Seized apartment share (2 rooms + kitchen) 56 m², Karsikkotie, Jyväskylä, Jyväskylä

How to submit bids

The lot will be sold by ascending bids in an online auction on the website www.huutokaupat.com during the period 27 February–22 March 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 service provider’s system availability. The highest bid is the one the service 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 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 an accepted bid results in a sale, the bidder is obliged to pay the bid price within the agreed payment period. Failure to pay the offered purchase price may lead to the buyer’s liability for compensation under section 25 of chapter 5 of the Execution Act.

If it is not possible to make purchase offers 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 according to the automatic incrementer. The written offer must be signed and must show the bidder’s contact details, the maximum bid amount and the Huutokaupat.com lot number to which the offer relates.

A written purchase offer is binding and is subject to the same conditions as bids in the online auction. The offer must be submitted by 12:00 on 20 March 2026 to the Enforcement Authority’s Jyväskylä office, address Vapaudenkatu 54, 40100 Jyväskylä, or by e‑mail to jyvaskyla.realisointi.uo@oikeus.fi.

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

Deposit

The buyer must immediately pay a deposit of 20% 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 regarded as the buyer.

Payment period

The remaining purchase price may, if necessary, be granted a payment period of up to six weeks. The payment period must be agreed separately. If a payment period is used, annual interest shall be charged on the whole purchase price in accordance with section 3(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 granted, the purchase price must be paid immediately after the acceptance of the bid.

If payment is not made within the time set, 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 has been paid or a new sale has been completed. The current default interest rate is 9.50%.

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

Effect of taking the flat into possession for the new owner

Under section 7 of chapter 3 of the Housing Companies Act, the buyer is liable for unpaid housing company charges attributable to the flat for the month when ownership transferred and the five preceding months to the extent of the monthly charge. Because the residential unit has been taken into company possession, the new owner has the right under the Housing Companies Act to obtain possession before the end of the possession period after having paid, with interest, all costs arising from taking into possession, the company’s costs for repairing the share apartment and unpaid housing company charges and any charge amounts that fall due during the period of possession (Housing Companies Act, chapter 8, sections 7 and 6(2)).

The current amount and the new owner’s liability for the above arrears is, according to the property manager’s certificate dated 20 January 2026, €2,295.33. The amount of this claim may change during the realisation process. Default interest also accrues on outstanding claims.

Loan liabilities attached to the apartment

In addition to the cash purchase price, the buyer will assume the company loan shares of €1,249.98 + €260.23 = €1,510.21 as at 31 December 2025.

The loan share attached to the flat remains payable by the buyer and is not paid from the purchase price.

The buyer must arrange for the fulfilment of the obligations related to the flat that are their responsibility 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%. The tax is calculated on the total amount of the purchase price and the obligations transferred to the buyer as at the date of transfer of ownership.

Transfer of possession and ownership

The buyer will obtain the right of possession to the lot when 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 reduces its value before receiving the deed of sale. The buyer obtains ownership of the lot upon receipt of the deed of sale. The deed of sale will be delivered when the sale is legally valid and the full purchase price and transfer tax have been paid.

Registration of ownership

The housing company has transferred the share register to the real estate information system maintained by the National Land Survey. The buyer must apply for registration of ownership within two months of the date on the deed of sale. The National Land Survey will cancel the paper share certificate at the same time as the ownership is registered. The buyer is responsible for the registration costs.

Other information

The asset has been seized and is sold by free sale conducted by the enforcement officer, observing, as applicable, the general auction terms laid down in the Execution Act. The sales brochure is indicative and does not provide a comprehensive description of the lot.

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

Appeals

An appeal against the sale and any action related to or preceding the sale must be made within three weeks from the date of the sale. An appeal instruction will be attached to the sales decision.