Paying your real estate tax
- Tax Administration bank account numbers for real estate tax have changed from last year
- Use your new personal reference number for real estate tax
- Do not use old payment templates when you pay real estate tax
- The e-bank has re-directed my payment to your OP account. Will you receive it?
If you pay real estate tax with incorrect payment details, the tax does not necessarily get paid by the due date. Overdue real estate tax accrues late-payment interest.
Real estate tax must be paid by the party who owns the real estate unit on 1 January 2020. Read more about changes and unclear circumstances in ownership and possession.
How do I pay real estate tax?
The bank transfer forms for the payment of real estate tax are enclosed with your real estate tax decision. The decision also states the due dates for payment.
You can pay your real estate tax in the following ways:
- Pay the tax in MyTax. Reference numbers and other payment details are automatically included in your e-bank payment.
- Request an e-invoice. Contact your bank at least three weeks before the due date to agree on e-invoicing or direct payments. You will receive the e-invoice in your e-bank approximately two weeks before the due date. Read more about e-invoicing.
- Pay the tax in your e-bank. Remember to include all the payment details stated on the bank transfer forms and in MyTax. These include the bank account number, the amount of real estate tax, and the due date. Please note! You must use your own personal reference number when paying your own real estate tax. You cannot use your spouse’s or anyone else’s reference number.
Direct payment is also available for individual taxpayers. Direct payment is for individuals who do not use e-banking services.
Due dates for real estate tax in 2020
Starting in 2020, the annual assessment of real estate tax ends at different times for different people. Different taxpayers will therefore have different due dates for real estate tax.
Check your personal due dates and payment information in the spring of 2020 in MyTax or in your real estate tax decision.
For most property owners, the due dates for real estate tax are in August and October or in September and November. The tax is paid in two instalments if the amount is €170 or more. Real estate tax assessment is completed for all taxpayers on 31 October at the latest. The final due dates are therefore in December and February.
- The due date for the first instalment of real estate tax is on the 6th day of the second month following the month in which the tax assessment was completed.
- The due date for the second instalment of real estate tax is on the 6th day of the fourth month following the month in which the tax assessment was completed.
- If the 6th day is not a business day, the due date is postponed until the next business day.
|End month of real estate tax assessment||Due date for first instalment of real estate taxes||Due date for second instalment of real estate taxes|
|May (business and corporations only)||6 July 2020||7 September 2020|
|June||6 August 2020||6 October 2020|
|July||7 September 2020||6 November 2020|
|August||6 October 2020||7 December 2020|
|September||6 November 2020||7 January 2021|
|October||7 December 2020||8 February 2021|
If you or your spouse have made changes to your real estate information, wait for a new decision on real estate tax before making the payment. You will receive the new decision by the end of October.
If you changed your real estate information, wait for a new tax decision
If you or your spouse have made changes to your real estate information, your due dates for real estate tax will change. The amount of real estate tax may change as well.
Please wait for a new real estate tax decision and new payment details before paying your real estate tax. We will send you a new tax decision with revised payment details by the end of October. The new tax decision may arrive after the original due date has passed.
Starting in the spring of 2020, you can see in MyTax if your tax return is still being processed or if you have already received the new decision.
We will receive your payment even if the e-bank service has re-directed it to our OP bank account. The OP bank account is valid until 30 November 2020.
The OP bank account number is missing from the bank form because the agreement with OP expires on 30 November 2020. The OP bank account numbers will be removed from the Tax Administration decisions and letters during the year.
When you make a payment in the online bank, the service may still automatically direct the payment to the Tax Administration’s OP bank account, even if you have entered the Tax Administration’s Nordea or Danske Bank account number.
You can make payments to our OP bank account until 30 November 2020. Make sure you remove the OP bank account number from your e-bank payment templates as of 1 December 2020.
Instructions for payment of different tax types Paying taxes – individuals
If you received a tax refund on 4 August or will receive a refund on 4 September, the refund will not be used on your real estate tax on the due date. Pay the real estate tax normally by the due date.
Please pay the real estate tax again. The amount was probably returned to you because you entered our old bank account number stated in your tax decision or payment reminder, or used an old payment template in your online bank. Our bank account numbers for real estate tax changed in November 2019. You can find the up-to-date payment details in MyTax and in the summary of your unpaid taxes.
Remember that overdue real estate tax accrues late-payment interest until it is paid. You can pay the tax in MyTax, where the payment details are automatically pre-completed correctly and the late-payment interest has been calculated for you based on the amount of tax. If you pay the tax in your online bank, calculate the interest with the interest calculator on tax.fi and add it to the amount of tax as you pay.
If you accidentally paid the first instalment of the tax twice, the extra payment will be used on the second instalment.
If you have only one instalment to pay and you have accidentally paid it twice, we will return the extra amount to you, unless you have other overdue taxes or debts in enforcement. Check or submit your bank account number in MyTax.
If you pay your spouse’s real estate tax, make sure to use their reference number for real estate tax, not your own. You can find the necessary details on the bank transfer form enclosed with the real estate tax decision and in MyTax.
You can use the reference number for real estate tax indicated on your own tax decision only to pay your own real estate tax. If you use a wrong reference number to pay your spouse’s real estate tax and the payment therefore arrives late, you must pay late-payment interest in addition to the tax. Read more: If you pay real estate tax late
If you paid the first instalment of your real estate tax before the due date and then received a new decision where
- the tax amount is lower than in the original decision, we will return the excess payment to you, unless you have other overdue taxes or debts in enforcement.
- the tax amount is higher than in the decision you received in the spring, you must pay the still unpaid amount by the due date. Use the reference number of the first instalment.
Yes, you can. When you make a payment using the reference number for real estate tax, the payment is allocated to your overdue and upcoming instalments of real estate tax in the order of due dates.
Note: The Tax Administration’s telephone service can be contacted at 029 497 026 (standard call rates apply) in matters concerning payments and refunds, and at 029 497 020 (standard call rates) in matters concerning amounts of real estate tax.