Topic
Finances
Housing-company finances in plain language: maintenance and capital charges with reference numbers, the company loan and financing charge, and competitive tendering for maintenance and renovations.
5 guides
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Financing the PTS repairs: company loan, capitalization, or paying in one go — a board comparison guide
When the PTS forecasts the repairs, the board must decide how to finance them. A comparison of the company loan, the one-off project-share payment, and capitalization versus income recognition — clearly, and without tax advice.
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Finland's €110M energy renovation grant for housing companies (2026–2027): how boards should prepare
Finland has earmarked €110 million for energy renovation grants for residential buildings in 2026–2027. Applications are not open yet — here is what the government decided, what the draft decree proposes, and what a housing company board should do now.
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Company loan and capital charge from the shareholder's perspective: interest, amortisation and paying off your share
What a company loan and financing charge mean for shareholders: interest, amortisation, loan share, and how to pay it off. Choose your repayment method wisely.
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Competitive tendering for a housing company: how to tender maintenance, renovations and insurance
Competitive tendering saves money and raises quality. Learn how to write an RFQ, compare bids objectively, and make a well-documented decision.
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Maintenance charges in a housing company: care charge, capital charge and reference numbers
How maintenance charges work in a Finnish housing company: care charge, capital charge, charge bases, permanent reference numbers and payment reconciliation.
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