Foreclosed apartment, 3 rooms + kitchen, 74.5 m², Viitasaari, Viitasaari

The property will be sold by ascending bids in an online enforcement auction held on the www.huutokaupat.com website during 29 April 2026–24 May 2026. Participation 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 operation of the service provider's system. 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.

If it is not possible to submit purchase bids through the Huutokaupat.com service, a candidate buyer may submit a written purchase offer to the enforcement authority, which will be attached to the online auction as a maximum bid according to the automatic increase mechanism. The written

offer must be signed and must state the contact details of the bidder, the maximum amount of the offer and the Huutokaupat.com item number to which the offer relates. A written purchase offer is binding and subject to the same terms as the online auction. The offer must be submitted no later than 21 May 2026 at 12:00 to the Enforcement Authority's Jyväskylä office, Vapaudenkatu 54, Jyväskylä, or by e-mail to iivari.jarvinen@oikeus.fi.

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

Offers submitted in the online auction are binding. If an offer is accepted, the bidder is obliged to pay the offered purchase price within the announced payment period. Failure to pay the offered purchase price may lead to the buyer's liability for compensation under Chapter 5, section 25 of the Enforcement Code.

Payment terms

The buyer must immediately pay a deposit equal to 20% 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 maker of the highest bid whose 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.

If required, up to six weeks' payment time may be granted for the remainder of the purchase price. Any payment period will be communicated separately. If payment time is granted, annual interest will be charged on the full purchase price in accordance with section 3(2) of the Interest Act for the agreed payment period from the date of sale until the payment period ends.

If no payment time is granted, the purchase price must be paid immediately after the offer has been accepted.

If payment is not made within the specified time, the buyer must pay default interest on the full purchase price in accordance with section 4(1) of the Interest Act until the purchase price is paid or a new sale has been arranged. The current default interest rate is 9.50%.

Obligations and rights transferred to the buyer

The buyer is personally liable for the previous owner's unpaid charges and payment omissions. The apartment is in the possession of the housing company. To end the possession, the buyer must pay the receivable on which the possession is based: €3,928.14 as of 13 April 2026. The amount will change over time.

Housing company loan shares attributable to the flat

In addition to the cash purchase price, the buyer will assume the housing company loan share attributable to the flat as of 31 December 2025: €8,443.00. The housing company loan share remains payable by the buyer and is not paid from the purchase price. The loan share can be paid via the financing charge. The buyer must ensure the fulfilment of the obligations relating to the flat towards the housing company. Bids in the online auction should be sized taking these matters into account.

Buyers are advised to familiarise themselves thoroughly with the sale item, the sales brochure and the attached documents before making a bid.