Taxes and utilities in Estonia: what do you need to know?

Key aspects of property taxes in Estonia

This article highlights key aspects related to property taxes and utility payments in Estonia, as well as the financial well-being of citizens, and the costs of renting and purchasing residential housing.

The tax system of Estonia

A characteristic feature of Estonia's tax system is the absence of an annual property tax. Instead, property owners are required to pay a land tax. These rates are set by local authorities and are reviewed no later than January 31 of each year, with their amount varying depending on the region and even the specific district.

• For Tallinn and Pärnu, the tax rate is 1.5%.
• In Tartu, the rate is lower — 1%.

Responsibilities of property owners

The land tax is mandatory for all property owners, including those who own private houses and apartments in multi-story buildings. However, the amount of the tax contribution for apartment owners will be significantly lower when looking at the figures for each individual apartment.

• It is expected that a taxpayer with residential space must pay between 15 to 40 euros per year.
• Homeowners on plots of ten acres - from 100 to 200 euros.

Changes in tax rates

It should be noted that in the event of changes to tax rates compared to previous periods, local authorities are required to inform the land tax system (makis) by February 1 of the current year. If no notification is received, the previous tax rates remain in effect.

The tax obligations are determined as of January 1 of the reporting year. For example, if a new property was purchased in the summer of 2020, the tax for the remaining part of that year will be paid by the previous owner, and the new owner will start their obligations from January 1, 2021.

Tax benefits

There is a possibility of obtaining tax benefits for owners of plots where their primary residence is located. However, this exemption only applies to a portion of the land tax.

No documents are required to apply for this benefit — the calculation will be done automatically.

Tax payment deadlines

As for the deadlines for tax payment, they usually occur as a single payment no later than March 31. However, if the total tax amount exceeds 64 euros, it can be split into two payments — the first by March 31 and the second by October 1.

• If the payment deadlines are missed, a penalty is charged, which can be up to 22% per year (0.06% per day) of the total tax amount.
• If the tax amount is less than 5 euros, the taxpayer is exempt from payment.

The process of paying taxes

The tax payment is made by transferring funds to the bank details of the tax and customs department. The tax notification is sent no later than February 15.

If an individual is registered in the online system of the tax and customs department, they will receive notifications exclusively via email. Otherwise, the information will be sent as an SMS.

Thus, the tax system in Estonia has certain features and nuances that should be taken into account by those who own property in the country.

Notification of land tax

If you have not received a land tax notification by February 25, it is strongly recommended to notify the relevant authority within 30 days. In practice, it often happens that the responsibility for paying the land tax falls on the tenant, even though the jurisdiction formally places this obligation on the landowner.

Features of construction in Estonia

Estonia has many features that are not always found in other countries, especially in the context of residential property construction. For example, if you plan to install a fence, you will need:

• obtain a special permit;
• to adhere to certain requirements regarding height and design;
• pay a fee of about 35 euros.

You can find detailed information about land tax and other aspects of the tax system on the official website of the tax and customs department.

Utilities

Speaking of utilities, it is worth emphasizing that affordable real estate prices and flexible legislation partially offset the high costs of utilities, which are among the highest in the Baltic states. Over the past few decades, electricity rates have particularly increased. It is important to note that the number of residents in an apartment or house does not affect the cost of utilities; the main factors remain the size of the property and its location.

Expense tracking system

As in most countries, gas, water, and electricity services are paid based on the readings from individual meters. Most residences are provided with centralized heating, which operates only during the winter period. If there is no centralized heating system, electric heaters are often used.

House management fee

Now let's take a look at the specific data. The housing management fee, similar to the Russian rent, covers the maintenance of common areas. Depending on the infrastructure of the residential complex, the cost of these services ranges from 0.2 to 1 euro per square meter. In elite complexes, this price can be significantly higher. If centralized heating is provided, an additional cost of 1.5 to 3 euros per square meter is added during the winter months.

Electricity tariffs

As for electricity supply, there are several types of tariffs:

• fixed— remains unchanged throughout the year;
• flexible— the rate changes depending on market conditions;

Rates may also vary depending on the time of day. All rates include the use of "green" energy from renewable sources. The average price per kilowatt-hour is approximately 5-7 euro cents, plus a connection fee to the grid (about 5 euro cents), as well as additional costs for "green" energy. For example, for an energy consumption of 100 kWh, the total cost may be around 15 euros, which corresponds to 0.15 euros per kilowatt-hour.

Conclusion of an electricity supply contract

Every property owner needs to independently arrange a contract for electricity supply. This is important for ensuring their independence in energy supply matters and controlling costs.

Heating in Estonia

In Estonia, the main method of heating apartment buildings is central heating. In particular, owners of apartments in old panel buildings have to pay an average of 1 to 1.5 euros per square meter during the winter.

For modern buildings with good thermal insulation, expenses are significantly reduced. Only in rare cases is gas used as a heating source; it is usually found in homes built before the modernization of the energy infrastructure. Gas prices in the country are almost equal to electricity tariffs, making its use less preferable. In Estonia, there are several energy service providers, among which the largest is...Eesti Energia.

Water supply

As for water supply, the cost of these services varies depending on the region of residence. For example, in the capital of Estonia, Tallinn, residents pay about 1.27 euros per cubic meter of water from the company.Tallinn WaterTypically, a family of two spends about 17-20 euros on water per month.

Internet and television

The cost of internet and television access also varies depending on the chosen provider and tariff plan. For example:

• Elisa Companyoffers home internet at prices ranging from 15 to 50 euros;
• uTeliaThe cost starts at 16 euros, and the television package can be obtained from 6 euros.

Additional expenses for homeowners.

For those living in private houses, additional expenses should be taken into account:

• Waste disposal will cost about 60 euros per year or 3-5 euros for a one-time pickup.
• The sewage costs range from 40 to 80 euros, depending on the size of the tank.
• Drilling a well will require expenses of about 100 euros per meter.
• Connecting electricity will cost around 180 euros per amp.

All such work requires obtaining permits and sometimes developing projects.

Home insurance

Home insurance is generally not mandatory, but it is recommended if you do not have a mortgage. To get an approximate cost of the insurance policy, you can visit the website.SwedbankFor example, if you decided to insure an apartment with an area of 50 square meters, the amount of monthly payments would be around 11.5 euros, taking into account all possible discounts.

Payment of utility bills

You can pay for utilities in various ways available in Estonia.

• This can be done through online banking.
• Either in cash at bank branches.

For those who often find themselves abroad, the ability to automatically set up payments from a local bank account, funded with an amount sufficient to cover all expenses, significantly eases life.

Estimated calculations of taxes and utility payments

Let's consider sample calculations of taxes and utility payments for different types of real estate for a year.

One-bedroom apartment in Tallinn

For a one-bedroom apartment in Tallinn with an area of 50 square meters, where one person lives, the expenses might look like this:

• The land tax is about 20 euros;
• The management fee for the house is 750 euros;
• Water expenses - 120 euros;
• Electricity - 450 euros;
• Internet and television – 360 euros;
• Insurance - 144 euros.

Thus, the total expenses amount to approximately 1844 euros.

Two-bedroom apartment in Tartu

In the case of a two-bedroom apartment in a modern area of Tartu with an area of 80 square meters, where two people live, the bills will be as follows:

• Land tax - 40 euros;
• House management - 1920 euros;
• Water - 240 euros;
• Electricity - 720 euros;
• Internet and television – 600 euros;
• The insurance ranges from 144 to 240 euros.

The total cost will be around 3520 euros.

Private house

Finally, for a private house with an area of 120 square meters on a land plot of 15 acres, where three people live, the expenses will be as follows:

• The land tax is 150 euros;
• House management (waste disposal and sewage) - 140 euros;
• Water - 360 euros;
• Electricity - 1080 euros;
• Internet and television – 840 euros;
• The insurance ranges from 144 to 240 euros.

In this case, the annual costs will be approximately 2810 euros.

Personal stories and additional information

Additionally, you can read personal stories, such as how a designer from Kyiv started their life in Estonia to open their own business. You can also find up-to-date information on investments, immigration, and real estate abroad. You can understand the standard of living in Estonia based on the incomes and expenses of local residents.

Minimum wage and the economy of Estonia

As of the beginning of 2021, the minimum wage in Estonia is €584. In the previous year, the government considered the possibility of reducing it due to economic difficulties, as well as the option of freezing it for the current year.

On average, the salary before taxes is around €1,300, but after taxes, the actual amount will be slightly over €1,000. Workers without experience or those on internships typically earn about 20% less than their more experienced colleagues.

For more detailed information about employment, benefits, and current trends in the labor market in Estonia, it would be helpful to visit the website of the Estonian Unemployment Insurance Fund, where you can find up-to-date information.

Housing rental in Estonia

When it comes to renting housing, the highest prices are observed in the capital, Tallinn. To rent a one-bedroom apartment in the city center, you need to pay between €550 and €650. Rent for apartments outside the center ranges from €400 to €460.

For two-bedroom apartments in the city center, the price range is from €900 to €1,000, while in the suburban area it ranges from €650 to €800. In Tartu, prices are somewhat lower, specifically:

• One-bedroom apartments: from €300 to €500.
• Two-bedroom apartments: from €500 to €750.

In Narva, rental prices are even more affordable: one-bedroom apartments cost between €200 and €250, while two-bedroom apartments range from €300 to €350.

Real estate in Estonia

In the Estonian real estate market, you can find a variety of offers. For example, in Kohtla-Järve, a two-room apartment with an area of 39 m² is available for €3,800. The apartment is located on the third floor of a four-story building, in a well-maintained green part of the city, within walking distance of the main avenues, shops, and medical facilities. However, it is worth noting that the renovation in the apartment is not yet complete.

A two-room apartment with an area of 49 m² is offered in Püssi for €6,000. It is located on the third floor of a three-story building in a small town in northeastern Estonia. The apartment is in good condition, and it may be possible to leave most of the household appliances. The windows have been partially replaced with double-glazed units, and the heating system is central. The entrance door is double, and there is also an intercom and a small storage room.

In Kiiviili, you can also purchase a three-room apartment priced at €6,000, with an area of 56 m². It is located in a five-story building that has 85 apartments and requires renovation, including plumbing replacement, as the gas in the apartment has been turned off. However, the city has all the necessary infrastructure, and good bus and train routes ensure transport accessibility to Tallinn. The distance to the bay is about 12 km, and to the capital, it is only 2 km.

In Kiviõli, a one-bedroom apartment is also available for €6,000, with an area of 32 m².

Real estate in Estonia

Real estate in Estonia offers a variety of interesting options for both permanent living and vacationing. In the picturesque northeastern region of the country, in the heart of a small green town, a cozy two-room apartment is for sale.

It is located on the third floor of a multi-story building that has 102 apartments. The total area is 49 square meters. The apartment is fully ready for living and is free of furniture. The property features modern electric heating and a boiler for hot water.

A children's play complex is located right next to the windows, making this place ideal for families with small children. From a transportation perspective, the accommodation is conveniently located — bus routes and trains are nearby, providing comfortable travel to neighboring cities and the capital, which is just 9 kilometers away.

One-bedroom apartment in Sillamäe

Another offer is a one-bedroom apartment in Sillamäe, located on the shores of the Gulf of Finland. The area of this apartment is 32 square meters, and it is situated on the first floor of a four-story brick building at Ranna 27.

The interior space includes:

• hallway,
• combined bathroom
• living room,
• kitchen and
• a small storage room.

The apartment windows face south and southeast, which provides good lighting from the sunlight.

Three-room apartment in Püssi

For those who prefer something more spacious, a three-room apartment in Püssi with an area of 58 m² is available on the market. This apartment is located on the third floor of a ten-story building and has just undergone a complete renovation.

During the update, the following were replaced:

• all plumbing communications,
• radiators and
• windows.

New furniture and decor elements that have not yet been installed are also provided here. The apartment is vacant and ready for immediate occupancy.

Four-room apartment in Pärnu

In addition, a four-room apartment with an area of 78 m² is for sale in Pärnu. More detailed information about this property can be obtained from the specialists at Habita.

If you are interested in housing in Ida-Viru County, you should consider a two-room apartment that has been completely renovated. It stands out with its bright and cozy rooms, stretch ceilings, and modern appliances.

Three-room apartment in Roosna-Alliku

A stylish and spacious three-room apartment with cozy balconies is also for sale. The total area is 68 m², and the quality of the renovation work and stylish furniture make it particularly attractive.

This apartment is located in the picturesque area of Roosna-Alliku, which is just a 15-minute drive from the city of Paide and about 55 minutes from Tallinn.

Land plots on the island of Saaremaa

In addition to residential properties, there are also plots of land available on the island of Saaremaa, which are characterized by picturesque landscapes and clean seas.

These plots are perfect for:

• construction
• nature lovers,
• fishing and hunting,
• as well as mushroom and berry pickers.

The land plots are offered with the possibility of agricultural use and have access to the coast, which opens up unique opportunities for leisure and recreation.

Conclusion

In the end, Estonia offers a variety of real estate options, including both apartments and land plots, making the country attractive for both permanent residence and for creating a countryside getaway.

Real estate in Tallinn from Habita International Estates Ltd

In the capital of Estonia, Tallinn, Habita International Estates Ltd offers a variety of real estate options that will appeal to both potential investors and those looking for a comfortable place to live.

One-bedroom apartments

For example, you can purchase a modern one-bedroom apartment with a total area of 34 square meters for92,000 €located on Pinna Street, just ten minutes from the coast. The local infrastructure is well-developed, making this area particularly attractive for living.

Three-room apartment

Another interesting option is the apartment with an area of66 m²for185,000 €These three-room apartments are located in Tallinn and have two bedrooms, making them ideal for families with children.

If you need additional information about the available housing options, feel free to contact the representatives of Habita.

Land plot in Kuusalu

In addition, the company is offering a plot of land for sale in the prestigious area of Kuusalu for195,000 €The area of this land plot is10,582 m²And on its territory, according to the detailed plan, it is possible to build up to six buildings, including a two-story residential house and five non-residential premises.

The plot is just half an hour's drive from Tallinn, and it's only a short distance to the sea.600 meters.

Studio apartment in the city center

In the heart of Tallinn, a studio apartment is available for209,000 €which occupies an area46 square metersand includes a closed balcony.

This apartment has a equipped sauna, which adds comfort, and the heated area is46.4 m²that, along with the balcony, provides enough space for comfortable living.

Fully renovated apartment

If you are looking for a more spacious option, you can find a fully renovated apartment in the old town of Tallinn for240,000 €, with an area of46 square metersThis bright studio can easily be transformed into a cozy two-room apartment.

The apartment is for sale with furniture and necessary appliances, including an induction stove, refrigerator, and dishwasher.

Two-room apartment with a balcony

For those who prefer more space, a two-room apartment with a balcony is available for sale.290,000 €, the total area of which is76 m².

This apartment is located in a residential complex designed by the renowned architect Meelis Press and is just a few steps away from the sea. The modern interior of the apartment features natural ash parquet flooring, creating an atmosphere of comfort and style.

Four-room apartment

There is also a four-room apartment available on the top floor of a five-story building for295,000 €with an area87 square metersand a balcony. This is a great option that can be used to set up a home office due to the ample space.

Summer comfort is provided by built-in air conditioners.

Unique apartment in a historic tower

It is worth noting a unique apartment located in the medieval tower of Hattorpe-Tagune, priced at298,000 €and an area of55 square metersThis apartment holds a special place in the Tallinn real estate market due to its historical value and unique layout design.

Conclusion

It can be confidently said that Tallinn offers a variety of attractive options for both comfortable living and profitable investments. Habita International Estates Ltd is ready to assist in finding the perfect home in this beautiful city.

Historical Defensive Tower and Apartment in Tallinn

At the end of the 14th century, a defensive tower was built, which in 1879 was combined with a magnificent building in the neo-Gothic style, featuring an impressive entrance. From the balconies and windows of this apartment, there is a breathtaking panoramic view of the port of Tallinn and its historic part.

Currently, an apartment is for sale in Tallinn from Habita International Estates Ltd at the price of395,500 €Its area is 65 square meters. This is a new two-room apartment (65.3 m²) located in a prestigious area.Pyritesurrounded by pine forests and located just 3.5 km from the sandy beach of Pirita and the yacht harbor. The public transport stop is right at the entrance to the residential complex.

The building is made of monolithic reinforced concrete, which provides excellent sound insulation between the apartments, with wall thickness reaching240 mmTo enhance security, video surveillance is provided. The windows face south, allowing the apartment to be filled with natural light.

Food expenses in Tallinn

According to market research, the average food expenses in Tallinn amount to about200–250 eurosper person per month, assuming that most of the food is prepared at home. Grocery prices in Estonia are quite reasonable compared to other European countries:

• A carton of milk - about0.75 euros
• Bread –0.5-1.0 euros
• 10 eggs - about1.5 euros
• A kilogram of rice –1.4 euros
• Chicken fillet - approximately5.8 euros
• A kilogram of beef is approximately9.5 euros
• A kilogram of vegetables and fruits is about1-2 eurosdepending on the season

Variety of Fast Food

As for "fast food," the selection here is also quite extensive. In supermarkets, you can find ready-made sandwiches priced at around1.3 eurosmeat dishes from8.5 eurosper kilogram, salads from4.5 eurosfor a kilogram and side dishes from1 europer kilogram. Well-known fast-food chains like McDonald's offer a combo meal for about6 euros...and street food kiosks can offer a set of fries with a sausage and coffee for just5 euros.

Cost of Lunches and Coffee

Lunch in inexpensive cafes will cost7-9 euros...while a restaurant in the city center can charge at a higher level.60 eurosA cup of cappuccino costs about2-3 euros.

Public Transport and Fares

As for public transport, the price of a single trip ranges between1.5 and 2 eurosThe monthly transit pass costs around30 eurosStudents with ISIC and Scholar cards have the opportunity to take advantage of a discount on50%.

Taxi and Gas Prices

The taxi service costs0.6 eurosfor each kilometer, an initial fee of2.5 eurosOn landing. A liter of gasoline costs on average1.2 eurosthat is considered quite a reasonable price.

Mobile Communication and Tariffs

Mobile communication in Estonia is also relatively inexpensive compared to other countries in the European Union. For example, the operator Elisa offers various tariff plans, among whichPremium packageit's worth9 eurosIt includes unlimited calls within the network, nine hours of calls to other networks, one hour of calls to EU countries and Russia, as well as100 SMSand5 GB of internet.

Leisure Culture and Prices

As for leisure, movie tickets cost around5-7 eurosand the theater performances will cost12-30 eurosA gym membership can cost from40 to 55 eurosper month.

Investment Attractiveness

From the perspective of investment attractiveness, according to the kinnisvara24 portal, the rental yield for housing in Tallinn ranges from3.1 to 7.6%Depending on the location. For example, in the Old Town, the yield is usually lower because the cost of apartments here is initially higher.

Renting out property in Lasnamäe can generate significant income, but it's important to understand that the risk of vacancies is much higher here than in more central parts of the city.

Rental prices for short-term square meters in Tallinn range from 20 to 120 euros, and these figures depend on the level of comfort and the location of the property.

During peak demand season, rental prices can double, highlighting the dynamism of the local market.

Rental Rates

Rental rates in Tallinn range from 20 to 120 euros. During periods of increased interest from tenants, housing prices can double, which should be taken into account when planning your investment strategy in the market.

The rental market in Tallinn offers many opportunities, but it is important to keep in mind the potential risks and uncertainties.

Taxation of Rental Income

As for the tax regime for rental income, it depends on many factors.

• When renting an apartment to an individualThe owner is required to report their income from the previous year in their tax declaration, based on the amount specified in the rental agreement. The tax rate is 20%, but it is possible to deduct 20% of the expenses related to the maintenance and improvement of the property, provided that there are supporting documents.
• Future changes in legislationThe measures that the Estonian Ministry of Finance plans to introduce could lower the tax rate to 16%, which should help increase the number of tax returns filed and expand the opportunities for deductions.

In the second case, if an individual rents out their property to a legal entity, the company independently withholds 20% of the owner's income tax and transfers these funds to the tax authorities.

• In this case, deductions for real estate expenses are also possible, but they are subject to different rules than the previous option.

Tax Residents

Tax residents of EstoniaThose who are in the country for more than 183 days within 12 months are entitled not to file a tax return if their total income does not exceed 6,000 euros, including all deposits into personal accounts.

Deadlines for Submitting the Declaration

The tax declaration submission period is set from February 15 to April 30 of the following year. The application can be submitted through the personal account system on the Tax and Customs Department's website, sent by mail, or presented in printed form at the nearest office.

The tax should be paid by October 1 to the relevant tax authority details, which can be done through online banking or the official account on the portal.

You can find detailed information about income tax payment rules on the official website of the Tax and Customs Department, which also provides information on debt repayment.

Management Companies

In Estonia, there are management companies that offer a standard set of services for housing maintenance.

These companies are responsible for:

• technical condition of the facilities;
• control over the payment of utility bills;
• search for tenants;
• solution to daily issues in interaction with the management organization.

The prices for services provided by management companies can vary depending on the agreements made and the specific terms of the contract, which makes choosing a company an important step in the property management process.

Real estateagency commissions

Some real estate agencies have a policy of charging a commission only on rental income. In such cases, the commission percentage is usually around 10%. At the same time, there are companies that set fixed fees and also charge additional amounts based on the profit from renting out properties.

The state of the real estate market in Estonia

As for the situation in the Estonian real estate market, the current state of affairs is optimistic. Despite the global crisis caused by the COVID-19 pandemic, the real estate market in this country has proven to be much more resilient than many might have expected. Activity in housing transactions has reached its highest levels since 2006, and apartment prices, especially in the capital Tallinn, have started to rise noticeably.

The number of transactions in the real estate market in Estonia continues to increase, and Tallinn remains the center of these events. It is worth noting how the coronavirus pandemic has affected the market and the daily lives of citizens.

Taxes on real estate sales

When it comes to taxes on real estate sales, it's important to know that the current tax rate is 20% of the difference between the purchase price and the selling price of the property. For example, if you bought an apartment for 50,000 euros a year and a half ago and are now selling it for 70,000 euros, your taxable base would be 25,000 euros, which would result in a tax payment of 4,000 euros. However, there are several important exceptions to this rule.

Tax exemptions

• Primary place of residence:If you sell a property that has been your primary residence and you have owned it for more than two years, no tax will be charged.
• Area of the plot:In the case of a private house, to comply with this rule, the area of the adjacent territory should not exceed 0.25 hectares.
• Commercial use:If part of your home was used for business purposes, such as being rented out, the tax will only be applied to that portion, and the amount will depend on the area used for commercial purposes.
• Privatization:Taxes are not paid if the property was privatized in accordance with all necessary documents, returned after the land reform, or was illegally seized during the Soviet era.

Deductions from the taxable base

As for the possibilities of reducing the taxable base, you can account for all expenses related to property improvements, as well as costs associated with the transactions themselves, tax payments, and other financial obligations. The main condition is the availability of all supporting documents, which will significantly reduce the taxable amount or even allow you to avoid tax altogether.

Inherited property

If you have inherited property, its initial value is considered to be 0 euros. This means that when you sell it, you will need to pay 20% on the total income unless you can prove that you lived in the property on a permanent basis. An example of such a situation could be the transfer of an apartment from a grandmother to her granddaughter through a gift deed. In such cases, it is advisable to arrange a power of attorney for the sale.

Several real estate properties

If you own several apartments and have held them for at least two years, you will only need to pay tax on one apartment, which is the one you have lived in permanently. Therefore, being aware of the nuances of taxation and property rights will help you navigate the real estate sector in Estonia better and avoid unnecessary financial losses.

Conclusion

In concluding my review of property taxes and utilities in Estonia, I want to emphasize how important it is to understand the legal and financial aspects related to property ownership in this country. Despite the absence of an annual property tax, owners still need to consider the land tax, which can vary significantly depending on the region. This knowledge is especially relevant for those considering options for buying or renting housing in cities like Tallinn or Tartu.

Tax benefits

It is also important to remember the benefits that can reduce the tax burden on owners, as well as the conditions under which they apply. In addition to taxes, stable expenses include utilities, the rates of which have significantly increased in recent years. Up-to-date information on rates and payment methods will be useful for every owner to optimize their expenses.

Construction nuances

Moreover, I've noticed that in Estonia there are many nuances in the regulation of construction and auxiliary works that require prior approval and payment of fees. This can come as a surprise to new owners, so I strongly recommend studying the local laws and regulations before starting any construction projects.

Final recommendations

In summary, I would like to remind you that property owners in Estonia face a range of both tax and utility obligations. However, if you navigate these issues correctly and stay informed about current changes, you can avoid most potential problems. For detailed information, I recommend consulting official sources.

Key aspects:

• Land plot taxIt may vary depending on the region.
• Benefitsthat can reduce the tax burden.
• Current rateson utility services and their increase in recent years.
• Building codesand the necessity of complying with legal requirements.

Thus, knowledge of local legislation and the ability to adapt to changes in a timely manner will indeed help make the process of owning property in Estonia more comfortable and transparent.