Enforced apartment share, studio apartment according to the articles of association (50 m²), Jyväskylä

Presentation of offers

The property will be sold by auction bids in an online auction held on the website www.huutokaupat.com between 28.8.–20.9.2026. Participation in the auction 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 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 purchase bids via the Huutokaupat.com service, the prospective buyer may submit a written purchase bid to the enforcement authority, which will be included in the online auction as the maximum bid in accordance with the automatic bidding system. 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 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 17.9.2026 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 terminate the sale or extend the selling time.

Buyer's liability for compensation

Bids submitted in the online auction are binding. If a made 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 20 per cent 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 will be deemed the buyer.

Payment period

A payment period for the remaining purchase price may, if necessary, be granted until 19.10.2026. The payment period must be stated separately. If a payment period is used, annual interest on the entire 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 promptly after acceptance of the bid.

If payment is not made within the prescribed time, the buyer must pay default interest on the entire 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 held. The default interest rate is currently 9.50%.

Obligations and rights transferred to the buyer

Obligations arising from the previous owner’s failure to pay charges and fees transfer to the buyer

Under Chapter 3, Section 7 of the Housing Company Act, the new owner of the share is, together with the previous owner, liable for unpaid company charges and the payment referred to in Chapter 3, Section 2(2). The maximum liability of the new owner is equal to the total amount of company charges for the month in which ownership transferred and the immediately preceding five months.

The new owner is, however, not liable for any company charge or payment neglected by the former owner that is not mentioned in the property manager’s certificate and that became due before the date of the certificate. According to the property manager’s certificate, the new shareholder must pay 1 676.88 euros as of 24.8.2026 if they wish to take possession of the apartment. Note! The amount of arrears may change during the realisation process. The arrears are not deducted from the purchase price.

According to the property manager’s certificate, the apartment has been under the control of the housing company from 26.8.2023 to 26.8.2026. The apartment has been let by the housing company, but the tenant’s right to possess the share apartment ended on 26.8.2026. However, under Chapter 8, Section 7 of the Housing Company Act, the tenant’s right to possess the share apartment ends without notice no later than when the period of possession by the company ends, regardless of any agreement on the duration of the tenancy.

Company loan shares pertaining to the apartment

In addition to the purchase price payable in cash, a company loan share of 43 204.88 euros as of 31.8.2026 transfers to the buyer in respect of the apartment.

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

The buyer must themselves ensure payment to the housing company of the apartment-related obligations for which they are responsible. Bids made in the online auction should be calculated taking these matters into account.

Other information

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

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

Appeal

An enforcement complaint concerning the sale and any action related to or preceding the sale must be lodged within three weeks from the sale date. Instructions for appeal are attached to the sales decision.