Ready-rented studio in Hämeenlinna city centre!, Hämeenlinna

Hämeenlinna:

Hämeenlinna is the regional capital of Kanta-Häme and Finland's 15th largest city. It has an estimated population of around 68,000 (2024), and according to Statistics Finland the population is expected to remain relatively stable in the coming years. Population forecasts estimate growth of 1–4% by 2040. Employment in Hämeenlinna is reasonably good. Major employers include the City of Hämeenlinna, the Kanta-Häme hospital district, the Defence Forces, and several industrial companies such as UPM-Kymmene and SSAB.

The city hosts Häme University of Applied Sciences (HAMK), with about 7,200 students, and several secondary and vocational institutions. Hämeenlinna lies centrally between Tampere and Helsinki. Many who work in the capital region or Tampere live in Hämeenlinna. Turku and Lahti are also within reasonable distance. Transport links are excellent: Tampere and Helsinki are easily reachable by train or motorway. The train to Helsinki takes about one hour. The central location makes the city attractive for both residents and businesses.

Micro location:

The property is located on Vuorikatu in the immediate vicinity of Hämeenlinna city centre, in the old Finnish barracks area, which has developed into a pleasant and sought-after residential neighbourhood. The Goodman shopping centre with its comprehensive services is only a couple of hundred metres away, and other city centre services are easily reachable on foot or by bike. The nearby area also offers excellent outdoor and recreational opportunities, making the location attractive for both tenants and owner-occupiers.

Apartment:

The apartment for sale is a 32.5 m² studio on the first floor. It has its own balcony, and the spacious studio suits a resident who values practicality and modern solutions. The kitchen is fitted with modern integrated appliances and the apartment includes a dishwasher and a washing machine connection. Modern surfaces, underfloor heating and a well-equipped bathroom make living easy and comfortable.

Housing company:

As Oy Hämeenlinnan Majuri is a housing company with its own plot, completed in 2017. The company consists of 24 apartments and 7 parking spaces. The housing company loan terms were updated on 1 Feb 2026. The loan is an annuity loan with an interest rate of 1.88% + 12-month Euribor, and the loan term ends on 18 Nov 2050. The financing charge includes both interest and principal repayments.

Rental income:

The apartment is let on an open-ended tenancy agreement starting 1 Apr 2026, with the earliest possible termination date being four months after the start of the tenancy. The rent is €670/month and the water advance is €25/person/month. The property's financing charge is €479.38, and the maintenance charge is €162.50. The cash flow is therefore €28.12 positive per month.

Why this property?

✅ Built 2017—like new, no renovation worries.

✅ Already rented

✅ Clearly positive cash flow, even though the financing charge includes both principal and interest 💰

✅ Modern fittings in the apartment

✅ The rental market in Hämeenlinna works very well

✅ The company loan that has been capitalised brings significant tax benefits to the investor ⚖️