Seized flat, 2 rooms + kitchenette + sauna, Jyskä, Jyväskylä

Submitting bids

The property is sold by ascending bids in an online auction held on www.huutokaupat.com between 25 March and 26 April 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 (Ulosottolaitos) is not responsible for the functionality of the service provider’s system. The highest bid is the one the service provider’s system has accepted as the highest. The enforcement officer will decide separately whether to accept or reject the highest bid. Bids submitted 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 the buyer’s liability for compensation under the Enforcement Code, Chapter 5, Section 25.

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, unless the buyer is assessed as clearly solvent. Acceptable forms of deposit are cash, equivalent payment instruments and security. Immediate crediting to the Enforcement Authority’s trust account FI93 8129 9710 0163 61 is also accepted. When paying to the trust account, use reference RF3935600000009230. Deposits cannot be paid by credit card.

Payment period

If the highest bid is accepted, up to six weeks’ payment period may be granted for the balance of the purchase price if necessary. If a payment period is not used, the purchase price must be paid immediately after the bid is accepted. If a payment period is used, annual interest is charged on the whole purchase price for the payment period in accordance with section 3(2) of the Interest Act from the date of sale until the end of the payment period. The reference rate is determined semi‑annually under section 12 of the Interest Act. If payment is not made within the agreed payment period, statutory late payment interest under section 4(1) of the Interest Act will be charged, which is seven percentage points above the currently applicable reference rate referred to in section 12 of the Interest Act.

Obligations and rights that transfer to the buyer

*Personal liability of the new owner for the previous owner’s arrears:

Under the Finnish Housing Companies Act, Chapter 3, Section 7, the new owner is jointly liable with the previous owner for the previous owner’s unpaid maintenance charges and other payments referred to in Chapter 3, Section 2(2). The maximum liability equals the total amount of maintenance charges and payments for the month in which ownership transferred and the five preceding months. However, the new owner is not liable for a previous owner’s unpaid maintenance charge or payment that is not mentioned in the manager’s certificate and that fell due before the date of the certificate.

The manager’s certificate records receivables from the owner of €17,829.92. Because the apartment has not been taken into the company’s possession by the housing company, the new owner is not liable for all of these items.

According to the property manager, the monthly maintenance charge is €207 / month, so the maximum liability would be €1,242 under the Housing Companies Act. For more details about the maximum liability, contact the property manager Heini Sulkula, who has the best knowledge of the company’s matters and arrears.

*Payment of matured 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 by separate arrangement with the manager. These are not paid out of the purchase price in the enforcement sale. The buyer should take the amount of receivables related to the share into account when making an offer.

As noted above, the new owner’s liability is limited to a maximum of six months’ worth of maintenance charges.

The buyer is responsible for any fees arising from the transfer of service agreements.

Other information

The property is seized and will be sold by a free sale conducted by the enforcement officer, following where applicable the general auction terms laid down in the Enforcement Code.

Prospective buyers are urged to familiarise themselves with the property, the sales brochure and the attached documents.

Transfer tax is 1.5% of the purchase price.

Appeals

An enforcement appeal against the sale and actions related to or preceding the sale must be made within three weeks from the date of sale. The instruction on how to appeal will be attached to the auction minutes.