JornayaTrusted Form

Buying a Home in Finland

🇫🇮 Finland, (FI)

Deliver Your Household Stress Free

Compare our rates to or from: 🇫🇮 Finland, (FI)

  • Deliver Your Home Stress Free and Have Peace of Mind
  • Licensed, Bonded and Insured Carriers Near You
  • Award Winning Service, Always on Time

Get instant quotes using our form, or call:

House Moving Quote Calculator

Home buying in Finland is actually not as tricky as you might think it would be for expats. As long as you have the proper residence permits and visas to reside in and move to the foreign country, buying a home is possible. Although the country is much smaller in size then the U.S., there are usually many great homes on the market. It is in your best interest to begin your house hunt while still in the states and after hiring a Finnish real estate agent.

Search for Your Home in Finland

Your search for a home in Finland will prove interesting. The housing types are a little different than what you’d find in America so don’t expect to get the same accommodations and features. Many of the properties you’ll find for sale are apartments and flats, so you’ll need to decide what it is you truly want in a home.

Once you begin your search, create a list of everything you desire including specific amenities, how many bedrooms and bathrooms you need, whether or not you want a split level or ranch style home, and whatever preferences you might have. Although you may not find everything you’re looking for in a home, your real estate agent will do everything they can to supply lists of properties in your interest and budget.

While looking for a home in Finland, check out local publications and online resources. You’ll find that not every home for sale in the nation is listed but your real estate agent should still have the information needed for these homes. If you’re not in the country yet, you’ll have to depend on your agent to get all the information you need for a home. Try to have this prepared before you move to the nation of Finland.

The Legalities and Details of Buying a Home with a Finnish Mortgage

Finnish banking institutions grant housing loans for buying a home as well as for building or renovating a home. As with all worldwide mortgages and loans, the criteria for purchasing a home loan in Finland is based on the borrower's ability to repay the debt. Having a temporary job isn’t necessarily an obstacle when applying for a home loan if prospects in the industry are right. However, banks are naturally cautious and if you are not a citizen of Finland you may face additional obstacles. This is where your real estate agent proves invaluable.

In the long run an owner-occupied home usually provides the most affordable way to live in Finland. The nation has lower home loan rates than many other nations so this is where you’ll benefit in comparison to owning a home in the U.S. However, all borrowers should be prepared for interest rate fluctuations.

Interest rates- The trend in interest rates on housing loans in Finland has been at a steady decline over recent years. As of early 2017, the average interest rate was 1.09%, down from 2.38% in March 2011.

Loan cap- As of 2016, the amount of a housing loan may amount to a maximum of 90% of the current value of the collateral posted at the time of loan approval. The buyer must therefore have at least 10% in their own savings or other collateral. Loans for purchase of a first home are an exception, with a maximum of 95%.

Cap reduction- From July 2018 the cap will be lowered to 85%. For first-time home buyers, the cap will remain at 95%.

Tax benefits- Part of the interest paid on a home loan can be deducted in taxation, and capital gains on a home are tax exempt after 2 years of living in the home.

Applications for Home Loans- Contact the banks directly to arrange interviews. You can make a formal loan application at an interview if you wish.

Helpful Advice for Acquiring Home Loans

  • Make inquiries to as many banks as you can to see what they offer - the differences in interest rates and charges vary greatly. Your real estate agent and banking institution should provide you with plenty of help and guidance.
  • The banks have English speaking agents who will gladly explain tax issues. They will tell you which documents the tax authority requires
  • Have all documents translated into English
Joe Webster
Written By:Joe Webster
Connect with Joe Webster on facebookConnect with Joe Webster on linkedin

Joe Webster began his journey in the auto transport field by attending the University of Southern California (USC), where he graduated with a Bachelor of Business Marketing. 

After college, he started his career in the auto transport industry from the bottom up and has done virtually every job there is to do at A-1 Auto Transport, including but not limited to: Truck Driver, Dispatch, Sales, PR, Bookkeeping, Transport Planner, Transport Manager, International Transport Manager, Brokering, Customer Service, and Marketing. Working with his mentor Tony Taylor, Joe Webster has learned the ins and outs of this industry which is largely misunderstood. 

With over 30 years experience in the industry, we've been helping people ship their vehicles, motorcycles, RV's, heavy equipment, household goods and more across the country or overseas without a hitch. Ask us anything.

🇫🇮 Finland, (FI)

Our Services and Information

Car International Destinations
Ship Car To Espoo

🇫🇮 Finland, (FI)

Ship Car To Finland

🇫🇮 Finland, (FI)

Ship Car To Helsinki

🇫🇮 Finland, (FI)

Ship Car To Hämeenlinna

🇫🇮 Finland, (FI)

Ship Car To Joensuu

🇫🇮 Finland, (FI)

Ship Car To Jyvaskyla

🇫🇮 Finland, (FI)

Ship Car To Kouvola

🇫🇮 Finland, (FI)

Ship Car To Kuopio

🇫🇮 Finland, (FI)

Ship Car To Lahti

🇫🇮 Finland, (FI)

Ship Car To Lappeenranta

🇫🇮 Finland, (FI)

Ship Car To Oulu

🇫🇮 Finland, (FI)

Ship Car To Pori

🇫🇮 Finland, (FI)

Ship Car To Sillamae

🇫🇮 Finland, (FI)

Ship Car To Tallinn

🇫🇮 Finland, (FI)

Ship Car To Tampere

🇫🇮 Finland, (FI)

Ship Car To Turku

🇫🇮 Finland, (FI)

Ship Car To Vaasa

🇫🇮 Finland, (FI)

Ship Car To Vantaa

🇫🇮 Finland, (FI)


Car International FAQ

Import Vehicles Into the USA

International Moving FAQ

Moving Destinations
Family Relocation to Finland

🇫🇮 Finland, (FI)


Moving Guide
Moving To Finland

🇫🇮 Finland, (FI)


A-1 Auto Transport Serves the World

We ship to locations in all 50 states and countries across the world.

Ship Your Vehicle With A-1 Auto Today
Get an Instant Quote

Or Call Us Today and Speak to Directly to Our Sales Team:

Our Partners:

Better Business Bureau Accredited
FMCSA Member
INC. 500 Member
VeriSign Secured
AMSA Member

A-1 Auto Transport is a disclosed agent for the following shipping companies:

Trans Global Auto Logistics, Inc.
3401 E Randol Mill Rd
Arlington, TX 76011
NO. 018191NF
CFR Rinkens
15501 Texaco Avenue
Paramount, CA 90723
NO. 013055NF
ABC Worldwide LLC
2840 NW 2nd Ave #105
Boca Raton, FL 33431
NO. 025472F
CSI Logistics
435 Division Street
Elizabeth, NJ 07201
FMC 22206
Intl Cargo
45 Campus drive
Edison, NJ 08837
NO. 17858N
ShipYourCarNow LLC
1160 South Rogers Circle Suite 1
Boca Raton, FL 33487
NO. 025646
Merco Air & Ocean Cargo, Inc.
6 Fir Way
Cooper City, FL 33026
NO. 021869F
Copyright © 1988-2020, A-1 Auto Transport - All Rights Reserved.