omakoti or rivitalo suggestion needed

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FinlandGirl
Posts: 341
Joined: Sat Nov 09, 2019 10:43 am

Re: omakoti or rivitalo suggestion needed

Post by FinlandGirl » Tue Feb 25, 2020 9:57 am

finlandapua wrote:
Tue Feb 25, 2020 4:10 am
Why would anyone buy rivitalo instead of an oma koti?
It is also a lifestyle question:
In an own house with garden there is always something that needs fixing or a lawn that needs mowing. Is this fun or burden for you?
In an apartment the housing company takes care of everything.



Re: omakoti or rivitalo suggestion needed

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riku2
Posts: 927
Joined: Tue Jul 08, 2008 10:13 pm

Re: omakoti or rivitalo suggestion needed

Post by riku2 » Tue Feb 25, 2020 11:07 am

In an own house with garden there is always something that needs fixing or a lawn that needs mowing. Is this fun or burden for you?
In an apartment the housing company takes care of everything.
You are another person mixing up the construction type (house / apartment (flat) / rivitalo (terraced house) ) and the method of ownership (is the house part of a "housing company" where the housing company takes care of everything).

search in etuovi and you will find the category "erilistalo" which is an omakoti talo (with your "own house with a garden") that is part of a housing company. you must choose the "FI" version of etuovi though, their english language site translates erilistalo as "separate house" and omakotitalo as "detached house" which is nonsense but there is no simple way to describe a "detached house that is part of a housing company"

https://old.etuovi.com/itempage/n68478? ... 2934&pos=3 looks like a detached house in a housing company
https://old.etuovi.com/itempage/9875735 ... 2934&pos=4 another detached house in a housing company (they specifically mention the snow work is done for you).
There are another 500 or more houses of this type on sale - a minority I know but detached houses can be in housing companies. This type is invariably built close to other houses though, since they normally exist because a builder built a group of detached houses rather than being individually commissioned like most detached houses in Finland are.

finlandapua
Posts: 9
Joined: Wed Sep 11, 2019 8:04 am

Re: omakoti or rivitalo suggestion needed

Post by finlandapua » Tue Feb 25, 2020 1:33 pm

tavastia wrote:
Tue Feb 25, 2020 5:28 am
+ note for omakotitalo the land is rented, rent is quite small but lower the value of the house.

Also wooden house from 1967, you need to be very careful with that.
why careful with wooden construction?
if the land is rented is it risky to buy the house , can land owner say no more lease?
thanks

finlandapua
Posts: 9
Joined: Wed Sep 11, 2019 8:04 am

Re: omakoti or rivitalo suggestion needed

Post by finlandapua » Tue Feb 25, 2020 1:39 pm

tavastia wrote:
Tue Feb 25, 2020 5:26 am
Rivitalo maintenance costs includes also insurances for the buildings itself, common areas maintenance, and cost is 330€. They did some repairs and there is a loan to-be paid back for maintenance company (rahoitusvastike)
thank you.

so in rivitalo maintenance costs includes also insurances. does this mean that if a mold effected all the houses in the row. The insurance will cover it. Or if a neighbors pipe leaked and we are all effected we don't have to pay for fixes.

But in omakoti anything like this one have to pay from his pocket.

Upphew
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Re: omakoti or rivitalo suggestion needed

Post by Upphew » Tue Feb 25, 2020 3:26 pm

finlandapua wrote:
Tue Feb 25, 2020 1:39 pm
tavastia wrote:
Tue Feb 25, 2020 5:26 am
Rivitalo maintenance costs includes also insurances for the buildings itself, common areas maintenance, and cost is 330€. They did some repairs and there is a loan to-be paid back for maintenance company (rahoitusvastike)
thank you.

so in rivitalo maintenance costs includes also insurances. does this mean that if a mold effected all the houses in the row. The insurance will cover it. Or if a neighbors pipe leaked and we are all effected we don't have to pay for fixes.

But in omakoti anything like this one have to pay from his pocket.
Yup. When you are the lord of the house, you take care of all things.

You most likely will pay for fixes as fixing things after pipe burst or mold was found, the result is better than it was before the accident, so the insurance won't pay it fully.
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betelgeuse
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Re: omakoti or rivitalo suggestion needed

Post by betelgeuse » Tue Feb 25, 2020 4:32 pm

finlandapua wrote:
Tue Feb 25, 2020 1:33 pm
if the land is rented is it risky to buy the house , can land owner say no more lease?
Usually yes. Whenever buying on leased land, you need to fully understand the lease.


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