Long-term maintenance plan (PTS) — financing cockpit

The PTS financing cockpit (/pts) is the board’s tool for turning the housing company’s maintenance plan (KPTS) into a multi-year funding view. The page is visible to the board only.

Find it in the left-hand Housing company menu under PTS.

PTS vs. KPTS — what is the difference?

	KPTS	PTS
Purpose	Statutory maintenance-needs assessment (AOYL 6:3), 5 years	Board’s internal funding plan, 3–30 years
Content	Planned measures and estimated costs	Cash-flow projection: reserve + contribution − spend
Obligation	Mandatory, filed to HTJ	Voluntary, no regulatory obligation
In VAREK	/kpts	/pts (reads the same plan)

The PTS page reads the same maintenance plan as KPTS — no separate data. Keep the KPTS measures and cost estimates up to date so the PTS projection stays accurate.

Funding assumptions

The board sets these values once per housing company:

Field	Description
Opening reserve (€)	The fund or bank balance today. VAREK suggests the most recently recorded bank balance, but the board confirms the figure.
Annual contribution (€)	Shared assumption for how much accrues to the reserve each year (e.g. maintenance fee earmark).
Horizon (years)	How many years to project (3–30).
Loan term (months)	Default value for the per-project loan model.
Loan rate (%)	Illustrative annual rate for loan modelling.
Amortisation method	Annuity or equal-principal.

Note

All figures are planning assumptions, not binding commitments. The PTS page is a board tool, not an official budget or financial statement.

Reserve runway view

The table shows for each year:

Column	Meaning
Reserve open	Opening balance for the year (first row = opening reserve)
+ Contribution	Annual contribution
− Planned spend	Total planned spend for the year, read from KPTS
Reserve close	Open + contribution − spend (may go negative)
Shortfall	How much the reserve falls short if the balance goes negative

Shortfall years are highlighted in red. A red dot at the left edge of the row marks years where planned spend exceeds the reserve.

KPI cards at the top of the page show:

• First shortfall year — when the fund is first exhausted
• Peak deficit (€) — the largest annual shortfall over the horizon
• Total planned spend (€) — the sum of all measures
• CSV download — the full table for a spreadsheet

Funding assumptions affect every number

Change the annual contribution or opening reserve → all year-end balances update immediately. Always confirm that the assumptions reflect the housing company’s actual situation before presenting the projection in a board meeting or general meeting.

AI cost hints (indicative)

For measures that do not yet have a cost estimate, the board can ask the AI for an indicative cost range for the building component. The hint appears as a euro range — e.g. “façade renovation typically €150 000–350 000 for a building of your size”.

These are not quotes

Cost hints are based on general construction cost data and do not replace a professional assessment or competitive tendering. Always run a tender before making a final decision. The board copies a hint into the cost estimate field at their own discretion.

Cost hints consume AI credits (like all other VAREK AI features) and require the ai_assistants plan feature.

Loan modelling per project

For each measure that has a cost estimate the board can open a loan model that calculates:

Monthly instalment total (€/mo)	First payment — annuity is level; equal-principal is highest at the start
Per apartment (€/mo)	Capital charge distributed across apartment count
Total interest (€)	Full-term interest cost
Total paid (€)	Principal + interest

The model uses the Funding assumptions defaults (term, rate, method), which can be adjusted per project.

Modelling is illustrative

Actual loan terms depend on the bank and the housing company’s creditworthiness. Use the model for comparing scenarios, not as a basis for contract negotiations.

Quick handoffs — procurement and company loan

From the PTS page, two buttons take you directly to other modules:

Procure button

Procure opens the selected project in /kilpailutus as a pre-filled renovation draft procurement request. The board adds suppliers, attachments and a deadline, then sends the requests. See Procurement for details.

Model company loan button

Model company loan carries the project’s loan assumptions over to the Company loan tab on /talous, pre-filled. The accountant finalises the loan before confirming. See Company loan for details.

AI scenario advisor

At the bottom of the page the AI scenario advisor reads the computed numbers and writes a Finnish-language funding recommendation for the board:

• In what year does the reserve first run out under current assumptions?
• How large an increase in the annual contribution would eliminate the shortfall?
• Which projects are worth considering for company-loan financing?

The advisor is anchored to the deterministic figures — it does not invent data. The narrative does not replace the accountant’s or property manager’s assessment and is not financial advice.

The advisor is cached: if assumptions or cost estimates change, the page shows a “Data changed” notice and the board can request an updated recommendation with one click.

The advisor consumes AI credits.

Who sees the PTS page?

• The board (board_admin and board_member) sees the page in full.
• Other members and shareholders cannot see the page — reserve and loan figures are board-level strategic information.

See also

• Maintenance plan (KPTS)
• Maintenance Plan — AI Draft
• HTJ filings
• Company loan
• Procurement