Hi,
I'm in the process of saving up for a home deposit using an ASP account. I'd like to save up around 15-20% of the home value using that account. My income comes through self employment using a toiminimi (remote software developer).
I'm a bit worries that being self employed would cause me to be denied a home loan, I don't want one right now, only in about 2 years after I've saved up for the desposit.
Also found out that there is a credit registry provided by Vero: https://www.vero.fi/en/positivecreditregister/ (positiivinen luottotietorekisteri). The issue with this registry is that only income from employment appears in there, any other sources of income just appear as 0, this is a known error in their system that has been flagged by multiple people and agencies but Vero has stated that they will not address it until 2028 :/.
Long story short, does anyone know what is the process of getting a home loan in Finland if your sources of income anything other than employment, assuming that source of income is sufficient, reliable, and predictable.
I've already written to the major banks about this to ask them directly by the way :D, was just curious if anyone was or knowns something about this in the meantime.
—
BigMagicTulip