Seized apartment share (4 rooms + kitchen + sauna) in Nenäinniemi, Jyväskylä

16/01/2026 attachments added:

• Building inspection

• Repair specification and attachments

• Financial statements 11/24–10/25

20/01/2026

Added legal provision to the section Buyer’s personal liability

How to submit bids

The property is sold by ascending bids in an online auction held on www.huutokaupat.com between 07/01/2026 and 28/01/2026. Participation requires registration. The bidding deadline ends at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider’s system functionality. The highest bid is the bid the service provider’s system has accepted as highest. The bailiff will decide separately whether to accept or reject the highest bid. The decision on acceptance or rejection will be made within two business days after the end of the sale or after a statement has been received from the secured creditor.

Bids placed in the online auction are binding. If an accepted bid is not paid, the bidder is obliged to pay the offered purchase price within the agreed payment time. Failure to pay the offered price may give rise to the buyer’s liability under section 25 of chapter 5 of the Enforcement Code.

If it is not possible to submit purchase bids through Huutokaupat.com, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be attached to the online auction as the maximum bid in accordance with the automatic increment. The written offer must be signed and state the bidder’s contact details, the maximum bid amount and the Huutokaupat.com lot number concerned.

The written purchase offer is binding and the same conditions as for the online auction apply. The offer must be submitted no later than 26/01/2026 at 12:00 to the Enforcement Authority’s Jyväskylä office, address Cygnaeuksenkatu 1, 40100 Jyväskylä, or by email to jyvaskyla.realisointi.uo@oikeus.fi.

The enforcement authority reserves the right to end the sale or extend the sale period.

Deposit

The buyer must immediately pay a deposit equal to 20% of the purchase price into the Enforcement Authority’s official deposit account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made; otherwise the highest bidder will be considered the buyer.

Payment period

A payment period may be granted until 25/02/2026 if agreed separately. If a payment period is granted, annual interest under section 3(2) of the Interest Act will be charged on the entire purchase price for the agreed payment period from the date of sale until the payment period ends.

If no payment period is granted, the purchase price must be paid immediately after acceptance of the bid.

If payment is not made in time, the buyer must pay default interest under section 4(1) of the Interest Act on the whole purchase price until it is paid or a new sale is completed. The current default interest rate is 9.50%.

Buyer’s personal liability for previous owner’s unpaid maintenance charges and defaults

Under section 7 of chapter 3 of the Housing Companies Act, the new owner of a share is, together with the previous owner, liable for unpaid housing company charges and the payment referred to in section 2(2). The new owner’s maximum liability equals the total housing charges for the month when ownership transferred and the five preceding months. However, the new owner is not liable for unpaid charges or payments by the previous owner that are not stated in the manager’s certificate and that fell due before the date of the certificate.

Unpaid charges with interest according to the manager’s certificate (14/11/2025) amount to €3,317.32. The manager has stated the arrears as €3,478.67 on 16/12/2025. Receivables will be updated before transfer of ownership. The housing company is responsible for specifying the exact amounts. The buyer is responsible for the housing company’s receivables.

Apartment’s share of company loans

In addition to the cash purchase price, the buyer will take over a share of the company’s loans of €0 as of 14/11/2025.

The apartment’s share of the company loan remains payable by the buyer and is not paid from the purchase price.

The buyer must ensure payment of obligations related to the apartment to the housing company. Bids in the online auction should take these matters into account.

Transfer tax

The buyer is obliged to pay transfer tax of 1.5%. The tax is calculated on the combined amount of the purchase price and the obligations transferred to the buyer as of the date of transfer of ownership.

Transfer of possession and ownership

The buyer will receive possession of the lot when the full purchase price and any obligations to be paid by the buyer have been paid. The buyer must not use the property in a way that reduces its value before receiving the deed. Ownership transfers to the buyer when the deed is delivered. The deed will be delivered when the sale is final and the full purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred the share register to the National Land Survey’s apartment information system. The buyer must apply to register ownership within two months of the deed date. The National Land Survey will cancel the paper share certificate when ownership is registered. The buyer is responsible for the registration costs.

Other information

The property has been seized and is sold by the bailiff by public sale in accordance with the relevant provisions of the Enforcement Code. The sales brochure is indicative and does not provide a comprehensive description of the lot.

Buyers are urged to familiarise themselves thoroughly with the lot, the sales brochure and the attached documents before placing a bid.

Appeal

An enforcement appeal against the sale and actions related to or preceding the sale must be made within three weeks from the date of sale. The appeal instructions are attached to the sales decision.