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Finland · EUR

Real estatein Finland

Finland charges 4% transfer tax and closes with a notary. Helsinki is stable with moderate growth. sivrce opens with Helsinki, Espoo, Tampere and Vantaa.

Registry path
Title checked
3D map
4%transfer tax, raised 2024
First homethe exemption path
CPI capstatutory rent-rise ceiling
Share dealhousing-company shares, board consent
What a purchase really costs

400 000 € home in Finland

Transfer tax (varainsiirtovero, 4%) (4%)
16 000 €
Lawyer & registry (≈0.4%)
1 600 €
Cash needed at closing
417 600 €

≈ +4.4% over the price. Finland raised varainsiirtovero from 1.5% to 4% in January 2024 — the table prices the new rate (first homes under 50% ownership of a housing company are exempt). Housing-company shares (bostadsaktier style) transfer like shares, with the company board’s consent. Foreigners buy freely.

Rentals run on rules

The rent side, in three lines

  • Deposits run one to three months, escrowed at the bank.
  • Leases commonly run open-ended; rent increases to the CPI-plus cap.
  • First-hand rentals queue for years in Helsinki — an indexed private lease beats the queue.

Helsinki prices off the capital grind; Tampere and Espoo price off tech. Owning beats the rental queue in every metro.

Transfer tax is 4% on the purchase price, payable by the buyer. The market is transparent and stable. Helsinki's Töölö and Kamppi are premium.

Finland offers excellent public infrastructure and a stable Nordic market. Yields are moderate but reliable.

sivrce.com/fi is the canonical Finland URL. Listings publish only when verified.

FAQ

Can a foreigner buy in Helsinki?
Yes, with no restrictions for EU/EEA citizens. Non-EU citizens can buy but may face restrictions on certain land types.
What is the transfer tax?
4% on the purchase price, payable by the buyer.

All markets: sivrce.com · Georgia marketplace: sivrce.ge · Prices and availability are published only when a verified listing exists. Market currency: EUR.