A recent study by the VATT Institute for Economic Research sheds light on an interesting phenomenon in the housing market: Selling an apartment at a loss feels so unpleasant that it slows down the mobility of Finnish households. In addition to high purchase and selling costs, migration is hindered by nominal loss aversion. This is…
Purchasing a home and selecting a residential area are based on your individual needs and desires. While immediate needs may be emphasized when choosing a location, it is also important to consider the long-term phenomena brought about by megatrends. Garantia picked out four essential points from Hypo’s recent Housing Credit Rating that a home buyer…
Buying a first home – How to choose your dream home and secure financing with Garantia’s mortgage guarantee Buying your first home is one of the biggest and most exciting steps in life. In addition to dreams, it often raises many questions, especially for first-time buyers. How do I know how to choose the right…
Your own home with Garantia’s mortgage guarantee Buying your own home is often one of life’s biggest dreams and most significant financial commitments. For many first-time buyers or families looking for a new home, Garantia’s mortgage guarantee can be the decisive factor that turns a dream into reality. But how exactly does a mortgage guarantee…
Garantia has been used in the purchase of over 100,000 Finnish homes. Many of us have friends, relatives, or colleagues who have used Garantia’s home loan guarantee when buying a home. However, there are many beliefs associated with home loan guarantees, and not all of them are true. For more detailed information about the product:…
Is it a good idea to buy your first home in 2025? This is a question that many ponder. The future is hard to predict, but it can be said that the current market situation seems favourable for first-time homebuyers if their personal finances are in order. Below are five different perspectives to support your…
Buying your first home involves a lot of consideration. Here are answers to some of the most common questions. Garantia’s partner banks and more information about the mortgage guarantee: Asuntolainatakaus.fi When to Start Loan Negotiations? Home searching can start with a loan consultation with the bank and the subsequent loan offer. Once you have a…
With a mortgage loan guarantee, you can purchase a home even without a down payment or additional collateral provided by your parents, for example. You can inquire directly at one of Garantia’s partner banks to find out if a mortgage guarantee is available for your mortgage loan. Garantia’s partner banks and more information about the…
If you are required to provide additional collateral for your mortgage loan, using Garantia’s guarantee may help you in achieving a quicker loan approval from your bank, as in this case the bank does not have to go through the tedious assessment and valuation process of an additional security, such as one given by your…
