Tartu linn, Raatuse tn 57 korteriühistu
Association of 11 flats. Loan is being paid down.
Raatuse tn 57 korteriühistu is a 11-flat apartment association in Tartu linn, Tartu linn. Per its 2025 annual report, a typical flat paid the association €124 a month.
The repair fund held €1 888 at year end; in 2022 it was €2 365. The association has a loan of €48 608 (≈ €4 419 per flat), last repayment 2032. Member fees rose 35% in 2022–2025 (€2 168 → €2 927 a year).
There are 25 associations with reports on the same street and within 500 m; their median is €2.64/m² a month in costs and €11/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Raatuse tn 57, Tartu linn. Data: the association's annual reports 2022–2025 (e-Business Register), the latest for 2025.
All figures: the association's 2025 annual report; no €/m² because the flats' floor area is unknown; "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€70 185 → €48 608 (2022–2025)
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 →
Compared with 25 neighbouring associations (median): total costs €2.64 · fees €1.16 · repair fund €11/m²
On the same street: Raatuse tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Raatuse tn 57 (this one) | – | 11 | – | – | – | €48 608 | 2025 |
| Raatuse tn 18 | 370 m | 40 | €2.70 | €1.14 | – | no | 2025 |
| Raatuse tn 47 | 60 m | 6 | €3.36 | €1.46 | €19 | no | 2024 |
| Raatuse tn 49 | 40 m | 9 | €3.15 | €1.70 | €12 | no | 2025 |
| Raatuse tn 51 | 30 m | 8 | €2.25 | €1.36 | €13 | no | 2025 |
| Raatuse tn 61 | 20 m | 7 | €4.56 | €2.23 | €19 | no | 2025 |
| Raatuse tn 63 | 30 m | 5 | – | – | – | no | 2025 |
| Raatuse tn 64 | 40 m | 10 | €2.11 | €1.08 | – | no | 2025 |
| Raatuse tn 68 | 50 m | 33 | €2.15 | €0.96 | €1 | no | 2025 |
| Raatuse tn 73 | 60 m | 5 | €6.08 | €5.23 | €3 | no | 2025 |
| Raatuse tn 75 | 80 m | 5 | €3.00 | – | – | no | 2025 |
| Raatuse tn 82 | 80 m | 36 | €2.32 | €0.78 | €11 | no | 2025 |
| Raatuse tn 83 | 120 m | 8 | €3.75 | €3.06 | €0 | no | 2024 |
| Raatuse tn 85 | 160 m | 21 | €1.95 | €0.70 | €8 | no | 2025 |
| Raatuse tn 86 | 160 m | 12 | – | €1.16 | – | no | 2025 |
| Raatuse tn 100 | 250 m | 7 | €1.71 | €0.70 | – | no | 2024 |
| Neighbours' median | €2.70 | €1.16 | €11 |
Nearby (within 500 m)
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Raatuse tn 57 (this one) | – | 11 | – | – | – | €48 608 | 2025 |
| Uus tn 3 | 50 m | 90 | – | €3.85 | €28 | no | 2025 |
| Uus tn 1 | 100 m | 45 | €2.38 | €0.39 | €39 | no | 2025 |
| Uus tn 5 | 110 m | 60 | €2.86 | €1.59 | – | no | 2025 |
| Pikk tn 43 | 140 m | 64 | €2.32 | €1.29 | €4 | no | 2025 |
| Uus tn 9 | 140 m | 52 | €1.93 | €1.04 | €1 | no | 2025 |
| Kivi tn 61 | 140 m | 7 | €2.38 | €0.66 | – | no | 2025 |
| Pikk tn 46 | 140 m | 7 | €3.07 | €1.40 | – | no | 2025 |
| Pikk tn 52 | 160 m | 80 | €3.11 | €0.94 | – | €400 889 | 2025 |
| Uus tn 13c | 180 m | 78 | €2.58 | €0.63 | €12 | no | 2025 |
| Kivi tn 55 | 180 m | 27 | €3.08 | €1.76 | €6 | no | 2025 |
| Neighbours' median | €2.58 | €1.17 | €9 |
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 11 flats ÷ 12; a bigger flat pays more.
| Fee | What it covers | Per year | Average flat / month | Year before |
|---|---|---|---|---|
| Hooldustasudday-to-day upkeep and small fixes | day-to-day upkeep and small fixes | €1 135 | €9 | €1 583 |
| Haldustasudbookkeeping, board and property manager | bookkeeping, board and property manager | €1 556 | €12 | €849 |
| Muud tasud | €0 | €0 | €6 | |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €236 | €2 | €0 |
| Total | €2 927 | €22 |
Fee names as written in the report.
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: €1 888 ≈ €172 per flat
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.
€48 608 outstanding at the end of 2025 ≈ €4 419 per flat
Principal due in the next 12 months €5 927 ≈ €494 a month (€45 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| Swedbank | €5 927 | 5.56% | 2032-12 |
| Swedbank | €42 681 | 5.56% | 2032-12 |
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* | Change | |
|---|---|---|---|---|---|
| Association fees per year | €2 927 | €2 438 | €2 171 | €2 168 | +35% |
| Repair spending | €236 | €0 | – | – | – |
| Repair fund balance | €1 888 | €1 245 | €2 085 | €2 365 | −20% |
| Loan balance | €48 608 | €58 764 | €64 837 | €70 185 | −31% |
| Cash | €1 428 | €5 | €1 180 | €1 627 | −12% |
| Reserve capital | €1 262 | €351 | €351 | €351 | ×3.6 |
| Association expenses (income statement) | €2 987 | €2 465 | €2 612 | €2 596 | +15% |
| Result for the year | −€60 | −€24 | −€441 | −€428 | – |
* 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.
Aruandeaastal teostati remonditöid 236 € eest. Remondifondi jääk aasta lõpus oli 1 888 €.
members: 10 private + 1 companies.
See also
Frequently asked questions
What are the running costs of the Raatuse tn 57 apartment association?
Per the association's 2025 annual report: a typical flat paid €124 a month; member fees of €2 927 a year in total.
How big is the repair fund of the Raatuse tn 57 apartment association?
The repair fund held €1 888 at the end of 2025. In 2022 it was €2 365.
Does the Raatuse tn 57 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €48 608 (≈ €4 419 per flat), interest 5.56%, last repayment 2032. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Raatuse tn 57 apartment association gone up?
Member fees totalled €2 168 in 2022 and €2 927 in 2025 — a change of +35%. Latest year: +20% vs 2024.
How does the Raatuse tn 57 apartment association compare with neighbouring buildings?
There are 25 associations with reports on the same street and within 500 m. Their median: total costs €2.64/m² per month; repair fund €11/m².
How big is the Raatuse tn 57 apartment association and who manages it?
11 flats. Registry code 80237153; reports 2022–2025 (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. €/m² is not shown: the flats' floor area in the Building Register is missing, incomplete or shared between associations.