The SECRET Form of Housing in Finland No One Talks About

In Finland, you can either rent or buy a home. But what if you can find a housing form that combines the best of both worlds? Let's find out in the video.
ASO Payment calculator on Haso: www.haso.fi/fi/asumisoikeusma...
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[@AleksiHimself]

✅ Get My Free Guide to Buying a Home in Finland in 10 Steps: aleksihimself.com/homeguide

[@CaveMonJones]

Very clearly stated Aleksi. I appreciate your videos!

[@finmahfuz]

Informative. Thank you for sharing this ♥️

[@AleksiHimself]

Glad it was helpful!

[@shanidoger]

Hello Aleksi, I just loved you videos. A lot of useful information, I have been living in Finland last 15 years and alot of information is quiet new to me. Specially ASP tili. I am currently in a phase of searching my first home to buy and i never knew ASP tili, which is very important point for new buyers. Thanks alot for your effort. BTW ihave watched around 10- 15 videos in a single day :) and now i am tired and sleepy :D

[@AleksiHimself]

Glad you like them!

[@Aidan_Au]

Hope that you're doing well, Aleksi! Stay warm

[@gambit_toys6554]

Kiitos paljon Aleksi

[@geoptus]

Moi Aleksi, this is a fascinating way to acquire a home, thanks for sharing this 👍

[@AleksiHimself]

Glad you enjoyed it

[@AleksiHimself]

Why Finns LOVE to buy a home instead of rent? kzbin.info/www/bejne/pomcdJ-MjZaaZpo

[@alibutt68]

So relax are Finnish people...

[@kechimonye474]

Kiitos

[@VickieEB]

Thanks @AleksiHimself, keep up the great content. Does owning an ASO home affect your chance of buying an apartment when you are ready to use your ASP loan?

[@AleksiHimself]

No it does not affect.

[@Aidan_Au]

Marina just uploaded the first video of the Single's Guide to Finland!

[@ortros1]

Hello Aleksi! Could you please make a video about of buying an island in Finland? And how can a foreigner buy an estate in Finland as well? Thank You in advance and keep rocking it (you are doing a great job).

[@AleksiHimself]

You just need to find someone who is selling an island. If you are outside of Finland, you need to ask a permission from the Ministry of Defence. Otherwise, it's the same as buying a house.

[@ortros1]

@@AleksiHimself thank you for the reply. I did some research and there are some islands for sale in Finland. However (since there are so many of them in your country) is there a website that is focused on islands that are for sale? And since I am from EU (European Union) what rules apply for me (I've read that permission of MD is needed for those that are outside EU)? Greetings from Slovenia.

[@AleksiHimself]

@@ortros1 I think there isn't. You need to use the regular sites. Since you are an EU citizen, you do not need a permit.

[@ortros1]

@@AleksiHimself ok, thank you very much for your time and answers. Terveisiä Suomeen Sloveniasta.

[@alibutt68]

I Will come to Finland.....and I will take residence there....

[@madushanliyanage11]

Sir I got the offers for International business and mechanical engineering in Arcada. Sir according to the job demand, what Should I select?? What is your opinion??

[@bufordghoons9981]

This is similar to a lease-to-own contract for an automobile. It is usually an option for people with a low or bad credit score who cannot qualify for a regular loan.

[@AleksiHimself]

Good stuff!

[@coopsnz1]

majorty finish rent or live in public housing

[@viteksirucek6834]

Hello guys I live in Czechia and a learn Finnish can you give me some tips please

[@topbeast7408]

Can you rent out the place to another tenant for example during summer or when u traveling away ?

[@AleksiHimself]

Only if you have a valid reason, for example, moving out to another city to work or study.

[@teekoo939]

Mutta talo jossa on Arava laina ei oo avara lainkaan. Thanks. I'll see myself out 😋

[@0Tidus0989]

I didn't understand the advantage of this way over normal renting, except that you could not be kicked out of the apartment... Can somebody please explain or tell me which part to listen to again?

[@AleksiHimself]

The residence charge is lower than the market rent. You get the original ASO payment back with an adjustment if you decide to move out. You can make renovations if you want.

[@mikrokupu]

@@AleksiHimself Plus, when you give up your dwelling, the refund of your ASO payment is adjusted by the construction cost index. Meaning, usually you can expect some profit. I moved in to my ASO studio apartment in 2019, the payment was 17K. Right now the value of refund would be around EUR 3000 higher, thanks to the high inflation we've seen. The refund is tax free.

[@Whatshisname346]

There is a another type I saw recently in hervantajärvi in Tampere. They’re allowing you to pay the 15% deposit, pay the monthly fee and then after 5 years buy out the flat (with mortgage or cash) at the market rate that you moved in or get the deposit refunded at the new market rate. Not sure how the taxes work on that one but it sounds like a nice way to get into home ownership.

[@AleksiHimself]

Yes, that is called part-ownership (osaomistusasunto). That's another option.

[@simirma3]

Interesting! What is the monthly fee? The building company’s fee, a rent or something else?

[@simirma3]

Aleksi, could you make a video on this too? 🤩

[@arankin2914]

Sounds like rent to own. It's an option some people use in my country.

[@Whatshisname346]

@@simirma3 depending on the size of the flat, it’s about €450 for a studio up to about €950 for a penthouse 4 room with a 15% deposit. Not too bad really.

[@pritammalakar5904]

♥️♥️♥️♥️

[@seemdata]

can you live in finland just only work as a youtuber? or you need to have the other occupation to live?

[@AleksiHimself]

If your KZbin business can provide enough income, then probably yes.

[@romyardianto5723]

The next video is about "Remote Job in Finnish Enterprise" for international employeers please

[@Jaslittleflower]

Hi, Can immigrants get ASO homes or only Finns?

[@AleksiHimself]

Yes they can.

[@coopsnz1]

how this beter than owning a home it not lefty

[@vancouver4sure]

Kittos

[@coopsnz1]

it not home ownership i pass

[@coopsnz1]

home ownership fallen to 48% in a decade ) young millenial home ownership shrunk to 28% . socialism policy sucks more than capitalism gloabally

[@mik91_N8]

Morro, Morro! A small, thermally insulated house, with the strict necessities, easy to maintain (here I mean keeping it clean and with low consumption), is my dream house ☺️ In time, maybe I would invest the money earned in photovoltaic panels. Ah, but what do we do with Finland's climate or the very short days of winter? Would it be worth investing in photovoltaic panels in Finland or would it be more advantageous to buy a house with a sauna? I don't like luxury at all, so I couldn't live in a big house with a pool, jacuzzi, even if it was offered to me, even if I was a businessman. I would go crazy when I saw the energy bills 😱 (heart attack) 🤯🫀💔😵 No matter how much money I have, I act like I don't have that money. Many would say that I am a very greedy and stingy person. It would be common sense for them to speak for themselves and on their money. I like to invest in long-term projects. We live in uncertain times and it's much wiser to allow yourself to reserve for "gloomy" days such as wars, pandemics, other calamities, or I can allocate, for example, from my deposit, money to travel, study, retrain, or buy tickets to a rock concert, and more. In conclusion : small HOUSE = GREEN LIFE. Swedish "LAGOM" & Danish "HYGGE" 😀 😉👍 What would be the Finnish equivalent for these two? Have a nice (satur)day !