Foreclosed garage in Lohikoski, Jyväskylä

Form of bids

The property will be sold by online auction with incremental bids on the website www.huutokaupat.com during 26 Aug 2026-20 Sep 2026. Participation in the auction requires registration. The deadline for bids is 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 it is not possible to submit bids via 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 the maximum bid according to the automatic bidding system. The written bid must be signed and include the bidder's contact details, the maximum amount of the bid, and the item number on the Huutokaupat.com service to which the bid applies. The written purchase bid is binding and the same terms apply as in the online auction. The bid must be submitted no later than 17 Sep 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 sale period.

Buyer's liability for compensation

Bids submitted in the online auction are binding. If a submitted 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 for compensation under Chapter 5, Section 25 of the Enforcement Code.

Payment terms

Deposit

The buyer must immediately pay a deposit of 20% of the purchase price into the Enforcement Authority's official assets 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.

Payment period

If necessary, a payment period of up to six weeks may be granted for the remaining purchase price. The payment period will be notified 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 sale date 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 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 has been paid or a new sale has been carried out. The current default interest rate is 9.50%.

Obligations and rights transferred to the buyer

The buyer assumes responsibility for obligations arising from the previous owner's unpaid charges and other payment defaults.

Arrears transferred to the buyer, see annex: sales brochure.

Essential information affecting the sale value

Loan share as at 31 Jul 2026: EUR 313.30. Arrears / takeover costs transferred to the buyer: EUR 1,095.34 as at 14 Aug 2026; the amount changes over time.

Other information

If a new shareholder wishes to obtain possession of the premises, the full overdue maintenance charge receivable, totalling EUR 645.34 as at 14 Aug 2026, must be paid to the housing company; the amount changes over time.

Company loan portion relating to the premises

In addition to the cash purchase price, the buyer assumes responsibility for the company loan portion relating to the premises, amounting to EUR 313.30 as at 31 Jul 2026. The company loan portion may be paid through the monthly maintenance charge.

The company loan portion relating to the premises remains payable by the buyer and is not included in the purchase price.

The buyer must personally ensure that the obligations relating to the premises for which they are responsible are fulfilled to the housing company. Bids made in the online auction must take these matters into account.

Transfer tax

The buyer is liable 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, as of the date of transfer of ownership.

Transfer of possession and ownership

The buyer acquires the right of possession of the property when the full purchase price and any obligations transferred to the buyer have been paid. The buyer may not use the property in a manner that reduces its value before receiving the deed of sale. The buyer acquires ownership of the property upon receipt of the deed of sale. The deed of sale will be handed over once the sale is legally binding and the full purchase price and transfer tax have been paid.

Registration of ownership

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

Other information

The property has been seized and is being sold by open sale conducted by the enforcement officer, applying the general auction terms laid down in the Enforcement Code as applicable. The sales brochure is indicative 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 making a bid.

Appeal

An appeal against the sale or any action related to the sale or preceding the sale must be made within three weeks from the date of sale. Instructions for appeal are attached to the sales decision.