Fully leased two-room apartment in a prime location in Lahti with a rental yield of 6.12%
A fully furnished two-room apartment in a well-maintained housing company is now for sale! The company has renovated its water supply system in 2005 and its facades in 2011, among other things.
Debt-free price €89,000
Selling price €86,761.42
Cash flow / month 424
Rental income 6.12
Information about the apartment
| Address | Niemenkatu 1 |
|---|---|
| Apartment | A 8 |
| Type | 2h + k |
| Area | 49m2 |
| Rent | 650 € |
| Maintenance fee | 196 € |
| Financial compensation | 30 € |
| Debt ratio | 2 238,58 € |
| Status |
Free
|
Fully rented two-room apartment in a central location in Lahti with a yield of 6.12%
- Fully furnished apartment, long-term tenant
- The building has been well maintained, with water pipes replaced in 2005 and the facade renovated in 2011.
- Perfect location, only about a kilometer from the city center and just two kilometers from the university and polytechnic campuses.
- Apartment 6.12% rental yield, cash flow €424.00
- Return on equity up to 13.39% and cash flow up to €108.00/month with 70% financing*
*Loan calculated based on a 20-year loan period and a total interest rate of 3%. The equity requirement is €26,700 and the loan repayment including interest is €346.00/month in this calculation. Cash flow is calculated using the formula rent − maintenance charge − loan repayment = €108.00/month.
Basic information about the housing company
- Name of housing company:Asunto Oy Niemenkatu 1
- Property ID:398-004-4187-0001
- Land ownership:Own
- Planning situation:Local detailed plan
- Year of completion:1975
- Year of commissioning:1975
- Building and surface materials:Concrete
- Roof type:Gabled roof
- Roofing material:Felt
- Heating system:District heating
- Ventilation:Mechanical extraction
- Elevator:Yes
- Sauna in the building:Yes
- The building has:Outdoor equipment storage, laundry room, drying room, utility basement, and storage rooms.
- Yardparking spaces:18
- Energy class:D2018
- Validity period of the energy certificate:13.09.2028
- Maintenance needs assessment completed:2025
- Asbestos survey:The property was completed before 1994, and no asbestos survey has been conducted.
- Number of residential units (units):30
- Total floor area of residential units:1,596 m²
- Loans for the housing company:€80,628.87
- Date of the housing company's loan:October 31, 2025
Renovations carried out in the housing company
- 2005 – Renovation of the domestic water system, replacement of the roof covering
- 2009 – Lock renewal (Exec)
- 2011 – Facade, balcony, and window/exterior door work, replacement of parking lot lighting
- 2014 – Replacement of car charging stations and poles
- 2015 – Replacement of roof fans, cleaning and adjustment of ventilation ducts
- 2016 – Replacement of stairwell lighting
- 2019 – Apartment-specific water meters, replacement of automatic door openers
- 2022 – Replacement of the evaporator in the cold storage room
- 2023 – 10-year inspection of civil defense shelter, replacement of elevator
- 2024 – Replacement of fire alarms in all apartments, replacement of heat pump and domestic water transfer unit, cleaning, measurement, and adjustment of ventilation ducts
Future maintenance needs (over the next 5 years)
- Renewal of apartment summers
- Roof condition inspection
- Heating balancing
You can find more detailed information and materials about the housing company here.
Pictures of the apartment
Floor plan of the apartment
Apartment condition points
| Average condition score for the apartment | 3,3 |
|---|---|
| Average surface area of apartment | 4 |
| Average condition of the kitchen | 3,5 |
| Average condition of bathrooms | 2,5 |
| Description | Condition | Impact on re-renting |
| 1 | Broken and requires immediate replacement or repair. | This will likely affect re-renting. |
| 2 | Clear signs of wear, but still usable. | May affect re-renting. |
| 3 | In habitable condition and meets the tenant's needs. | Unlikely to affect re-rental. |
| 4 | Very neat and in good condition. | Unlikely to affect re-rental. |
| 5 | In new condition. | Does not affect re-renting. |
The condition scores for each living space are averages based on detailed condition scores for the different rooms in the apartment. Check out the detailed condition scores for the apartment in the apartment materials!
Location of the destination on the map
Lahti as an investment city
Lahti – A dynamic investment city in the heart of growing Southern Finland
Lahti, Finland's eighth largest city, is a lively and developing center that offers diverse opportunities for residential investors. With a population of over 120,000, the urban area provides a solid foundation for housing demand, and Lahti's location in the middle of Southern Finland's growth corridor reinforces its position as an attractive investment destination. The city's diverse services, strong industrial heritage, and investments in green technology make it a unique combination of tradition and future prospects.
Why choose Lahti for real estate investment?
Lahti is a city that leaves no one cold. Its excellent transport connections to Helsinki and elsewhere in Finland make it an ideal location for both work and leisure. The city's continuous development is reflected in the emergence of new residential areas, businesses, and services, which creates a stable foundation for housing demand and rental income. Lahti is also known for its active cultural and sporting life, which attracts residents and increases the city's appeal. Lahti's affordable housing offers a wide range of options, from new developments to renovated apartments, so every investor is sure to find a property that suits their budget and goals. Lahti is a city that pulsates with life and offers real estate investors the opportunity to be part of its success story.
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Kalle Lax
Aarne Urvas
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