Seized apartment share (4 rooms + kitchen + sauna) in Nenäinniemi, Jyväskylä

How to submit bids

The property is sold by upward bids in an online auction on www.huutokaupat.com between 7 January 2026 and 28 January 2026. Participation 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 service provider's system functionality. The highest bid is the one that the service provider's system has accepted as highest. The enforcement officer will separately decide whether to accept or reject the highest bid. A decision to accept or reject the highest bid will be made within two working days after the end of the sale or after a statement has been received from the secured creditor.

Bids placed in the online auction are binding. If a bid is accepted, the bidder is obliged to pay the offered purchase price within the agreed payment period. Failure to pay the offered purchase price may lead to buyer's compensation liability under Section 25 of Chapter 5 of the Enforcement Code.

If it is not possible to submit purchase bids through the Huutokaupat.com service, a prospective buyer may submit a written purchase bid to the enforcement authority, which will be attached to the online auction as the maximum bid in accordance with the automatic increment feature. The written bid must be signed and must include the bidder's contact details, the maximum amount of the bid and the Huutokaupat.com item number to which the bid relates.

The written purchase bid is binding and the same conditions apply as to bids in the online auction. The bid must be submitted no later than 26 January 2026 at 12:00 to the Enforcement Authority's Jyväskylä office, Cygnaeuksenkatu 1, 40100 Jyväskylä, or by e-mail to jyvaskyla.realisointi.uo@oikeus.fi.

The enforcement authority reserves the right to end the sale or to extend the sale period.

Deposit

The buyer must immediately pay a deposit equal to 20% of the purchase price to the Enforcement Authority's official escrow account. The deposit cannot be paid by credit card. The Enforcement Authority will contact the highest bidder whose bid has been accepted. The highest bidder must state on whose behalf the bid was made. Otherwise the highest bidder will be considered the buyer.

Payment period

If necessary, payment may be deferred until 25 February 2026. Any payment period must be agreed separately. If a payment period is used, annual interest in accordance with Section 3(2) of the Interest Act will be charged on the entire purchase price for the whole agreed payment period from the date of sale to the end of the payment period.

If no payment period is used, the purchase price must be paid immediately after the acceptance of the bid.

If payment is not made in time, the buyer must pay default interest on the whole purchase price in accordance with Section 4(1) of the Interest Act until the price is paid or a new sale has been completed. The default interest rate is currently 9.50%.

Buyer's personal liability for previous owner's unpaid charges and defaults

The new owner of the share is, together with the previous owner, liable for the previous owner's unpaid housing company charges and the payment referred to in Section 2(2). The new owner's maximum liability is equal to the sum of the housing charges for the month in which ownership transferred and the five months immediately preceding it. However, the new owner is not liable for unpaid charges or payments of the previous owner that are not mentioned in the manager's certificate and that were due before the date of the certificate.

The manager's certificate (14 November 2025) shows unpaid charges with interest of €3,317.32. On 16 December 2025 the manager reported the arrears as €3,478.67. Receivables will be updated before the transfer of ownership. The housing company is responsible for stating the exact amount of the receivables. The buyer is responsible for the housing company's receivables.

Share of the housing company's loans attached to the apartment

In addition to the cash purchase price, the buyer will assume a share of the company's loans of €0 as of 14 November 2025.

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

The buyer must take care of the obligations related to the apartment that fall to them towards the housing company. Bids in the online auction should take these matters into account.

Transfer tax

The buyer is obliged 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, in accordance with the date of transfer of ownership.

Transfer of possession and ownership

The buyer will receive possession of the sale item when the entire purchase price and any obligations transferred to the buyer have been paid. The buyer must not use the property in a way that decreases its value before receiving the deed. The buyer will receive ownership of the sale item upon receipt of the deed. The deed will be handed over when the sale is legally final 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. The buyer must apply for registration of ownership within two months of the date of the deed. The National Land Survey will cancel the paper share certificate when the ownership is registered. The buyer is responsible for the costs of registration.

Other information

The property has been seized and is sold by a free sale conducted by the enforcement officer in compliance, where applicable, with the general auction terms set out in the Enforcement Code. The sales brochure is indicative and is not a comprehensive description of the sale item.

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

Appeals

An enforcement appeal against the sale and actions related to or preceding the sale must be filed within three weeks from the date of the sale. Appeal instructions are attached to the sale decision.