The Finnish-language search on the website is currently not working. We apologise for any inconvenience.

Lenders can now report second-stage loans to the register and use the loan data in consumer lending. The reporting will continue until 31 March 2026. Read more in the news article.

The e-service and credit register extracts will include loans granted to business name entrepreneurs for their business activities and loans granted to agricultral and forestry operators.

Apartment-specific credit liabilities of housing company loans

The data content of the Positive credit register will expand on 1 April 2027, as information about the apartment-specific credit liabilities and capital expenditure charges of housing company loans start to show in the register. ‘Apartment’ may be a residential apartment, parking space, storage space or other space.

In legislation, apartment-specific credit liability is referred to as ‘credit liability allocated to share group’.

The register retrieves data directly from the Residential and Commercial Property Information System of the National Land Survey of Finland.

Lenders must prepare for receiving new data because the Credit register extract API will change.

Why will apartment-specific credit liabilities be introduced into the register?

Apartment-specific credit liabilities will be introduced into the Positive credit register because they account for a significant part of Finnish households’ debt burden. Loans taken out by a housing company and the related loan servicing costs affect an individual shareholder’s ability to pay in the same way as any other debt.

Private individuals will gain a more comprehensive view of their loans when credit liabilities allocated to apartments are also found in the register. Lenders will also gain a more comprehensive view of the loan applicant’s financial standing for creditworthiness assessment purposes.

Private individuals can view the data in the register’s e-service starting on 1 April 2027. At the same time, the data will also be included in credit register extracts requested by lenders.

Where does the register’s data come from?

Information about apartment-specific credit liabilities of housing company loans are transmitted to the Positive credit register from the Residential and Commercial Property Information System maintained by the National Land Survey of Finland.

The information in the Residential and Commercial Property Information System, on the other hand, is received from housing companies or property managers. Responsibility for the accuracy of the information is carried by housing companies: they must update the information to the system at least once a year.

What do ‘apartment-specific credit liability’ and ‘charge for common capital expenditure’ mean?

Apartment-specific credit liability refers to the portion of the company loans granted to a housing company that is allocated to the apartment, i.e. share group, in question. ‘Apartment’ may refer to a parking space or storage space, for example, as well as to a residential apartment. The housing company has liability for the entire loan, whereas each shareholder is liable for their portion of the loan.

The charge for common capital expenditure is the amount that the shareholder pays to the housing company to amortise the portion of the loan that is allocated to them. Amortisation payments are usually made once a month. The charge for common capital expenditure usually comprises both the interest and the amortisation. The charge for common capital expenditure can also consist of only interest if amortisation payments are not yet made.

What new information will be included in the credit register extract?

After the change, the credit register extract will contain information about private individuals’ apartment-specific credit liabilities and charges for common capital expenditure. Note that the information shown is specific to the apartment, not to the shareholder.

In future, the credit register extract will contain the following apartment-specific information:

  • the number of apartments with a housing company loan owned by the individual
  • the individual’s share of ownership of the apartment, and the number of owners
  • apartment-specific credit liability and the date of calculation
  • the apartment’s capital expenditure charge per month and its start date
  • has the individual denied the accuracy of the data in the register?
  • is a change of ownership pending?

What should lenders do?

Because changes will be introduced into the Credit register extract API, lenders must make sure their systems can receive new data starting on 1 April 2027.

Lenders do not need a new data permission to receive data.

  • The data content of the credit register extract will be the same for all data permission holders. Also in the future, credit register extracts can be used only for the purposes laid down in section 21 of the Act on the Positive Credit Register.
  • In other words, the transmission of data on apartment-specific credit liabilities to the register will not expand the list of allowed purposes of use of the credit register extract.
    1.13 Where can you find further information?
    The Positive credit register started to prepare for receiving apartment-specific credit liabilities in 2025.

We will start stakeholder cooperation with lenders at the beginning of 2026. We will hold stakeholder meetings for lenders and ask them to give us feedback about upcoming changes to the documentation.

We recommend that lenders should participate actively in our stakeholder cooperation. In that way, you will receive information about future changes to the register in good time and will benefit from our support when you prepare for the changes.

Background

Page last updated 12/10/2025