Bankruptcy estate selling a shareholding apartment managed by 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 shares in the housing company 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 must pay the seller fixed compensation of €1,000, but no more than 4% of the purchase price corresponding to the bid.

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

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

Ownership of the shares in the apartment will transfer from the seller to the buyer when the seller and buyer have signed the deed of sale and the buyer has paid the purchase price to the seller. Possession will transfer to the buyer only once they have paid the housing company its overdue maintenance charge receivables in accordance with Chapter 8, Section 7 of the Limited Liability Housing Companies Act. The buyer will pay the purchase price corresponding to the accepted bid to the seller at the deed-signing appointment. Asianajotoimisto Kontturi & Co Oy and the buyer will agree the time of signing the deed of sale separately.

The property is sold in the condition and with the equipment in which it is described in the listing and exists 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 in its present condition.

Bids must be submitted by the time specified by the seller. The highest bid is the one that the seller has accepted as the highest. Asianajotoimisto Kontturi & Co Oy is not responsible for the huutokaupat.com system operating without errors.

According to the property manager's certificate dated 5 October 2026, the maintenance charge is €200.20 per month and the capital charge is €666.00 per month. The total housing company charge is therefore €866.20 per month. Water advance payment: €22/person/month; sauna fee: €20.

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

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 €98,447.74. As the new owner, the buyer assumes responsibility for this housing company loan share.

According to the property manager's certificate dated 5 October 2026, overdue and unpaid maintenance charges total €16,446.39.

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

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

The buyer must therefore pay the company a total of €16,449.39 to obtain possession of the apartment.

The buyer must note that, despite payment of the unpaid maintenance charges and the transfer of ownership and possession, a tenancy agreement 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 tenancy agreement.

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

Note! The housing company loan share encumbering the property for sale and the housing company's maintenance charge receivables 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 receivables directly to the housing company, and the housing company loan share relating to the shares will transfer in full to the buyer's responsibility upon completion of the transaction. The buyer must set their auction bid with these matters in mind. By making a bid, the buyer accepts that receivables of the housing company for which the buyer becomes liable under the Limited Liability Housing Companies Act will not be paid, even in part, from the purchase price; instead, the buyer must pay the purchase price to the seller and, in addition and independently of it, pay the housing company the receivables transferred to the buyer's responsibility. 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.