Estate of bankruptcy selling a share-owned apartment under the control of a housing company, Espoo

The seller reserves the right to accept or reject the highest bid.

Asianajotoimisto Kontturi & Co Oy is not obliged to accept the highest bid received; the seller may, at their discretion, accept or reject the highest bid.

The apartment shares are sold in a transaction between the buyer and seller, and huutokaupat.com is not a party to the transaction in any way.

No deposit is payable for the property.

If the buyer withdraws from the transaction or it otherwise fails to be completed for reasons attributable to the buyer, the buyer shall pay the seller fixed compensation of €1,000, but no more than 4% of the purchase price according to the bid.

Asianajotoimisto Kontturi & Co Oy is responsible for preparing the deed of sale and the costs of preparing it. The buyer is responsible for costs arising from registering title and transferring the share certificate. The buyer is also responsible for paying the transfer tax arising from the transaction.

Under Chapter 2, Section 8 of the Housing Companies Act (1599/2009), a decision to take possession of the apartment was made at an extraordinary general meeting on 17 July 2025. The apartment has been under the company's possession since 1 March 2026 for 3 years. The apartment is currently rented. The current amount of unpaid maintenance charges and other costs must be confirmed with the property manager on any potential completion date. To obtain possession of the apartment, the buyer must settle all unpaid maintenance charges.

Title to the shares in the apartment will pass from the seller to the buyer once the seller and buyer have signed the deed of sale and the buyer has paid the purchase price to the seller. The right of possession will pass to the buyer only once they have paid the housing company's overdue maintenance charge claims in accordance with Chapter 8, Section 7 of the Housing Companies Act. The buyer shall pay the purchase price according to the accepted bid to the seller at the deed-signing appointment. Asianajotoimisto Kontturi & Co Oy and the buyer shall agree separately on the date for signing the deed of sale.

Bids must be submitted by the time specified by the seller. The highest bid is the bid accepted by the seller as the highest. Asianajotoimisto Kontturi & Co Oy is not responsible for the error-free operation of the huutokaupat.com system.

The property is sold in the condition and with the equipment it has as described in the listing and at the time of sale. The buyer has no right of exchange or return.

No warranty is provided for the property. The property cannot be exchanged or returned. The descriptions in the listing are solely the seller's assessments of the property for sale. Anyone participating in the auction must inspect the property themselves before making a binding bid. By submitting a bid, the bidder accepts the property as-is.

The auction may also be attended in person by submitting a written binding bid to the seller. All bids will be registered as public in the property listing.

According to the property manager's certificate dated 5 October 2026, the maintenance charge is €200.20 per month and the capital charge is €675.25 per month. The total housing company charge is therefore €875.45 per month. The advance water charge is €22 per person per month, and the sauna charge is €20.

For further information, please contact veikko.haimila@kontturi.fi by email or 0400 385 885 by telephone.

Liabilities transferred to the buyer

According to the property manager's certificate dated 5 October 2026, the apartment is subject to a housing company loan share of €99,815.07. As the new owner, the buyer assumes responsibility for the housing company loan share.

According to the property manager's certificate dated 5 October 2026, overdue and unpaid maintenance charges total €16,246.37.

Under Chapter 3, Section 6 of the Housing Companies Act (1599/2009), the new owner of apartment shares is responsible for paying the housing company charge from the transfer of title.

Under Chapter 8, Section 7 of the Housing Companies Act, where the shares pass to a new owner after a decision has been made to take possession of the apartment, the new owner obtains possession of the apartment after paying the company's overdue claims.

The buyer must therefore pay the company a total of €16,246.37 to obtain possession of the apartment.

The buyer must note that, despite payment of the unpaid maintenance charges and the transfer of title and possession, the lease entered into by the housing company for the period of possession may also bind the new owner. The sale of the shares and payment of the unpaid maintenance charges therefore do not terminate the lease.

The buyer must also note that further unpaid maintenance charges and housing company loan shares may arise during the sale process, and that the amount of the housing company loan share and maintenance charge debt transferred to the buyer will be confirmed when the deed of sale is signed. The buyer makes a binding bid aware of this.

Note! The housing company loan share encumbering the property and the housing company's maintenance charge claims are not deducted from or paid out of the purchase price. The purchase price is therefore not a so-called debt-free price. The buyer must pay the housing company's maintenance charge claims directly to the housing company, and the housing company debt share attached to the shares will pass in full to the buyer's responsibility upon completion. The buyer must set their auction bid accordingly. By making a bid, the buyer accepts that claims of the housing company which become the buyer's responsibility under the Housing Companies Act will not be paid from the purchase price, even in part, and that the buyer must pay the purchase price to the seller and, in addition and independently of it, the maintenance charge claims transferred to the buyer's responsibility to the housing company. The buyer has no right whatsoever to recover from the seller any unpaid maintenance charges paid to the housing company or to make any other claims against the seller in connection with them.