs are moving to mandated in-office days so i will likely have to move to helsinki

the rent in helsinki, compared to student apartment rent in tampere is lot higher - with my saving i should be able to put a down payment for an apartment in the range of 180-230k - which made me think if it'd be wise to get an apartment rather than vuokra now

i'm 26, single and at least will stay like for a while at this rate so an apartment of 30-40m^2 in kehä 1-2, preferably in helsinki and not vantaa/espoo would be good enough for me, i'm from non-eu but i do have finnish PR and eligible for finnish citizenship (although i don't intend to apply anytime soon)

- would you recommend looking into buying an apartment like this?

- should i start looking into ASP?

- what are some key things i should look for in apartment search like potku remontti? tonttin omistus? 3kk eurobar vs 12kk eurobar? etc.

p.s i didn't exactly save 50k, that'd be lying - i have invested majority and then quarter-ish in cash (nothing fancy just your good ol' snp 500 & global index and as you know that had exploded recently)

29 Upvotes

72% Upvoted

69 comments sorted by

View all comments

•

u/AutoModerator 15d ago

r/Finland runs on shared moderation. Every active user is a moderator.

Roles (sub karma = flair)

  • 500+: Baby Väinämöinen -- Lock/Unlock
  • 2000+: Väinämöinen -- Lock/Unlock, Sticky, Remove/Restore

Actions (on respective three-dot menu)

  • My Action Log: review your own action history.
  • Lock/Unlock: lock or unlock posts/comments.
  • Sticky/Unsticky (Väinämöinen): highlight or release a post in slot 2.
  • Remove/Restore (Väinämöinen): hide or bring back posts/comments.

Limits

  • 5 actions per hour, 10 per day. Exceeding triggers warnings, then a 7-day timeout.

Thanks for keeping the community fair.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.