Difficulty in acquiring loans for essential pipe renovations has become a critical issue, according to the Isännöintiliiton Pipe Renovation Barometer 2023. This situation poses a problem, particularly in areas where migration is negative. Isännöintiliiton believes that Finland needs a functional model for the orderly shutdown of apartment buildings. The Barometer report suggests that it is difficult for some of the apartment buildings to obtain loan financing for significant repairs.