Seized half of a semi-detached house, Saarijärvi

Method of submitting bids

The lot is sold by ascending bids in an online auction held on the www.huutokaupat.com website between 23 January and 15 February 2026. Participation in the auction requires registration. The deadline for submitting bids ends at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the functionality of the service provider's system. The highest bid is the one the provider's system has accepted as highest. The enforcement officer will decide separately whether to accept or reject the highest bid. The decision to accept or reject the highest bid will be made within two business days following the end of the sale, or after a statement has been received from the secured creditor regarding the sale.

Bids placed in the online auction are binding. If a bid is accepted, the bidder must pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer's liability to compensate in accordance with section 25, chapter 5 of the Enforcement Code.

If it is not possible to submit purchase bids through the Huutokaupat.com service, a prospective buyer may submit a written purchase bid to the enforcement authority, which will be attached to the online auction as a maximum bid according to the automatic increase mechanism. The written bid must be signed and must state the bidder's contact details, the maximum amount of the bid and the Huutokaupat.com item number to which the bid relates. The written purchase bid is binding and is subject to the same conditions as bids in the online auction. The offer must be submitted no later than 12 February 2026 at 12:00 to the Enforcement Authority's Jyväskylä office, address Cygnaeuksenkatu 1, 40100 Jyväskylä, or by e-mail 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 of 20% of the purchase price to the Enforcement Authority's official trust account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder whose bid has been accepted as highest. The successful bidder must state on whose behalf the bid was made. Otherwise the successful bidder will be regarded as the purchaser.

Payment period

A payment period may be granted for the remainder of the purchase price until 16 March 2026. The payment period must be agreed separately. If a payment period is used, annual interest will be charged on the whole purchase price in accordance with section 3, subsection 2 of the Interest Act for the entire agreed payment period from the date of sale until the end of the payment period. If no payment period is used, the purchase price must be paid without delay after acceptance of the bid.

If payment is not made within the specified time, the buyer must pay default interest on the whole purchase price in accordance with section 4, subsection 1 of the Interest Act until the purchase price is paid or a new sale has been completed.