Heimer

See how the housing company is doing before you make an offer.

The debt share, the monthly charges and upcoming renovations, from the company’s papers. Plus what the flat costs you each month.

Example · Kupittaankatu 76

Turku · 3 rooms · 62.5 m² · built 1969

1 395€/mo

Within budget even at 7% interest

  • Facade and balcony renovation in 2029-2030 Housing company papers 18 000-26 000 €
  • Financing charge and lump-sum payoff Housing company papers
  • Asbestos survey is partial Housing company papers
15 things to check

How the housing company is doing.

Loans and pipe renovation, from the financial statements and the manager’s certificate.

Sound finances

Stable association, a few figures worth a closer look

  • Pipe replacement Done 2018
  • Debt trend Debt is falling

What we found beyond the listing.

We look further in 6 sources, from the municipality to sold homes.

  • The plot is owned, not rented Property listings
  • Heating source reported differently Property listings
  • Pipe renovation year 2017-2018 in portals Property listings

What it costs every month.

Interest, repayment and the monthly charge (vastike). With the example’s loan and budget.

1 395€/mo

  • Interest271
  • Repayment328
  • Charge653
  • Running costs143
  • Within budget even at 7% interest
  • 20 000 € higher price: +122 €/mo

Mortgage 98 461 €. You change the rate and price yourself in the app.

Buying with someone?

Invite the person you are buying with. You see the same homes, rate them separately and work out each commute.

  • AinoGood Good layout and the pipes are done. The facade renovation has to go into the budget.
  • MikkoGood A lift and close to the centre. Want to see the general meeting minutes.

Near the home

  • 100 mPublic transit
  • 340 mGrocery
  • 110 mSchool

The questions for the agent and the property manager, ready to copy.

  1. 1Ask the property manager when the next lump-sum payoff is possible and how much interest it saves.
  2. 2Ask for the minutes of the last two general meetings before you offer.
  3. 3If you renovate the flat, have an asbestos survey done first.

+ 4 more questions

Read for you.

5 documents and 6 sources in the example

  • Condition inspection
  • Financial statements
  • Articles
  • The listing
  • Property listings
  • News
  • The municipality
  • Government agency
  • Company register

What we could not find online

  • Sales history for this apartment
  • Completed sales in the same building or street over the last 24 months
  • Company loans, trend of the financial charge, and company financial statements

Analyse every home you are considering.

Paste the listing and see what you get before you pay.

Heimer PlusRecommended

54.99 €/mo

  • 10 analyses a month, 5.50 € per home
  • Shared with the person you buy with
  • Cancel once you have found one

One analysis

27.99 €once

  • Before a viewing or bid
  • No subscription

Searching for a while? Heimer Max, 89.99 €/mo for 25 analyses.

Not happy with a single analysis? You get your money back.

Good to know

What does Heimer cost?

Heimer Plus costs 54,99 € a month for ten analyses, Heimer Max 89,99 € for 25. A single analysis costs 27,99 €. Prices include tax and cover your household. The subscription renews monthly until you cancel, and unused analyses do not carry over. Saving homes and notes is free. Saved homes and completed analyses remain available.

What does the analysis read?

The listing and the documents available, such as the condition inspection (kuntotarkastus), the manager’s certificate (isännöitsijäntodistus) and the financial statements. Then sources online, such as the municipality’s plans and sold homes nearby. What could not be found is listed too, so you know what to ask about.

Does it replace a survey?

No. Heimer shows what to check and ask about, and when a survey is worth the money.

Do you find the housing company’s loans?

Yes, when the financial statements or the manager’s certificate are available. We work out the debt share and the charges and show what is normal. If the figures are missing, we say so and what to ask for.

Do I need an account?

No signup is needed. You enter your email at checkout and receive a link to the analysis. It starts right after your purchase.

What if the analysis turns out poor?

Tell us at the bottom of the analysis and we try to run it again. If you are not happy with a single analysis, email us within 14 days and you get your money back.

Which listing sites work?

Oikotie and Etuovi work, plus most agents’ listing pages. Paste the link to the listing.

Buying a house? See the house.

Read on

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Example analysis

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