Jõelähtme vald, Loo alevik, Saha tee 3 korteriühistu
Association of 50 flats. Loan is being paid down.
Loo alevik, Saha tee 3 korteriühistu is a 50-flat apartment association in Jõelähtme. Per its 2025 annual report, a typical flat paid the association €162 a month; total costs including utilities were €3.67/m² a month.
The association has a loan of €65 651 (≈ €1 313 per flat), last repayment 2028. Member fees rose 74% in 2022–2025 (€19 019 → €33 149 a year).
Source: the association's annual reports (e-Business Register), floor area from the Building Register.
Building: Saha tee 3, Jõelähtme. Data: the association's annual reports 2022–2025 (e-Business Register), the latest for 2025.
All figures: the association's 2025 annual report; €/m² = per m² of flats (2 202 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.
The association's joint loan (usually for renovation). Repayments are part of the monthly fees.
✓ Strengths
- Loan is being paid down€130 506 → €65 651 (2022–2025)
What owners pay for
Fees by type in 2025, as written in the report. "Average flat" = amount ÷ 50 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 | €19 261 | €0.73 | €32 | €16 765 |
| Remonditasudsaved in the repair fund for future works | saved in the repair fund for future works | €10 388 | €0.39 | €17 | €32 499 |
| laenureservi intressi katteksrepays the association's loan and interest | repays the association's loan and interest | €3 500 | €0.13 | €6 | €4 896 |
| Total | €33 149 | €1.25 | €55 |
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.
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.
€65 651 outstanding at the end of 2025 ≈ €1 313 per flat
Principal due in the next 12 months €23 624 ≈ €1 969 a month (€39 per flat, plus interest)
| Lender | Balance | Rate | Ends |
|---|---|---|---|
| Swedbank | €65 651 | 4.82% | 2028-08 |
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 | €33 149 | €54 160 | €37 799 | €19 019 | +74% |
| Collected into the repair fund | €28 512 | €7 919 | €7 919 | – | ×3.6 |
| Repair spending | €10 388 | €32 499 | €17 915 | €1 056 | ×9.8 |
| Loan balance | €65 651 | €88 149 | €109 562 | €130 506 | −50% |
| Cash | €4 577 | €13 946 | €17 201 | €27 365 | −83% |
| Reserve capital | €5 719 | €5 719 | €5 719 | €5 719 | ≈ |
| Association expenses (income statement) | €32 225 | €50 621 | €34 873 | €14 901 | +116% |
| Result for the year | €36 | €1 286 | €601 | €1 776 | – |
* 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.
Jõelähtme vald, Loo alevik, Saha tee 3 korteriühistu, (edaspidi Saha tee 3 KÜ) jätkas 2025. aastal oma põhikirjaliste ülesannete täitmist.
members: 47 private + 3 companies.
See also
Frequently asked questions
What are the running costs of the Saha tee 3 apartment association?
Per the association's 2025 annual report: total owner costs of €3.67/m² per month including utilities; a typical flat paid €162 a month; the association's own fees excluding utilities €1.25/m² per month.
Does the Saha tee 3 apartment association have a loan?
Yes. The loan balance at the end of 2025 was €65 651 (≈ €1 313 per flat), interest 4.82%, 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 Saha tee 3 apartment association gone up?
Member fees totalled €19 019 in 2022 and €33 149 in 2025 — a change of +74%. Latest year: −39% vs 2024.
How big is the Saha tee 3 apartment association and who manages it?
50 flats. Registry code 80434095; 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. Flats' floor area 2 202 m².