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

How to submit bids

The item is sold by ascending bids in an online auction held on www.huutokaupat.com from 4 February 2026 to 1 March 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 one the service provider’s system has accepted as highest. The enforcement officer will separately decide whether to approve or reject the highest bid. The decision to approve or reject the highest bid will be made within two working days of the end of the sale or after a statement has been received from the secured creditor regarding the sale.

Bids made in the online auction are binding. If an accepted bid is approved, the bidder is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer’s liability under Chapter 5, Section 25 of the Enforcement Code.

If it is not possible to submit purchase bids via the Huutokaupat.com service, 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 must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com item number to which the offer relates.

A written purchase offer is binding and the same conditions as in the online auction apply. The offer must be submitted no later than 25 February 2026 at 12:00 to the Enforcement Authority’s Jyväskylä office:

address until 20 February 2026: Cygnaeuksenkatu 1, 40100 Jyväskylä

address from 23 February 2026: Vapaudenkatu 54, 40100 Jyväskylä

or by email to jyvaskyla.realisointi.uo@oikeus.fi.

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

Deposit

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

Payment period

If necessary, time to pay the remaining purchase price may be granted until 30 March 2026. Payment terms must be agreed separately. If an extension is granted, interest at the annual rate set in 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 end of the payment period.

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

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(1) of the Interest Act until the price is paid or a new sale is completed. The current default interest rate is 9.50%.

Buyer’s personal liability for previous owner’s charge and payment defaults

Under Chapter 3, Section 7 of the Limited Liability Housing Companies Act, the new owner of the share is, alongside the previous owner, liable for any neglected housing company charges and for the payment referred to in Section 2(2). The new owner’s maximum liability equals the sum of the housing charges for the month in which ownership transferred and the five immediately preceding months. However, the new owner is not liable for a neglected charge or payment by the previous owner that is not mentioned in the property manager’s certificate and that fell due before the date of the certificate.

Unpaid charges in the property manager’s certificate (14 November 2025), including interest, are €3,317.32. The property manager stated on 16 December 2025 that the arrears amounted to €3,478.67. The receivable amounts will be updated before transfer of ownership. The housing company is responsible for stating the exact amount of receivables. The buyer is responsible for the housing company’s receivables.

Liabilities related to company loans for the apartment

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

The company loan share related to the apartment remains the buyer’s responsibility and is not paid from the purchase price.

The buyer must ensure that obligations related to the apartment are fulfilled towards 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 per cent. The tax is calculated on the total of the purchase price and any obligations transferred to the buyer, based on the date of transfer of ownership.

Possession and transfer of ownership

The buyer will receive possession of the item once the full purchase price and any obligations transferred to the buyer have been paid. The buyer must not use the property in a way that diminishes its value before receiving the deed. The buyer will receive ownership upon receipt of the deed. The deed will be handed over when the sale is legally valid and the full purchase price and the transfer tax have been paid.

Registration of ownership

The housing company has transferred its share register to the Real Estate Information System maintained by the National Land Survey. The buyer must apply to register ownership within two months of the deed date. The National Land Survey will invalidate the paper share certificate when ownership is registered. The buyer is responsible for registration costs.

Other information

The property has been seized and is sold by free sale conducted by the enforcement officer, observing where applicable the general auction terms laid down in the Enforcement Code. The sales brochure is indicative and not a comprehensive description of the item for sale.

Buyers are advised to thoroughly inspect the item for sale, the sales brochure and the attached documents before making an offer.

Appeals

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