Tallinn, Kalda tn 64 korteriühistu
Association of 56 flats. Loan is being paid down.
Kalda tn 64 korteriühistu is a 56-flat apartment association in Nõmme district, Tallinn. Per its 2025 annual report, a typical flat paid the association €260 a month; total costs including utilities were €5.22/m² a month (highest quarter locally, Pääsküla subdistrict).
The repair fund held €41 306 at year end (€13/m², ≈ €738 per flat); in 2021 it was €54 107 — within the usual local range. The association has a loan of €1 202 821 (≈ €21 479 per flat), last repayment 2030. Member fees fell 78% in 2021–2025 (€402 359 → €90 105 a year).
The board's report mentions: KredEx/tervikrenoveerimise projekt. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Kalda tn 64, Tallinn. Data: the association's annual reports 2021–2025 (e-Business Register), the latest for 2025.
All figures: the association's 2025 annual report; €/m² = per m² of flats (3 298 m², Building Register); "a month" = yearly amount ÷ 12.
What an owner pays the association each month in total, usually including heating, water and electricity.
The association's own charges without utilities: upkeep, management, repair fund, loan.
Money saved for future repairs. A bigger balance means less risk of a sudden extra charge.
The association's joint loan (usually for renovation). Repayments are part of the monthly fees.
✓ Strengths
- Loan is being paid down€1 420 580 → €1 202 821 (2021–2025)
Flags are taken from the association's management report.
Location and neighbouring associations
Associations on the same street and within 500 m, each by its latest report. The large dot on the map is this association. All associations and rankings in the area →
On the same street: Kalda tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Kalda tn 64 (this one) | – | 56 | €5.22 | €2.28 | €13 | €1 202 821 | 2025 |
| Kalda tn 60 | 120 m | 28 | €4.23 | €2.34 | €2 | €257 517 | 2025 |
| Kalda tn 60a | 160 m | 18 | €2.95 | €1.71 | €18 | no | 2025 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Kalda tn 64 (this one) | – | 56 | €5.22 | €2.28 | €13 | €1 202 821 | 2025 |
| Kanarbiku tn 15 | 260 m | 14 | – | – | – | no | 2025 |
| Särje tn 24 | 470 m | 12 | – | €0.71 | – | no | 2025 |
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 56 flats ÷ 12; a bigger flat pays more.
| Fee | What it covers | Per year | €/m²/month | Average flat / month | Year before |
|---|---|---|---|---|---|
| Hooldustasudday-to-day upkeep and small fixes | day-to-day upkeep and small fixes | €23 666 | €0.60 | €35 | €23 739 |
| Haldustasudbookkeeping, board and property manager | bookkeeping, board and property manager | €11 338 | €0.29 | €17 | €10 669 |
| Lisapinna hooldustasudday-to-day upkeep and small fixes | day-to-day upkeep and small fixes | €452 | €0.01 | €1 | €452 |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €0 | €0.00 | €0 | €4 209 |
| Laenuintressi katteksrepays the association's loan and interest | repays the association's loan and interest | €54 649 | €1.38 | €81 | €74 967 |
| Total | €90 105 | €2.28 | €134 |
Fee names as written in the report.
Compared with Pääsküla subdistrict
Green band = the middle half of the area's associations (2025), tick = median, dot = this association.
Association fees per year
All flats together, excluding utilities.
Repair fund and works
The repair fund is the association's savings for the roof, pipes, façade and so on. When it grows, more is saved than spent; when it shrinks, the money has gone into repairs.
Repair fund balance
Saved and not yet spent, at year end.
Money in and out
When the collected bar is taller the fund grew; when spending is taller, savings were used.
Repair fund at the end of 2025: €41 306 = €13/m² ≈ €738 per flat
Works done, per the reports
Loans
An association loan is shared by all owners: when a flat is sold, its share stays with the building, not the seller. That is why a buyer should know the balance and the end date.
€1 202 821 outstanding at the end of 2025 ≈ €21 479 per flat
Principal due in the next 12 months €55 818 ≈ €4 652 a month (€83 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| Swedbank | €1 202 821 | 4.13% | 2030-04 |
Loan balance at year end
Lower bars = the loan is being repaid.
All figures by year
The last column is the change from the first year to the latest: green = good news for owners, orange = a cost or risk is growing.
| 2025 | 2024 | 2023 | 2022 | 2021* | Change | |
|---|---|---|---|---|---|---|
| Association fees per year | €90 105 | €114 036 | €110 721 | €109 068 | €402 359 | −78% |
| Collected into the repair fund | €137 460 | €130 573 | €113 126 | €105 975 | – | +30% |
| Repair spending | €0 | €4 209 | €5 899 | €40 131 | €339 417 | −100% |
| Repair fund balance | €41 306 | €30 680 | €21 988 | €25 420 | €54 107 | −24% |
| Loan balance | €1 202 821 | €1 255 541 | €1 305 133 | €1 358 900 | €1 420 580 | −15% |
| Cash | €56 640 | €42 122 | €33 739 | €40 704 | €68 356 | −17% |
| Reserve capital | €20 000 | €18 000 | €18 000 | €8 400 | €8 400 | +138% |
| Association expenses (income statement) | €34 945 | €36 905 | €36 686 | €69 082 | €376 374 | −91% |
| Result for the year | €676 | €2 396 | −€209 | €67 | −€10 743 | – |
* from the comparative column of the following year's report.
"Of which repair fund" is hidden: the figure read from the report matched repair spending.
Cash at year end
Money in the bank (incl. the repair fund).
Board's management report
Short summary of the 2025 report.
Ühistut juhib 2-liikmeline juhatus. Aruandes märgitud tähelepanekud: KredEx/tervikrenoveerimise projekt.
board: 2 members · members: 71 private + 2 companies.
See also
Frequently asked questions
What are the running costs of the Kalda tn 64 apartment association?
Per the association's 2025 annual report: total owner costs of €5.22/m² per month including utilities; a typical flat paid €260 a month; the association's own fees excluding utilities €2.28/m² per month. The Pääsküla subdistrict median was €2.99/m² per month.
How big is the repair fund of the Kalda tn 64 apartment association?
The repair fund held €41 306 at the end of 2025 (€13/m², ≈ €738 per flat). In 2021 it was €54 107. Compared with Pääsküla subdistrict: within the usual local range.
Does the Kalda tn 64 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €1 202 821 (≈ €21 479 per flat), Euribor + 2.00%, last repayment 2030. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Kalda tn 64 apartment association gone up?
Member fees totalled €402 359 in 2021 and €90 105 in 2025 — a change of −78%. Latest year: −21% vs 2024.
How big is the Kalda tn 64 apartment association and who manages it?
56 flats, board of 2. Registry code 80035060; reports 2021–2025 (e-Business Register).
Terms in plain words
- Total owner costs (€/m² a month, incl. utilities)
- Everything owners paid the association (the report's flat table), heating, water and electricity included, divided by the flats' floor area and 12 months. Closest to what an owner actually pays each month.
- Association fees (€/m² a month, excl. utilities)
- The association's own charges — upkeep, management, repair fund, loan, insurance — without utilities, per m² of flats a month.
- Typical flat per month (€ a month)
- The median flat's yearly charge in the report's flat table, divided by 12. Half of the flats pay more, half less.
- Repair fund balance (€ at year end)
- Money saved for future repairs and not yet spent, at the end of the financial year.
- Repair fund balance (€ per m² of flats)
- The repair fund balance divided by the flats' floor area, so buildings of any size compare. Not a monthly charge.
- Repair-fund charge (€/m² a month)
- The part of the fees that goes into the repair fund.
- Loan balance (€ at year end)
- The unpaid part of the association's loan at year end. It stays with the building when a flat is sold; repayments are part of the monthly fees.
- Association fees per year (€, all flats together)
- The same charges as a yearly total for all flats (the report's "member fees").
- Association expenses (income statement) (€ a year)
- The association's own expenses for the year per its accounts (upkeep, management, repairs, interest). Not the same as the owners' "total owner costs".
- Reserve capital (€)
- The association's buffer for unexpected costs. By law at least 1/12 of its budgeted annual costs.
- Cash (€ at year end)
- Money in the bank at year end, the repair fund included.
- Result for the year (€)
- Income minus expenses. An association is not for profit: a small plus or minus is normal; several large losses in a row mean costs are paid from reserves.
We read the association's reports, meeting decisions and the price, and tell you what to watch.
Source: apartment association annual reports (e-Business Register); floor area: Building Register. Figures are machine-read from the reports and may contain reading errors — check the original report in the e-Business Register before deciding. How the figures are made (methodology) · Checklist before buying. Flats' floor area 3 298 m².