Finance & Taxes

Utilities & Renovation

What to Check on an Apartment Association (KÜ) Utility Bill Before Buying in Narva or Sillamäe

In Ida-Virumaa, two similar two-room apartments on neighboring streets can differ in winter utility bills by €70–120 per month. We break down every line of a KÜ invoice so your purchase brings no surprises.

ISKV Kinnisvara5 min read

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Utilities & Renovation

Apartment Building Renovation with KredEx (EIS) Grants in Ida-Virumaa: Impact on Utility Bills and Property Value

Ida-Virumaa benefits from enhanced state subsidy rates for apartment building renovations. Here is why banks are more willing to finance apartments in modernized buildings and buyers choose them more often.

ISKV Kinnisvara4 min read

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City Guides

Guide to Narva's Neighborhoods: Best Areas for Families vs. Rental Investments

From Kreenholm's high-ceilinged brick buildings and family-friendly Pähklimäe next to the Äkkeküla nature trails to the vibrant City Center by the castle and promenade or affordable Soldino—an insider's guide to Narva's districts.

ISKV Kinnisvara4 min read

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City Guides

Sillamäe and Narva-Jõesuu: Buying a Seaside Apartment or Summer Home — Prices, Seasonality, and Liquidity

Living and vacationing on the coast of the Gulf of Finland: why buyers from Tallinn and Tartu are increasingly looking at seaside properties along Sillamäe's maritime boulevard and among the pine dunes of Narva-Jõesuu.

ISKV Kinnisvara4 min read

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City Guides

Kohtla-Järve and Jõhvi: Where Infrastructure Is Growing and Buyer Demand Is Shifting

Jõhvi as the county's business and educational hub, family-friendly Ahtme near the regional hospital, and the green historic center of Järve—understanding the central urban agglomeration of Ida-Virumaa.

ISKV Kinnisvara4 min read

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Analytics & Investment

Ida-Virumaa Real Estate Market Review: Actual Maa- ja Ruumiamet Transaction Prices vs. Portal Asking Prices

Why do some apartments sell in 3 weeks while others sit on property portals for years? We break down official Land and Spatial Development Board (Maa- ja Ruumiamet) notary transaction statistics across Narva, Sillamäe, and Kohtla-Järve.

ISKV Kinnisvara4 min read

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Analytics & Investment

The Just Transition Fund and New Enterprises in Ida-Virumaa: How They Impact the Rental and Housing Market

New factories in the industrial parks of Narva and Sillamäe, along with growing tourism and IT clusters, are bringing engineers and specialists to the region. What kind of housing are they looking for, and what rental yields does Ida-Virumaa offer in 2026?

ISKV Kinnisvara3 min read

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Finance & Taxes

Mortgages in Ida-Virumaa and KredEx (EIS) Guarantees: Bank Requirements and Down Payments from 10%

How do you get a home loan to buy an apartment or house in Narva, Sillamäe, or Jõhvi? We break down minimum bank loan thresholds, the role of the valuation report (hindamisakt), and regional EIS guarantees.

ISKV Kinnisvara4 min read

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Finance & Taxes

Taxes on Selling and Renting Real Estate in Estonia and the New Land Tax (Maamaks): An Owner's Guide

When is the sale of an apartment or summer cottage in Estonia completely exempt from income tax, how are taxable capital gains calculated when selling an investment property, and what should you know about the land tax?

ISKV Kinnisvara4 min read

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Legal Practice

Apartment Remodeling in Panel Buildings: How to Check the Register of Buildings (Ehitisregister / EHR) and Legalize Changes

A combined bathroom and toilet, an opening between the kitchen and living room, or a removed storage closet: why unpermitted remodeling derails mortgage transactions and how to legalize your records via the EHR.

ISKV Kinnisvara4 min read

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Legal Practice

How a Notary Closing Works in Estonia and How to Protect Yourself from Hidden Defect Claims (Varjatud Puudused)

From reserving a property and transferring funds to the notary's escrow account to properly disclosing the apartment's technical condition in the sale contract — we explain the legal mechanics of an Estonian property transaction.

ISKV Kinnisvara4 min read

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Cottages & Land

Buying a Summer Cottage Near Narva and Sillamäe (Kudruküla, Olgina, Peeterristi): A Pre-Closing Checklist

Your own plot with a sauna, greenhouse, and pine forest air just 10 minutes from the city: we explore the cottage areas around Narva and Sillamäe and cover the 6 essential checks before buying a garden plot.

ISKV Kinnisvara4 min read

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What to Check on an Apartment Association (KÜ) Utility Bill Before Buying in Narva or Sillamäe

Apartment Building Renovation with KredEx (EIS) Grants in Ida-Virumaa: Impact on Utility Bills and Property Value

Guide to Narva's Neighborhoods: Best Areas for Families vs. Rental Investments

Sillamäe and Narva-Jõesuu: Buying a Seaside Apartment or Summer Home — Prices, Seasonality, and Liquidity

Kohtla-Järve and Jõhvi: Where Infrastructure Is Growing and Buyer Demand Is Shifting

Ida-Virumaa Real Estate Market Review: Actual Maa- ja Ruumiamet Transaction Prices vs. Portal Asking Prices

The Just Transition Fund and New Enterprises in Ida-Virumaa: How They Impact the Rental and Housing Market

Mortgages in Ida-Virumaa and KredEx (EIS) Guarantees: Bank Requirements and Down Payments from 10%

Taxes on Selling and Renting Real Estate in Estonia and the New Land Tax (Maamaks): An Owner's Guide

Apartment Remodeling in Panel Buildings: How to Check the Register of Buildings (Ehitisregister / EHR) and Legalize Changes

How a Notary Closing Works in Estonia and How to Protect Yourself from Hidden Defect Claims (Varjatud Puudused)

Buying a Summer Cottage Near Narva and Sillamäe (Kudruküla, Olgina, Peeterristi): A Pre-Closing Checklist

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