> Finances and insurance – Knowledge base > Lähde: https://huoneistokierros.fi/en/knowledge-base/topic/finances/ > Koko sivusto koneluettavana: https://huoneistokierros.fi/llms-full.txt Knowledge base # Finances and insurance Maintenance costs, repair backlog, charges, financing and insurance. Search articles - ![Children running around a tree in the courtyard of a block of flats](https://huoneistokierros.fi/_astro/sisapiha-lapset.BFiSA8j__1gFaU8.jpg) 20 September 2026 · 5 min read ## Housing company value: what you cannot see affects the price An apartment's value depends on the whole housing company: the building's condition, upcoming renovations, finances and information. How to assess it. - ![Green three-storey block of flats with a red tiled roof in summer evening light](https://huoneistokierros.fi/_astro/kerrostalo-vihrea.CTeHQKlu_X3qCL.jpg) 19 September 2026 · 7 min read ## Repair backlog in a housing company: what it is and how to spot it A repair backlog is not in the financial statements and is not the same as an upcoming renovation. How it builds up, how to spot it and what to ask. - ![Worried older couple going through bills at a laptop](https://huoneistokierros.fi/_astro/seniorit-laskut.DSVYdGSq_Z1j7T7E.jpg) 29 August 2026 · 9 min read ## Unpaid maintenance charges: what if a neighbour doesn't pay? A neighbour's unpaid charges do not pass to you, but arrears can weaken the housing company's finances. How collection and taking over an apartment work now. - ![Couple going through bills and papers at the kitchen table](https://huoneistokierros.fi/_astro/pariskunta-paperit.C_YRl-G6_Pw4SE.jpg) 28 August 2026 · 6 min read ## Checking invoices: when the same fault is billed again and again A correctly billed invoice can still reveal a recurring fault. How checking a housing company's invoices can also become a tool for managing maintenance. - ![Yellow block of flats with balconies and a spruce in the yard](https://huoneistokierros.fi/_astro/keltainen-kerrostalo.BMhGOPgy_1lflNI.jpg) 27 August 2026 · 6 min read ## Housing company financing: how does your company look to a bank? A bank assesses the housing company before granting a renovation loan. What lenders look at and how the board can prepare for financing needs in good time. - ![Spiral staircase of an apartment building seen from above](https://huoneistokierros.fi/_astro/kierreportaat.CH6OCPO7_2jmuAl.jpg) 31 July 2026 · 6 min read ## Can a housing company go bankrupt? 7 warning signs for the board A housing company can go bankrupt too. What the law says from 1 October 2026, how bankruptcy affects shareholders and how to spot the warning signs in time. - ![Blossoming tree in warm light in the courtyard of a block of flats](https://huoneistokierros.fi/_astro/sisapiha-kukkiva-puu.B40cAg3P_ZsGeVf.jpg) 28 July 2026 · 8 min read ## Good housing company management: running it like a business A housing company often manages assets worth millions. How responsibilities are divided, what the law requires of the board and what to learn from business. - ![Couple going through bills at the kitchen table](https://huoneistokierros.fi/_astro/pariskunta-laskut.D9AHLXPa_ZxHwGs.jpg) 22 July 2026 · 5 min read ## Housing company finances: do you know where your charge goes? The financial statements, budget and maintenance needs report show where a housing company's money goes. How to read them and ask the right questions. - ![Warm bathroom with a bathtub and a wooden vanity unit](https://huoneistokierros.fi/_astro/kylpyhuone-lampio.CtS_LE8w_1TLAuX.jpg) 18 July 2026 · 7 min read ## Housing company insurance: what it covers and what it doesn't Property insurance covers sudden damage, not wear and tear or neglected maintenance. How property and home insurance share the cost of damage. - ![Balcony overlooking an inner courtyard, with potted plants and chairs](https://huoneistokierros.fi/_astro/sisapiha-parveke.zqo4CpJO_2qnsT9.jpg) 8 July 2026 · 4 min read ## Balconies in a housing company: what to check and who is responsible A balcony is part of the building's structure and facade. What to check, who is responsible and why even a small crack should be investigated. - ![Snowy courtyard of a block of flats](https://huoneistokierros.fi/_astro/sisapiha-talvi.DuGBVOJZ_Z2ljWMw.jpg) 18 June 2026 · 5 min read ## Housing company costs: where money goes without anyone noticing Recurring minor repairs, hidden leaks and lost information push up housing company costs year after year. How the board can spot and tackle them. - ![Couple going through bills at the kitchen table](https://huoneistokierros.fi/_astro/pariskunta-laskut.D9AHLXPa_ZxHwGs.jpg) 7 June 2026 · 6 min read ## Housing company maintenance costs: what you pay for and what you get A maintenance contract's monthly fee says little about the service. What maintenance costs are made of and how the board can judge content and quality. - ![Laundry drying in the autumn courtyard of a block of flats](https://huoneistokierros.fi/_astro/sisapiha-pyykit.CxRPzYH8_Z1w97aG.jpg) 3 June 2026 · 3 min read ## The housing company yard: safety, responsibilities and annual check The yard is part of a housing company's planned maintenance. A checklist for paths, trees, lighting and rainwater, plus who is responsible for what. - ![Blossoming tree in warm light in the courtyard of a block of flats](https://huoneistokierros.fi/_astro/sisapiha-kukkiva-puu.B40cAg3P_ZsGeVf.jpg) 2 June 2026 · 4 min read ## The summer building check: ten things worth looking at Bright, snow-free months are the best time to check the roof, facade, balconies, rainwater drainage and yard. A checklist for the summer round. - ![Autumn street between blocks of flats](https://huoneistokierros.fi/_astro/syyskatu.yImPQHm1_1vXAJb.jpg) 22 May 2026 · 3 min read ## Why do maintenance charges rise and how can increases be curbed? The maintenance charge rises when a housing company's expenses grow. Common reasons, who decides on the charge and how preventive maintenance keeps costs down. Free assessment ## Let's plan the right round for your housing company Call us or send a contact request. The assessment and advice are free of charge. We can visit the property if needed. [Send a contact request](https://huoneistokierros.fi/en/contact/#kartoitus)[Call +358 10 666 9988](tel:+358106669988)