Omakotitalo voi tosiaan olla eläkeläisen loukku, niin kuin tässä linkissä kerrotaan:
http://koti.ts.fi/asuminen/mielipide-omakotitalosta-voi-tulla-ikaantyvalle-loukku/
Kirjoittajien (Kaija Savolainen, toiminnanjohtaja, Suomen Omakotiliitto &
Keijo Karlsson, puheenjohtaja, Omakotiliiton Varsinais-Suomen piiri) ikäihmisen loukku voi syntyä omakotitalossa yllättävän monista syistä.
Puolison kuolema jättää toisen vastaamaan yksin kaikista asumisen kuluista. Asumisen juoksevat kulut ovat vuosi vuodelta lisääntyneet huimaa vauhtia, varsinkin öljylämmitteisessä kiinteistöissä, ja niitä on Suomessa todella paljon – tällä hetkellä vielä noin 220.000 kpl. Omakotitaloja on yhteensä noin 970.000 kpl, joten melkein joka neljäs niistä lämpiää öljyllä. Olihan öljylämmitys omana aikanaan modernia, helppoa ja jossain vaiheessa suhteellisen halpaakin. Tämän lisäksi tulee omakotitalon ylläpitotyöt, koska kuvassa näkyvä tilanne toistuu lähes joka vuosi:
Ja ikäihmisen loukku sulkeutuu ehkä pitkäksikin aikaa, mikäli talo ei menekään kaupaksi – ei ainakaan nopeasti eikä järkevällä hintaa. Talon myyntihinnassa voi olla kiinni elinikäiset säästöt ja samalla vanhuuden turva. Myyntihinnalla pitäisi ehkä rahoittaa myös seuraava asuminen, mikäli aikoo ostaa huoneiston esim. jostakin senioritalosta, jossa on tarjolla jokaiseen huoneistoon apuja, sen mukaan mitä kukin tarvitsee ja pystyy ostamaan. Omakotitalon ostaminen tai rakentaminen voi olla viisas ratkaisu, mutta yhtä viisasta olisi myös osata luopua siitä ajoissa.
Eikä tämä tilanne ole lainkaan harvinainen AsOy puolellakaan. Hyvin yleinen tilanne on sellainen, että lapsiperheessä ovat lapset aikuistuneet ja muuttaneet maailmalle jo ajat sitten. Suuri huoneisto on kuitenkin pidetty, eikä se ole ollut kustannuksena kummoinenkaan, jos asuntovelat on maksettu pois jo ajat sitten. Kunnes sitten jompikumpi kuolee ja toinen jääkin yksin. Tai että taloyhtiössä alkaakin esim. putkiremontti, josta tulee niin paljon kustannuksia, ettei pienituloisten eläkeläisten maksukyky enää riitä. Silloinkin voi olla edessä pakkomyyntitilanne.
Näihin tällaisiin tilanteisiin on nykyisin yhtenä ratkaisuna olemassa myös HYPO:n käänteinen asuntolaina tai käänteinen asuntokauppa, joita ilmeisesti käytetään kuitenkin melko vähän? Tai itse en ainakaan tiedä enkä tunne ketään, joka olisi näitä HYPO:n tarjoamia mahdollisuuksia käyttänyt, vaikka näitä ongelmatilanteita on oman isännöintiurani vastaan tullut jo useitakin. Ehkä pitäisi joskus HYPO:ssa käydessäni kysellä, että onko näille tuotteille ollut kysyntää. Tässä linkissä lisää aiheesta:
http://www.hypo.fi/lainat/kaanteinen-asuntolaina/
Ehkä HYPO ei asunnosta / talosta ainakaan mitään ylihintaa maksa, ja jos kauppahinnoista tai korkotasosta ei päästä sopimukseen, niin eihän tästäkään sitten käytännössä paljon apua ole…? Itse en tunne yksityiskohtia tarkemmin.
Muutenhan tämä HYPO:n oljenkorsi pelastaisi myös monet omakotirakentajat, joilla budjetti on pettänyt. Tässä blogissa siteeratun tiedon mukaan ”noin 97 prosenttia uudisrakentajista ylittää oman budjettinsa ja osa hyvinkin reilusti. (Rakentajan ABC)”
https://kivitalorannalla.wordpress.com/2015/03/02/suunnittelua/
Tai sitten joillekin rakentajille voi heti rakentamisen jälkeen tapahtuukin jotain muuta dramaattista. Voi tulla esim. työttömyyttä, avioero tai pitkäkestoinen sairaus. Jolloin ei ehkä pystykään selviytymään rakennusaikaisista lainoista. Ja nyt tilanne asuntomarkkinoilla on tällä hetkellä sellainen, että isoissa kohteissa kauppa ei oikein käy. Ilmeisesti myös hiljenevillä alueilla Suomessa kiinteistöjä on vaikea saada kaupaksi, eikä venäläisetkään niitä enää osta.
Pienet huoneistot menevät hyvin kaupaksi toki edelleenkin, ja yksiöt ovat jopa yliarvostettuja, sillä moni asuntosijoitta tai ensiasunnon ostaja on kiinnostunut juuri niistä. Eikä yksiöitä kai alun alkaenkaan ole rakennettu tarpeeksi, koska kysyntää pienille asunnoille on ollut aina enempi, mitä niitä on olemassa.
Omakoti asumiseen – niin mukavaa kuin se onkin, voi liittyä siis monia riskejä, jopa loukkuja, ja rakentamiseen tai ostamiseen lähdettäessä omia resursseja ja voimavarojen riittävyyttä ja työpaikan pysyvyyttä pitää arvioida huolella. Rakentaminen myös perusluonteeltaan taitaa olla vähän sellaista, että ihan kaikki ei aina suju ihan suunnitelmien mukaan, jolloin ongelmia on tiedossa ja hyviä hermoja tarvitaan. Jos on jo valmiiksi ja muutenkin hermot tiukilla ja parisuhteessa ongelmia, tai lapset ihan pieniä, niin tuleeko siitä hommasta mitään? Aina ei tule.
Aikaisemmin on kuitenkin asuntomarkkinoilla voitu laittaa talo myyntiin heti, kun siinä on 2 vuotta asuttu ja kun mahdollisen myyntivoiton on voinut verovapaasti pitää. Ja siihen asti on ennen voitu pärjätä aina – voihan pankin kanssakin tarvittaessa sopia lyhennysvapaista vuosista, ja maksella pelkät lainan korot. Mutta nyt tätä kautta ei enää pääsekään pinteestä, jos asuntokauppa ei käy.
Toki asuntomarkkinoillakin on käänne ehkä jo tapahtunut, ja pikkuhiljaa ollaan taas matkalla kohti ns. ”normaalia tilannetta”. Yhtenä indikaationa tästä on myös se, että enää pankkien lainatiskeillä rakentajilta ei ole vaadittu nykyisen talon tai asunnon myyntiä ennen kuin rakennuslainaa saa nostaa. Vielä pari vuotta sitten tämä oli varsin yleinen käytäntö, ellei jopa ainut mahdollisuus päästä asioissa eteenpäin.
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