−6.5% under predicted ● Offline

Uudenmaankatu 13

00120 · KamppiUudenmaankatu 13 · Helsinki

Selling price
€500,000
€6,658/m²
Predicted
€534,532
€7,118/m²
Size
75.1 m²
2 rooms
Year
1914
Floor 2/5
Monthly fee
€597/mo
total housing co-op fee
Gross yield
3.7%
rent ÷ asking

Price comparison

How this unit prices vs. the model and the surrounding 00120 market.

Asking is 6.5% below predicted
Asking price
€500,000
€6,658/m²
Predicted price
€534,532
€7,118/m²
Implied savings
−€34,532
vs. model estimate

Where this listing sits in the market

00120 · asking vs. predicted €/m²
Asking €6,658/m²
Predicted €7,118/m²
€4,979/m² €7,660/m² (postcode median) €11,107/m²

Recent quarterly €/m² trend · 00120

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

Market context

How this listing compares to recent activity in 00120 KamppiUudenmaankatu 13 — actual sold prices, typical seller flexibility, and how long listings sit before they close.

Days on market
166 days
Median for 00120: 166 days (n=122).
Typical negotiation in this postcode
-8.2%
Average sold-vs-asking gap across 30 matched sales in 00120. Implied close on this listing: €458,810.

Comparable realised sales · 00120

8 matched within ±30% size
Sold Size Asked Sold price €/m² vs ask
2026-02-09 75.5 m² €570,000 €470,000 €6,225 -17.5%
2025-12-17 70.5 m² €695,000 €550,000 €7,801 -20.9%
2025-11-26 64 m² €498,000 €436,500 €6,820 -12.3%
2025-11-26 63 m² €598,000 €570,000 €9,048 -4.7%
2025-10-18 69.6 m² €539,000 €513,728 €7,381 -4.7%
2025-10-18 78 m² €635,000 €610,000 €7,821 -3.9%
2025-09-20 102 m² €1,118,000 €1,054,000 €10,333 -5.7%
2025-09-20 54 m² €379,000 €355,000 €6,574 -6.3%

Matched against ARA realised-sale records within the same postcode and ±30% of this unit's size, sorted by sale date.

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
€534,532
€7,118/m²
Postcode reference
Median in 00120 KamppiUudenmaankatu 13: €7,660/m² · this unit asks €6,658/m²
Postcode median is one of 24 inputs (~12% of model importance) — not a baseline that adjustments are layered on.
Floor area
75.1 m²
Very high
Room count
2 rooms
Very high
Postcode
00120 · KamppiUudenmaankatu 13 (median €7,660/m²)
High
Condition
Satisfactory
High
Year built
1914
High
Pipe renovation
Completed 2011
High
Maintenance fee
€597/mo
High
Floor in building
2 / 5
High
Land ownership
Own plot
Moderate
Elevator
Yes
Moderate
Sauna
No
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 completed 2011

No imminent assessment expected; the cost is already absorbed into the asking price.

Building & title

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

Apartment

Floor
2 / 5
Condition
Satisfactory
Energy class
E
Balcony
No
Sauna
No

Building

Year built
1914
Total floors
5
Elevator
Yes

Title

Land
Own 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
€485,825
myyntihinta — paid to seller
+
Debt share
€14,175
lainaosuus — co-op loan
=
Debt-free price
€500,000
velaton hinta — true total cost
Cash at signing · assume the loan
Selling price €485,825
Transfer tax (1.5%) · on debt-free €7,500
Admin / drafting fee (est.) €380
Cash needed €493,705

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 €500,000
Transfer tax (1.5%) €7,500
Admin / drafting fee (est.) €380
Cash needed €507,880

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

Realistic close estimate. Sales in 00120 settle 8.2% off ask on average (30 matched sales). At that rate, this listing closes near €458,810 (cash incl. tax + admin: €466,072).
Gross yield
3.7%
rent ÷ asking
Implied annual rent
€18,600
back-computed from yield
Implied monthly rent
€1,550
annual ÷ 12

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.

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