−10.5% under predicted ● Online

Pekanraitti 4

00700 · Helsinki

Selling price
€89,000
€2,618/m²
Predicted
€99,441
€2,925/m²
Size
34 m²
1 room
Year
1980
Floor 2/3
Monthly fee
€271/mo
total housing co-op fee
Gross yield
rent ÷ asking

Price comparison

How this unit prices vs. the model and the surrounding 00700 market.

Asking is 10.5% below predicted
Asking price
€89,000
€2,618/m²
Predicted price
€99,441
€2,925/m²
Implied savings
−€10,441
vs. model estimate

Where this listing sits in the market

00700 · asking vs. predicted €/m²
Asking €2,618/m²
Predicted €2,925/m²
€1,985/m² €3,053/m² (postcode median) €4,427/m²

Recent quarterly €/m² trend · 00700

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

Market context

How this listing compares to recent activity in 00700 — actual sold prices, typical seller flexibility, and how long listings sit before they close.

Days on market
33 days
Median for 00700: 166 days (n=153). Fresh — seller likely firmer.
Typical negotiation in this postcode
-6.7%
Average sold-vs-asking gap across 21 matched sales in 00700. Implied close on this listing: €83,071.

Comparable realised sales · 00700

4 matched within ±30% size
Sold Size Asked Sold price €/m² vs ask
2025-12-17 46 m² €119,000 €97,000 €2,109 -18.5%
2025-11-26 28 m² €105,000 €103,000 €3,679 -1.9%
2025-11-26 43.5 m² €199,000 €189,000 €4,345 -5.0%
2025-05-16 37.5 m² €149,000 €132,000 €3,520 -11.4%

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
€99,441
€2,925/m²
Postcode reference
Median in 00700: €3,053/m² · this unit asks €2,618/m²
Postcode median is one of 24 inputs (~12% of model importance) — not a baseline that adjustments are layered on.
Floor area
34.0 m²
Very high
Room count
1 room
Very high
Postcode
00700 (median €3,053/m²)
High
Condition
Satisfactory
High
Year built
1980
High
Pipe renovation
Not reported
High
Maintenance fee
€271/mo
High
Floor in building
2 / 3
High
Land ownership
Leased 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
2 / 3
Condition
Satisfactory
Energy class
Balcony
No
Sauna
No

Building

Year built
1980
Total floors
3
Elevator
Yes

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
€85,871
myyntihinta — paid to seller
+
Debt share
€3,129
lainaosuus — co-op loan
=
Debt-free price
€89,000
velaton hinta — true total cost
Cash at signing · assume the loan
Selling price €85,871
Transfer tax (1.5%) · on debt-free €1,335
Admin / drafting fee (est.) €380
Cash needed €87,586

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 €89,000
Transfer tax (1.5%) €1,335
Admin / drafting fee (est.) €380
Cash needed €90,715

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

Realistic close estimate. Sales in 00700 settle 6.7% off ask on average (21 matched sales). At that rate, this listing closes near €83,071 (cash incl. tax + admin: €84,697).
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.

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