Notes: The loanto-value
cap on mortgage loans limits a housing loan to a maximum of 90% (95% for first time
home buyers)
Notes: 30% for owner's income up to €30,000 and 34% for income exceeding that. exempt if the taxpayer has owned and lived in the home for 2+ yrs.
Notes: Depends on municipality and type of property. Taxable value defined separately for the building and the land.
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Financial costs directly related to investment income are deductible
Notes: Financial costs directly related to investment income are deductible
Notes: rental income is subject to Capital Income Tax of 30%. Starting in 2015, Capital Income exceeding 30,000 Euros is taxed at 34%
Notes: The lender must provide all essential details of the consumer credit agreement and consumer rights well in advance of the conclusion of the credit agreement. The details must be supplied on a permanently storable copy (in writing and electronically) using the Standard European Consumer Credit Information form so that the consumer can save or print out the information
Notes: The lender must provide all essential details of the consumer credit agreement and consumer rights well in advance of the conclusion of the credit agreement. The details must be supplied on a permanently storable copy (in writing and electronically) using the Standard European Consumer Credit Information form so that the consumer can save or print out the information
Notes: The National Housing Fund approves interest subsidy-loans
Notes:
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Notes: (2010=100)
Notes: 2% transaction tax for apartments, 4% for real estates
Notes: 2% transaction tax for apartments, 4% for real estates
Notes: 2% transaction tax for apartments, 4% for real estates
Notes: 30% (34% on income exceeding €30,000)
Notes: 30% for owner's income up to €30,000 and 34% for income exceeding that.
exempt if the taxpayer has owned and lived in the home for 2+ yrs.
Notes: 90% of all the loans are variable with 12-month Euribor rate
Notes: Act on Mortgage Credit Banks
Notes: ARA gives interest subsidy loans, which are granted by a bank or other financial institution. ARA accepts the loan thereby giving the loan a state guarantee and paying the interest subsidies.
Notes: ARA gives interest subsidy loans, which are granted by a bank or other financial institution. ARA accepts the loan thereby giving the loan a state guarantee and paying the interest subsidies.
Notes: ARA gives interest subsidy loans, which are granted by a bank or other financial institution. ARA accepts the loan thereby giving the loan a state guarantee and paying the interest subsidies.
Notes: ARA gives interest subsidy loans, which are granted by a bank or other financial institution. ARA accepts the loan thereby giving the loan a state guarantee and paying the interest subsidies.
Notes: Capital gains tax levied at 30%
Notes: Capital gains tax levied at 30%
Notes: Depends on municipality and type
of property. Taxable value defined
separately for the building and
the land.
Notes: Dwelling units with mortgages over total dwelling units
Notes: Dwelling units with mortgages over total dwelling units
Notes: Dwelling units with mortgages over total dwelling units; Whole country
Notes: Even lower for LTV<90%
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Figure is the national percentage
Notes: Financial costs directly related to investment income are deductible
Notes: Financial costs directly related to investment income are deductible
Notes: Financial costs directly related to investment income are deductible
Notes: General Housing allowance is granted for general housing costs such as rent/mortgage and upkeep costs
Notes: General Housing allowance is granted for general housing costs such as rent/mortgage and upkeep costs
Notes: General Housing allowance is granted for general housing costs such as rent/mortgage and upkeep costs
Notes: Harmonized Euro Area Rates, New Business, Deposits, Households, Agreed Maturity, Up to 1 Year
Notes: Harmonized Euro Area Rates, New Business, Loans, Households, Consumption, Floating Rate and up to 1 Year
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans over loans from credit institutions without municipal finance
Notes: Housing loans/loans from credit insitutions without municipal finance
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: In Finland, a mandatory two-month minimum waiting period applies before a lender can sell
the shares in Finnish residential housing companies - These shares qualify as a mortgage security on residential property.
Notes: Interest expenses on housing loans are tax deductible up to 35% of total interest payment
Notes: LTV capped at 90% by Finnish Financial Supervisory Authority
Notes: LTV capped at 90% by Finnish Financial Supervisory Authority
Notes: LTV capped at 90% by Finnish Financial Supervisory Authority
Notes: LTV capped at 90% by Finnish Financial Supervisory Authority
Notes: LTV capped at 90% by Finnish Financial Supervisory Authority. In June 2016, a maximum LTV ratio of 95% will be set for first-time buyers
Notes: Median disposable income converted to USD using average exchange rate
Notes: Median disposable income converted to USD using average exchange rate
Notes: Median disposable income converted to USD using average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: median disposable income, converted from EURO to USD with yearly average exchange rate
Notes: National percentage
Notes: National percentage
Notes: National percentage
Notes: National percentage
Notes: National percentage, owner occupied units over total dwelling units
Notes: National percentage, owner occupied units over total dwelling units
Notes: Nominal House Prices Annual % change
Notes: Nominal House Prices Annual % change
Notes: Nominal House Prices Annual % change
Notes: Nominal House Prices Annual % change
Notes: Nominal House Prices Annual % change
Notes: Nominal House Prices Annual % change
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of building permits granted as a national number
Notes: Number of transactions of dwellings in the whole country
Notes: Number of transactions of dwellings in the whole country
Notes: Number of transactions of dwellings in the whole country
Notes: Number of transactions of dwellings in the whole country
Notes: Number of transactions of dwellings in the whole country
Notes: Real property tax is based on the value of the property (generally 70% of market value)
Notes: Real property tax is based on the value of the property (generally 70% of market value)
Notes: Rental income is subject to Capital Income Tax of 30%.
Notes: Rental income is subject to Capital Income Tax of 30%. Starting in 2015, Capital Income exceeding 30,000 Euros is taxed at 34%
Notes: rental income is subject to Capital Income Tax of 30%. Starting in 2015, Capital Income exceeding 30,000 Euros is taxed at 34%
Notes: rental income is subject to Capital Income Tax of 30%. Starting in 2015, Capital Income exceeding 30,000 Euros is taxed at 34%
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: right of occupancy dwellings, other, and unknown in entire country
Notes: Savings banks and Central Bank of Savings Banks Finland Ltd
Notes: Savings banks and Central Bank of Savings Banks Finland Ltd
Notes: Square meter
Notes: tax exemption on Capital gains on property if the owner lives in the house for more than 2 years; First time buyers are exempted from transaction tax
Notes: Tax incentives for House purchases are available
Notes: Tax incentives for House purchases are available
Notes: Tax incentives for House purchases are available
Notes: Tax incentives for House purchases are available
Notes: The concept of household-dwelling unit was adopted in the 1980 census. In earlier years the concept of household was used.
Notes: The government guarantees for owner-occupied housing loans.
Notes: The government guarantees for owner-occupied housing loans.
Notes: The Housing Finance and Development Centre of Finland (ARA) gives interest subsidy loans, which are granted by a bank or other financial institution. The Housing Finance and Development Centre of Finland (ARA) accepts the loan thereby giving the loan a state guarantee and paying the interest subsidies.
Notes: The lender must provide all essential details of the consumer credit agreement and consumer rights well in advance of the conclusion of the credit agreement. The details must be supplied on a permanently storable copy (in writing and electronically) using the Standard European Consumer Credit Information form so that the consumer can save or print out the information
Notes: The lender must provide all essential details of the consumer credit agreement and consumer rights well in advance of the conclusion of the credit agreement. The details must be supplied on a permanently storable copy (in writing and electronically) using the Standard European Consumer Credit Information form so that the consumer can save or print out the information
Notes: The lender must provide all essential details of the consumer credit agreement and consumer rights well in advance of the conclusion of the credit agreement. The details must be supplied on a permanently storable copy (in writing and electronically) using the Standard European Consumer Credit Information form so that the consumer can save or print out the information
Notes: The mortgage society of Finland
Notes: The National Housing Fund approves interest subsidy-loans
Notes: The National Housing Fund approves interest subsidy-loans
Notes: The National Housing Fund approves interest subsidy-loans
Notes: The National Housing Fund approves interest subsidy-loans
Notes: The National Housing Fund approves interest subsidy-loans
Notes: The National Housing Fund approves interest subsidy-loans
Notes: Whole country
Notes: Whole country
Notes: Yearly Average by Monthly Rate
Notes: Yearly Average by Monthly Rate
Notes: Yearly Average by Monthly Rate
Notes: Yearly Average by Monthly Rate
Notes: Yearly Average by Monthly Rate