Narva linn, Kreenholmi tn 15 korteriühistu

The association had no loan at the end of 2025.

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.