Seized two-room apartment in Vaajakoski, Jyväskylä

How to place bids

The lot will be sold by incremental bids in an online auction held on www.huutokaupat.com between 1 July and 9 August 2026. Participation requires registration. The bidding period ends at 18:00 or three minutes after the last accepted bid.

The Enforcement Authority is not responsible for the service provider’s system. The highest bid is the one the service provider’s system has accepted as highest. The enforcement officer will separately decide whether to accept or reject the highest bid.

If it is not possible to place bids via Huutokaupat.com, a prospective 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. Written offers must be signed and state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com lot number the offer concerns. A written offer is binding and subject to the same terms as the online auction. Written offers must be submitted no later than 12:00 on 6 August 2026 to the Enforcement Authority’s Jyväskylä office at Vapaudenkatu 54 or by email to jyvaskyla.realisointi.uo@oikeus.fi.

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

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 stated payment period. Failure to pay the offered purchase price may result in the buyer’s liability under the Enforcement Code (Chapter 5, Section 25).

Payment terms

Deposit

The buyer must immediately pay a deposit of 20 per cent 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 highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made; otherwise the highest bidder will be considered the buyer.

Payment period

A maximum payment period of six weeks may be granted if necessary. Any payment period will be notified separately. If a payment period is granted, annual interest must be paid on the full purchase price in accordance with the Interest Act (section 3(2)) for the entire agreed period from the sale date to the end of the payment period.

If a payment period is not granted, the purchase price must be paid immediately after the bid is accepted.

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

Obligations transferred to the buyer from the previous owner’s unpaid charges

The flat has been taken into the possession of the housing company due to unpaid charges. To end the possession, the buyer must pay the company’s outstanding arrears. Arrears as of 17 June 2026 total €2,006.84. The amount of arrears may change over time.

Share of the housing company loan attached to the flat

In addition to the cash purchase price, the buyer will take on a company loan share attached to the flat of €19,517.46 as of 31 May 2026. The company loan may be repaid monthly via the maintenance charge.

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

The buyer is responsible for fulfilling the obligations related to the flat that fall to them 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 will receive possession of the lot once the full purchase price and any obligations transferred to the buyer have been paid. The buyer must not use the property in a manner that reduces its value before receiving the deed of sale.

The buyer will receive ownership of the lot upon receipt of the deed of sale. The deed will be delivered when the sale is final, and the full purchase price and the transfer tax have been paid.

Registration of ownership

The housing company has transferred its share register to the apartment information system maintained by the National Land Survey. The buyer must apply to register ownership within two months of the deed date. The National Land Survey will cancel the paper share certificate when ownership is registered. The buyer is responsible for the registration costs.

Other information

The property has been seized and is sold by free sale conducted by the enforcement officer, applying the general auction terms of the Enforcement Code as appropriate. The sales brochure is indicative and does not provide a comprehensive description of the lot.

Prospective buyers are advised to inspect the lot, the sales brochure and the attached documents carefully before making a bid.

Appeals

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