Perché l’alloggio è così conveniente in Finlandia?

Housing in Finland is not affordable. The thing here is that the prices have been really inflated for decades. Now that our economy is going to shit, the bubble has burst. And the prices are coming lower, to a less fucked up level.

It’s that simple.

edit:
As others have said, it really depends on location. In my bubble, I think capital area. I hear there’s really affordable housing too, just not very close to centers of big cities.

Plenty of apartment buildings owned by councils and non-profit organisations, like student unions. That’s the main reason imo.

It is not, naturally in big cities such Helsinki buying a house it cost you an eye, however, if you move to the countryside, maybe north savo country side you may find really cheap houses, even for 10k, but with a lot of work to do. Even that that areas are decreasing rapidly in population so nobody wants to move there.

At the end will be no difference between buying a house in Helsinki or Madrid.

!lock OP is karma farming

Housing prices should go up by ~3% in 2026

-Danskebank

They kinda hit the rock bottom this year, and I don’t think they went that deep to begin with. Maybe if you compare other countries. Bigger cities have expensive housing while in the country side you can get 100m2 house for under 40k

I kind of think it depends where you live. I’m in Jyväskylä and housing is very affordable here, to buy and to rent, compared to everywhere else in the world that I have lived. I have a good here, and those are hard to find these days.

It’s not. We’ve had the same problems that have started to rise in Europe for a while.

Houses in the middle of nowhere cost nothing, because there’s no jobs.

It’s not. It’s exactly because people can’t afford to buy new houses that the prices are stagnatimg and even falling.

There is a ton of houses on sale in smaller towns. The big cities might not be affordable, but the rest of the country is pretty cheap to buy a house in.

We build many apartments but don’t sell them

Because we sent moneys to other membercountries so they could inflate their housing market

It is just _rise_ of the prices and current prices cannot rise anymore, because it is already way too expensive.

Like some people have said, this just says how much housing prices have risen. That doesn’t mean housing is affordable. That being said, housing is still relatively more affordable than in many other European countries.

There are many reasons for this. One reason is the great divide between large growing cities and the rest of the country. But this is not the only reason.

Another big reason is that thanks to favorable zoning and near-zero interest rates of the 2010s (since variable rate mortgages are the norm in Finland), Finland has heavily invested in housing construction. More so than many other European countries. When there has been enough supply, prices haven’t increased as much as in other countries. Even in Helsinki (even though Helsinki is still an expensive city to live in).

And finally. While variable rate mortgages can be cheap when interest rates are low, they can become much more expensive than fixed rate mortgages when interest rates rise for some reason. This is what happened exactly after Russia attacked Ukraine and ECB raised interest rates to curb inflation. People were suddenly in trouble with their mortgages. And those who wanted to buy a home couldn’t get as good a mortgage as during near-zero interest rates. Demand for housing plummeted but supply was still there which caused housing prices to decrease. This at least partially skews Finland’s results in recent years, even though housing prices have still increased relatively moderately compared to other countries.

its always been expensive, thats why there isnt as dramatic of a rise