How this unit prices vs. the model and the surrounding 00990 market.
Asking is 12.7% below predicted
Asking price
€148,000
€5,103/m²
Predicted price
€169,452
€5,843/m²
Implied savings
−€21,452
vs. model estimate
Where this listing sits in the market
00990 · asking vs. predicted €/m²
Asking €5,103/m²
Predicted €5,843/m²
€2,975/m²€4,576/m² (postcode median)€6,636/m²
Recent quarterly €/m² trend · 00990
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Postcode median €/m²This listing's asking €/m²
Market context
How this listing compares to recent activity in 00990 — actual sold prices, typical seller flexibility, and how long listings sit before they close.
Days on market
33 days
Median for 00990: 166 days (n=225).
Fresh — seller likely firmer.
Typical negotiation in this postcode
-10.8%
Average sold-vs-asking gap across 7 matched sales in 00990.
Implied close on this listing: €132,042.
Price changes during this listing
2026-04-23
€120,000
→€148,000
+23.3%
(+28,000 €)
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
€169,452
€5,843/m²
Postcode reference
Median in 00990: €4,576/m²
· this unit asks €5,103/m²
Postcode median is one of 24 inputs (~12% of model importance) — not a baseline that adjustments are layered on.
Floor area
29.0 m²
Very high
Room count
1 room
Very high
Postcode
00990 (median €4,576/m²)
High
Condition
Good
High
Year built
2003
High
Pipe renovation
Not reported
High
Maintenance fee
€137/mo
High
Floor in building
5 / 6
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.
No pipe renovation reported
The listing doesn't mention a recent or planned renovation. Check the housing-company report (isännöitsijäntodistus) for confirmation.
Building & title
Quick reference for things that move the price beyond size and location.
Apartment
Floor
5 / 6
Condition
Good
Energy class
—
Balcony
No
Sauna
No
Building
Year built
2003
Total floors
6
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.
Cash at signing
€
Selling price
€148,000
Transfer tax (1.5%)
€1,800
Admin / drafting fee (est.)
€380
Cash needed
€150,180
Monthly running costs
€/mo
Total housing-company fee
€137
Implied annual
€1,646
Realistic close estimate.
Sales in 00990 settle
10.8% off ask
on average (7 matched sales).
At that rate, this listing closes near
€132,042
(cash incl. tax + admin: €134,403).
Gross yield
—
rent ÷ asking
Implied annual rent
—
back-computed from yield
Implied monthly rent
—
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.