+6.8% over predicted

Kivijatatie 7 A 20

00940 · Kontula · Helsinki

Asking price
€168,481
€6,877/m²
Predicted
€157,725
€6,438/m²
Size
24.5 m²
1 room
Year
2026
Floor 4/5
Monthly fee
€385/mo
€146 maintenance + €239 capital · 2026-09-23
Gross yield
4.7%
vuokra-arvio · rent ÷ asking

Price comparison

How this unit prices vs. the model and the surrounding 00940 market.

Asking is 6.8% above predicted
Asking price
€168,481
€6,877/m²
Predicted price
€157,725
€6,438/m²
Implied premium
+€10,756
vs. model estimate

Where this listing sits in the market

00940 · asking vs. predicted €/m²
Asking €6,877/m²
Predicted €6,438/m²
€4,008/m² €6,657/m² (median asking price in this postcode) €9,973/m²

Recent quarterly €/m² trend · 00940

loading…
Postcode median €/m² This listing's asking €/m²

Market context

How this listing compares to recent activity in 00940 Kontula — actual sold prices, typical seller flexibility, and how long listings sit before they close.

Days on market
—
DOM not reported for this listing. Median for 00940: 116 days (n=84).
Typical negotiation in this postcode
-8.3%
Average sold-vs-asking gap across 58 matched sales in 00940. Implied close on this listing: €154,415.

Comparable realised sales · 00940

2 within ±30% size
Sold Size Asked Sold price €/m² vs ask
2025-09-20 31 m² €109,000 €90,000 €2,903 -17.4%
2025-05-16 31.5 m² €92,000 €85,000 €2,698 -7.6%

What the model considered

24 features · gradient-boosted regression

Predictions come from a non-linear XGBoost ensemble trained on a rolling 365-day window of Helsinki listings — not a postcode median with per-feature adjustments. Below are the values the model received for this unit, with each feature group's typical training-set importance.

Predicted
€157,725
€6,438/m²
Postcode reference
Median asking price in 00940 Kontula: €6,657/m² · this unit asks €6,877/m²
The median asking price of the listings still online in this postcode, after each postcode’s outliers are trimmed back to its interquartile fence. It is a reference, not a model input: the model reads its own training encoding of the postcode, which is clamped and can differ.
Floor area
24.5 m²
Very high
Room count
1 room
Very high
Postcode
00940 · Kontula (asking median €6,657/m²)
High
Condition
Good
High
Year built
2026
High
Pipe renovation
Not reported
High
Monthly fee
€385/mo
High
Floor in building
4 / 5
High
Land ownership
Leased plot
Moderate
Elevator
No
Moderate
Sauna
—
Moderate
Balcony
No
Moderate

Importance is the typical share of model gain attributed to each feature group across the training set. The actual contribution to this specific prediction would require running SHAP on the live model.

Pipe renovation

Linjasaneeraus is the largest building-system replacement a Helsinki housing company performs — typical cost €25–55k per unit and often shifts the asking price.

Pipe renovation status not reported

We couldn't parse a clear status from the listing text. Verify with the seller.

Building & title

Quick reference for things that move the price beyond size and location.

Apartment

Floor
4 / 5
Condition
Good
Energy class
—
Balcony
No
Sauna
—

Building

Year built
2026
Total floors
5
Elevator
No

Title

Land
Leased plot
Pre-emption
Not reported

Deal economics

What you actually pay, what a realistic close looks like, and what a buyer can expect to earn from rent.

Selling price
€75,816
myyntihinta — paid to seller
+
Debt share
€92,665
lainaosuus — co-op loan
=
Debt-free price
€168,481
velaton hinta — true total cost
Cash at signing · assume the loan€
Selling price €75,816
Transfer tax (1.5%) · on debt-free €2,527
Admin / drafting fee (est.) €380
Cash needed €78,723

You take over the housing company's loan share and service it via the monthly capital fee (rahoitusvastike).

Cash at signing · pay off the loan€
Debt-free price €168,481
Transfer tax (1.5%) €2,527
Admin / drafting fee (est.) €380
Cash needed €171,388

You pay the loan share upfront — the monthly capital fee disappears, only the maintenance fee remains.

Realistic close estimate. Sales in 00940 settle 8.3% off ask on average (58 matched sales). At that rate, this listing closes near €154,415 (cash incl. tax + admin: €157,112).
Estimated monthly rent
€653
€556–€731 · vuokra-arvio.fi
Gross yield
4.7%
estimated rent ÷ asking
Implied annual rent
€7,836
estimate × 12
Refine the rent estimate on vuokra-arvio.fi → Property-specific rent model, accounts for furnishing, amenities, and floor.

Mortgage estimate

Quick estimate of monthly principal + interest. Move the sliders for your situation.

20% · €—
4.0%
25 years
Loan amount
€—
debt-free price minus down payment
Monthly principal + interest
€—
plus housing-company fee €— all-in
Total interest paid
€—
over the full term

Illustrative only. Real offers depend on your credit, ECB / Euribor at draw-down, and the bank's margin.

← Back to Finder · 00940