Tallinn, Kalma tn 5 korteriühistu
Association of 18 flats. New loan taken in 2025; sharp rise in association fees: +255% (2025); small reserve capital.
Kalma tn 5 korteriühistu is a 18-flat apartment association in Põhja-Tallinn district, Tallinn. Per its 2025 annual report, a typical flat paid the association €45 a month.
The association has a loan of €14 243 (≈ €791 per flat), last repayment 2028. Member fees rose 2 076% in 2021–2025 (€1 259 → €27 400 a year).
There are 11 associations with reports on the same street and within 500 m; their median is €3.19/m² a month in costs and €13/m² of repair fund. Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Kalma tn 5, Tallinn. Data: the association's annual reports 2021–2025 (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.
The association's joint loan (usually for renovation). Repayments are part of the monthly fees.
! Worth watching
- New loan taken in 2025outstanding €14 243 — usually for renovation; repayments are part of the fees
- Sharp rise in association fees: +255% (2025)€7 723 (2024) → €27 400 (2025)
- Small reserve capital€619 — less than one month of costs (€2 284)
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 11 neighbouring associations (median): total costs €3.19 · fees €1.55 · repair fund €13/m²
On the same street: Kalma tn
| Association | Distance | Flats | Total owner costs €/m²/mo | Association fees €/m²/mo | Repair fund balance €/m² | Loan balance | Year |
|---|---|---|---|---|---|---|---|
| Kalma tn 5 (this one) | – | 18 | – | – | – | €14 243 | 2025 |
| Kalma tn 4 | 40 m | 12 | – | €3.60 | €4 | 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 |
|---|---|---|---|---|---|---|---|
| Kalma tn 5 (this one) | – | 18 | – | – | – | €14 243 | 2025 |
| Kotzebue tn 20 | 40 m | 44 | €3.78 | €1.20 | €9 | €221 261 | 2025 |
| Kotzebue tn 9 | 70 m | 59 | €2.55 | €0.61 | €1 | €141 809 | 2025 |
| Kotzebue tn 27 | 100 m | 12 | – | €2.83 | €20 | no | 2025 |
| Kotzebue tn 29 | 110 m | 20 | – | €1.65 | €19 | no | 2025 |
| Valgevase tn 11a | 110 m | 40 | €4.03 | €1.84 | €18 | no | 2025 |
| Vana-Kalamaja tn 7a | 110 m | 11 | – | €0.62 | €93 | no | 2025 |
| Valgevase tn 9b | 110 m | 35 | €3.05 | €0.99 | €2 | no | 2025 |
| Vabriku tn 2 | 120 m | 64 | €3.33 | €1.55 | €13 | €499 444 | 2025 |
| Vana-Kalamaja tn 7 | 130 m | 16 | €3.00 | €1.85 | €3 | €97 281 | 2025 |
| Kopli tn 8 | 140 m | 17 | – | €1.35 | €29 | €224 159 | 2025 |
| Neighbours' median | €3.19 | €1.45 | €15 |
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 18 flats ÷ 12; a bigger flat pays more.
| Fee | What it covers | Per year | Average flat / month | Year before |
|---|---|---|---|---|
| Raamatupidamisteenus | €766 | €4 | €737 | |
| Koristusteenus; muruniitmine, taimedcleaning of stairwells and grounds | cleaning of stairwells and grounds | €1 271 | €6 | €879 |
| Haldustasudbookkeeping, board and property manager | bookkeeping, board and property manager | €1 118 | €5 | €827 |
| Kindlustusbuilding insurance | building insurance | €415 | €2 | €369 |
| pumpla korrastus | €0 | €0 | €407 | |
| Korstnapühkija teenus | €0 | €0 | €190 | |
| Parkimiskaardid ja klambrid | €0 | €0 | €18 | |
| Vihmaveesüsteemide paigaldus | €0 | €0 | €1 109 | |
| Kaevetööd | €675 | €3 | €0 | |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €23 155 | €107 | €3 187 |
| Total | €27 400 | €127 |
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.
Money in and out
When the collected bar is taller the fund grew; when spending is taller, savings were used.
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.
€14 243 outstanding at the end of 2025 ≈ €791 per flat
Principal due in the next 12 months €4 906 ≈ €409 a month (€23 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| – | €14 243 | 6.01% | 2028-09 |
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 | €27 400 | €7 723 | €19 982 | €4 452 | €1 259 | ×21.8 |
| of which repair fund | €23 155 | €3 187 | €14 341 | €1 021 | – | ×22.7 |
| Collected into the repair fund | €7 677 | €7 578 | – | – | – | ≈ |
| Repair spending | €23 155 | €3 142 | €14 341 | €1 021 | €0 | – |
| Loan balance | €14 243 | €0 | €0 | €762 | €2 858 | ×5.0 |
| Cash | €11 116 | €6 911 | €2 248 | €10 162 | €7 643 | +45% |
| Reserve capital | €619 | €619 | €619 | €619 | €619 | ≈ |
| Association expenses (income statement) | €27 409 | €7 736 | €19 964 | €4 275 | €1 242 | ×22.1 |
| Result for the year | −€2 | −€13 | €18 | €177 | €17 | – |
* from the comparative column of the following year's report.
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 23 155 € eest ja remondifondi koguti 7 677 €.
members: 10 private + 6 companies.
See also
Frequently asked questions
What are the running costs of the Kalma tn 5 apartment association?
Per the association's 2025 annual report: a typical flat paid €45 a month; member fees of €27 400 a year in total.
Does the Kalma tn 5 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €14 243 (≈ €791 per flat), interest 6.01%, last repayment 2028. The loan stays with the building when a flat is sold; repayments are part of the monthly fees.
Have the fees of the Kalma tn 5 apartment association gone up?
Member fees totalled €1 259 in 2021 and €27 400 in 2025 — a change of +2 076%. Latest year: +255% vs 2024.
How does the Kalma tn 5 apartment association compare with neighbouring buildings?
There are 11 associations with reports on the same street and within 500 m. Their median: total costs €3.19/m² per month; repair fund €13/m².
How big is the Kalma tn 5 apartment association and who manages it?
18 flats. Registry code 80295400; 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. €/m² is not shown: the flats' floor area in the Building Register is missing, incomplete or shared between associations.