Enforcement-seized detached house in Jämsä, Jämsä

Property-specific terms of sale

The item is sold by ascending bids in an online auction organised on the www.huutokaupat.com website from 17.08.2026 to 06.09.2026. 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 functionality of the service provider’s system. The highest bid is the bid that the service provider’s system has accepted as the highest. The enforcement officer decides separately whether to accept or reject the highest bid.

If bids cannot be submitted through the Huutokaupat.com service, the prospective buyer may submit a written bid to the enforcement authority, which will be included in the online auction as a maximum bid according to the incrementing automaton. The written bid must be signed and must state the bidder’s contact details, the maximum amount of the bid and the item number on Huutokaupat.com to which the bid relates. The written purchase offer is binding and the same terms apply as in the online auction. The bid must be submitted no later than 03.09.2026 at 12.00 to the Jyväskylä office of the Enforcement Authority, address Vapaudenkatu 54, 40100 Jyväskylä, or by email to jyvaskyla.realisointi.uo@oikeus.fi.

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

Buyer’s liability for compensation

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 stated 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 20% of the purchase price as a deposit into the Enforcement Authority’s official funds account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the bidder of the highest accepted bid. The bidder of the highest bid must state on whose behalf the bid was made. Otherwise, the bidder of the highest bid is deemed to be the buyer.

If necessary, a payment period of up to six weeks may be granted for the remaining purchase price. Any payment period must be agreed separately. If a payment period is used, annual interest on the full purchase price must be paid 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 used, the purchase price must be paid without delay after acceptance of the bid.

If payment is not made within the prescribed time, the buyer must pay default interest in accordance with Section 4(1) of the Interest Act on the entire purchase price until the price has been paid or a new sale has been conducted.

Obligations and rights transferred to the buyer

The buyer is responsible for any fees charged for the transfer of utility connection agreements. According to the notice dated 13.08.2026, no arrears on electricity or water-sewer connections will be transferred.

Mortgages

No mortgages.

Applying for title and paying transfer tax

The buyer must apply for title to the property within six months of the date of the deed of sale. The buyer must pay transfer tax on their own initiative no later than when applying for title. The transfer tax is 3% of the purchase price.

If, at the buyer’s request, the application for title is initiated by the enforcement officer together with the property transfer notice, the transfer tax return must be filed and the transfer tax paid on the same day the property transfer notice is sent.

Release

See the sales brochure.

Transfer of possession and ownership

The buyer obtains possession of the property when the full purchase price has been paid. The buyer may not use the property in any way that reduces its value before receiving the deed of sale.

The buyer obtains ownership of the property upon receipt of the deed of sale. The deed of sale will be handed over when the full purchase price has been paid and the sale has become legally final.

Other information

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

Buyers are advised to familiarise themselves carefully with the property, the sales brochure and the attached documents before submitting a bid.

The State has a right of pre-emption in the purchase of real estate if the acquisition is necessary for ensuring national defence, border control or border security, or for monitoring or safeguarding territorial integrity (Act on the State’s Right of Pre-emption in Certain Areas 469/2019, 29 March 2019).

Persons from outside the EU and EEA may acquire real estate in Finland only if a permit is granted for the acquisition (Act on Certain Real Estate Acquisitions Requiring Permission 470/2019, 29 March 2019). The buyer is responsible for obtaining the permit and for the obligations arising from it. Further information is available on the website of the Ministry of Defence.

Appeal

An appeal against the sale or against an act related to or preceding the sale must be lodged within three weeks of the sale. Instructions for appeal will be attached to the sales decision.