The SECRET Form of Housing in Finland No One Talks About

[@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!

[@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!

[@finmahfuz]

Informative. Thank you for sharing this ♥️

[@AleksiHimself]

Glad it was helpful!

[@geoptus]

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

[@AleksiHimself]

Glad you enjoyed it

[@gambit_toys6554]

Kiitos paljon Aleksi

[@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.

[@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!

[@Aidan_Au]

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

[@davidrivera5720]

For how long I need to pay the montlhy residence charge?

[@AleksiHimself]

As long as you own it.

[@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

[@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!

[@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.

[@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.

[@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??

[@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.

[@kechimonye474]

Kiitos

[@Mihai_EURO91]

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 !

[@Kot-n8m]

Why Government want to cancel it next year ?

[@AleksiHimself]

I actually did not know this. It seems it's too expensive for the government to maintain the system.

[@Kot-n8m]

@@AleksiHimself thanks for answering Aleksi, how you solve the housing problem? Do you rent? Which municipalities are not overpriced yet to your opinion? I am thinking about Lohja/Vihti, even Rovaniemi Uusima should continue to grow and RVN shows increasing tourist flow and military infrastructure It seems that in the nearest future it will be a privilege to be an owner. Common welfare state is dying

[@teekoo939]

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

[@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.

[@Jaslittleflower]

Hi, Can immigrants get ASO homes or only Finns?

[@AleksiHimself]

Yes they can.

[@AleksiHimself]

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

[@pritammalakar5904]

♥️♥️♥️♥️

[@coopsnz1]

how this beter than owning a home it not lefty

[@romyardianto5723]

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

[@coopsnz1]

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

[@coopsnz1]

it not home ownership i pass

[@vancouver4sure]

Kittos

[@DrEvilMiniMi374]

Im sorry but this shit is just unbeliavable. Dude whyyyyy are you recommending people to do that 🤦‍♂ only benefit i see is “owner has no right to terminate contract” … be honest… is that something you need to worry in Finland?

[@AleksiHimself]

Not sure what you mean. The significant benefits are that you don't need to worry about renovations and get back the ASO payment adjusted with the construction index.

[@DrEvilMiniMi374]

@@AleksiHimself i mean: you buy aso share with (lets say) 40k. What does that give you when you still have to pay rent, tho bit lower but rent payment is still there… isnt it? Correct me if im wrong but I just cant see any benefits… feels like scam of a life time cos you DONT OWN that appartment, that 40k payment gives you ”illusion” of ownership.