Seized semi-detached property (half), Saarijärvi

Method of submitting bids

The item is sold by upward bids in an online auction held on the website www.huutokaupat.com between 20 February and 15 March 2026. Participation in the auction 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 availability. The highest bid is the bid that the service provider’s system has accepted as highest. The enforcement officer will separately decide to accept or reject the highest bid. The decision to accept or reject the highest bid will be made within two working days after the end of the sale or after a response 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 is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to buyer liability for compensation under section 25, chapter 5 of the Enforcement Code.

If it is not possible to place purchase bids via 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 the maximum bid according to 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 lot number to which the offer relates. A written purchase bid is binding and is subject to the same terms as bids in the online auction. The offer must be submitted no later than 12 March 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 to extend the sale period.

Deposit

The buyer must immediately pay a deposit of 20 per cent of the purchase price into the Enforcement Authority’s official 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 deemed to be the buyer.

Payment period

Payment time for the remaining purchase price may, if necessary, be agreed until 13 April 2026. Any payment period must be agreed separately. If a payment period is used, annual interest under section 3(2) of the Interest Act is payable on the entire purchase price for the agreed period from the sale date until the end of the payment period. If no payment period is granted, the purchase price must be paid without delay after acceptance of the bid.

If payment is not made within the agreed time, the buyer must pay default interest on the entire purchase price in accordance with section 4(1) of the Interest Act until the purchase price is paid or a new sale has taken place.

Other information
The property has been seized and will be sold by the enforcement officer by free sale, observing, where applicable, the general auction terms laid down in the Enforcement Code.

The sales brochure is indicative and is not a comprehensive description of the lot.

Buyers are advised to familiarise themselves thoroughly with the lot, the sales brochure and the attached documents before making an offer.

The State has a pre-emptive right to purchase the property if acquisition is necessary to secure national defence, border control or border security, or to monitor or safeguard territorial integrity (Act on the State’s Pre-emptive Right in Certain Areas 29 March 2019/469).

Persons from outside the EU and EEA may acquire real estate in the territory of Finland only if a permit is granted (Act on the Requirement of a Permit for Certain Acquisitions of Real Property 29 March 2019/470). The buyer is responsible for obtaining the permit and any resulting obligations. Further information is available on the Ministry of Defence’s website.

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