Seized apartment 2 rooms + kitchenette + glazed balcony in Lutakko, Jyväskylä

How to make bids
The property is sold by upward bidding in an online auction held on the www.huutokaupat.com website between 25/02/2026 and 22/03/2026. 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 decide separately whether to accept or reject the highest bid.

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 under section 25, chapter 5 of the Code of Enforcement.

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

Terms of payment

Deposit

The buyer must immediately pay a deposit of 20 percent of the purchase price to the Enforcement Authority’s official account. The deposit cannot be paid by credit card. The Enforcement Authority will contact

the bidder whose bid has been accepted as highest. 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, up to six weeks’ payment time may be granted for the remaining purchase price. Payment terms must be agreed separately. If a payment period is granted, annual interest under section 3(2) of the Interest Act

must be paid on the whole 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 acceptance of the bid.

If payment is not made within the time limit, the buyer must pay default interest under section 4(1) of the Interest Act on the whole purchase price until the purchase price is

paid or a new sale has taken place. The default interest rate is currently 9.50%.

Obligations and rights transferred to the buyer

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

The apartment being sold has been taken into the company’s possession for up to three years by a decision of the general meeting on 15/12/2025. The share is subject to the housing company receivables stated below. The legal significance of the receivables and the taking into possession for the buyer is determined by the following provisions:

* Buyer’s personal liability for the previous owner’s unpaid charges and defaults:

Under section 7, chapter 3 of the Housing Companies Act, the new owner is jointly liable with the previous owner for the previous owner’s unpaid maintenance charges and other payments referred to in section 2(2) of chapter 3. The maximum liability is equal to the sum of the maintenance charges and payments for the month in which ownership

transferred and the five months immediately preceding it. However, the new owner is not liable for an unpaid maintenance charge or payment of the previous owner that is not stated in the property manager’s certificate and that fell due before the date of the certificate.

* Effect of the apartment’s taking into possession for the new owner in other respects:

Because the apartment has been taken into the company’s possession, the new owner has the right to obtain possession before the end of the possession period after paying, with interest, all costs arising from the taking into possession, the costs for repairs to the apartment charged to the company and unpaid maintenance charges and those instalments of charges that fall due for the shareholder during the period of possession (Housing Companies Act, chapter 8, sections 7 and 6(2)).

* Amount of overdue receivables:

Please note that the price offered by the buyer is not a so-called debt-free price. The buyer is responsible for paying the housing company’s receivables attached to the share directly to the company in a manner separately agreed with the property manager. They are not paid from the sale price in enforcement sales. The buyer should take into account the amount of receivables attached to the share when making an offer.

The new owner’s liability for unpaid overdue maintenance charges and corresponding payments is, according to the property manager’s information, €12,487.93 as of 06/02/2026.

Further, the buyer should note that interest on receivables will accrue and that additional charge instalments may fall due during the sales process, which will encumber the share with the legal effects described above. Of the housing company’s receivables, an amount of €12,135.57 (as of 20/02/2026) is also currently in enforcement proceedings on the basis of the company’s enforcement application. A partial payment reducing the receivable may possibly be made from the share’s purchase price under enforcement. However, the occurrence and amount of any such payment cannot be predicted with certainty.

Housing company loans, unpaid maintenance charges and costs arising from taking the apartment into possession are included in the tax base for transfer tax.

Loan shares attributable to the apartment

In addition to the cash purchase price, the buyer will assume a share of the company’s loans amounting to €95,958.78 as of 06/02/2026.

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

The buyer must arrange for the fulfilment of the obligations related to the apartment that become their responsibility towards the housing company. Bids in the online auction should be sized with these matters in mind.

Transfer tax

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

Transfer of possession and ownership

The buyer obtains the right of possession to the sale object when the whole 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 of sale.

The buyer acquires ownership of the sale object upon receipt of the deed of sale. The deed of sale will be delivered when the sale is legally binding and the whole purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred the share register to the apartment information system maintained by the National Land Survey. The buyer must apply to register their ownership within two

months of the date of the deed of sale. The National Land Survey will cancel the paper share certificate when ownership is registered. The buyer is responsible for the costs of registration.

Other information

The property has been seized and it is sold by the enforcement officer by public sale, following, as applicable, the general auction terms provided in the Code of Enforcement. The sales brochure is indicative and does not provide a complete description of the sale object.

Buyers are urged to familiarise themselves carefully with the sale object, the sales brochure and the attached documents before placing a bid.

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. Instructions on appeals are attached to the sales decision.