Foreclosed apartment in an apartment block, 3 rooms + kitchen, 74.5 m² in Viitasaari, Viitasaari

Essential information affecting the sale value

The apartment’s share of the housing company loan as of 31 December 2025 is EUR 8,443.00. The apartment has been taken into the possession of the housing company. To end the possession, the buyer must pay the claims underlying the possession; balance as of 17 August 2026 is EUR 5,380.63. The amount

increases over time. The apartment is currently vacant.

Property-specific terms of sale

The object is sold by ascending bids in an online auction on the www.huutokaupat.com website from 19 August 2026 to 13 September 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 functioning 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 it is not possible to submit bids through the Huutokaupat.com service, a prospective buyer may submit a written purchase offer to the enforcement authority, which will be included in the online auction as the maximum bid according to the bidding system. The written

offer must be signed and must state the bidder’s contact details, the maximum amount of the offer and the Huutokaupat.com item number to which the offer relates. The written purchase offer is binding and the same terms apply to it as in

the online auction. The offer must be submitted no later than 10 September 2026 at 12:00 to the Jyväskylä office of the Enforcement Authority, address Vapaudenkatu 54, 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 damages

Bids submitted in the online auction are binding. If a bid made is accepted, the bidder is obliged to pay the offered purchase price within the notified payment period. Failure to pay the offered purchase price may result in the buyer’s liability for damages under Chapter 5, Section 25 of the Enforcement Code.

Terms of payment

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

If necessary, up to six weeks’ time for payment may be granted for the remaining purchase price. The payment period must be stated separately. If a payment period is used, annual interest must be paid on the entire purchase price for the full agreed payment period from the date of sale until the end of the payment period, in accordance with Section 3(2) of the Interest Act.

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 late-payment 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 carried out. The current late-payment interest rate is 9.50%.

Obligations and rights transferred to the buyer

The buyer’s personal liability for the former owner’s unpaid charges and payment defaults. The apartment has been taken into the possession of the housing company. To end the possession, the buyer must pay the claims underlying the possession; balance as of 17 August 2026 is EUR 5,380.63

euros. The amount changes over time.

Housing company loan shares attached to the apartment

In addition to the cash purchase price, the buyer assumes responsibility for the housing company loan share attached to the apartment as of 31 December 2025, EUR 8,443.00.

The housing company loan share remains payable by the buyer and is not included in the purchase price. The loan share may be paid monthly as finance charge.

The buyer must themselves ensure the performance of the obligations relating to the apartment for which they are responsible to the housing company. Bids in the online auction should take these matters into account.

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