Utsökningsbalk

The sale of seized real estate or movable property may be postponed if the debtor shows it is credible that the claim will be paid to the bailiff within a reasonable time under a payment plan or payment agreement.

The enforcement officer may allow the debtor to replace seized property with other property or take a similar action, if the action is appropriate and does not obviously endanger creditors’ recovery.

A seized or other security measure does not block distraint; if the security measure protects a third party’s ownership, the property may be sold only after the enforcement of that decision is revoked or lapses.

Ulosottomies voi tarvittaessa tehdä turvaavan ulosmittauksen maksusuunnitelman varmistamiseksi, ja hakijan pyynnöstä myös maksusopimuksen varmistamiseksi, jos palkkaa ei ulosmitata.

Jos palkka ulosmitataan muusta saatavasta maksusopimuksen tekemisen jälkeen, sopimusta ei noudateta tämän saatavan perimisen aikana. Ulosottomies voi sopijapuolen pyynnöstä päättää, ettei sopimusta enää noudateta tietyissä tilanteissa.

A natural person carrying on a business keeps five-sixths of recurrent business income from garnishment, with room to keep more or less in specified situations.

If inventory has been distrained, the enforcement officer may allow the debtor to sell items from it in the ordinary course of business unless creditors’ recovery would clearly be jeopardized.

Panttioikeus tai muu vakuus ei estä omaisuuden ulosmittausta, ja velkojan on annettava hallussaan oleva ulosmitattu omaisuus heti ulosottomiehelle.

The sale of seized real estate or movable property may be delayed if the debtor makes it credible that the claim will be paid to the enforcement officer within a reasonable time under a payment plan or agreement.

Ulosottomies may, when needed, carry out protective distraint to secure a payment plan, and at the applicant’s request also to secure a payment agreement when wages are not distrained.

Ulosmittauksen määrää voidaan rajoittaa tietyissä elinkeinotuloa koskevissa tilanteissa, jos velallinen voi jatkaa liiketoimintaa eikä menettely ole olennaisesti hakijan edun vastainen.

The debtor may use certain seized property in limited ways, unless the enforcement officer orders otherwise.

Palkan ulosmittauksessa ulosmitattava määrä lasketaan velallisen tulopohjasta, johon kuuluu palkkoja, luontoisetuja sekä tiettyjä eläkkeitä ja muita toimeentuloetuuksia.

A self-employed natural person debtor must be left 5/6 of recurring business income unseized, with possible adjustments up or down in specified situations.

The sale of seized real estate or movable property may be postponed if the debtor makes it credible that the claim will be paid to the enforcement officer within a reasonable time under a payment plan or payment agreement.

If a natural person has both business income and wage income, the attachment rules are applied according to which income is higher on average.

Attached property may also be attached for another claimant’s debt until the parties’ hearing or, if no hearing is held, until the sale is completed.

Fringe benefits are valued at the local general market price, and in some cases the enforcement officer may issue a payment prohibition to the employer.

Ulosmittauksen määrää voidaan rajoittaa tietyissä elinkeinotuloa koskevissa tilanteissa, jos velallinen voi jatkaa elinkeino- tai liiketoimintaa eikä menettely ole olennaisesti hakijan edun vastainen.

Elinkeinoa harjoittavan luonnollisen henkilön toistuvasta elinkeinotulosta jätetään yleensä ulosmittaamatta viisi kuudesosaa.

The enforcement officer may tell the recipient to pay a due attached claim, unless the claim is disputed or unclear.

A completed seizure or other security measure does not prevent distraint. If the security measure protects a third party’s ownership, the property may be sold only after the enforcement of that security measure has been cancelled or has lapsed.

Ulosottomies voi arvioida velallisen kohtuullisen työpalkan määrän tietyissä ulosmittauksen välttämistilanteissa.

If a natural person has both business income and wage income, the garnishment rules are applied according to which income is higher on average.

The amount seized from certain business income may be limited if the debtor can keep operating and the procedure is not essentially against the applicant's interests.

If the recipient of a payment ban does not comply with a duly notified ban covering wages or recurring business income, the enforcement officer may seize the unpaid amount. The recipient must also be heard before a decision on payment liability is made, and the decision must be served in the prescribed way.

A creditor holding seized property under a pledge must hand it over immediately to the enforcement officer. A pledge, security right, usufruct, or other special right does not stop seizure.

In periodic wage garnishment, the debtor has a protected daily amount: 19.90 euros for the debtor and 7.15 euros per day for a dependent spouse, own child, or spouse’s child.

An enforcement officer may demand payment of an overdue distrained claim from the recipient of a payment prohibition, unless the claim is disputed or unclear.

Jos luonnollisella henkilöllä on elinkeinotulon lisäksi palkkatuloa, ulosmittausta koskevia säännöksiä sovelletaan sen mukaan, kumpi tulo on keskimäärin suurempi.

A seized right to receive income or benefit under a contract for an indefinite period may not be sold; the enforcement officer collects the income or benefit.

For wage garnishment, the income base includes wages, fringe benefits, pensions, and similar livelihood benefits, and certain deductions are taken from that base.

Certain salary amounts are left out of wage garnishment, and the Government may issue more detailed rules for a progressive scale in some cases.

If the payment prohibition recipient does not comply with a duly served payment prohibition covering wages or recurring business income, the enforcement officer may seize the unpaid amount from that person.

The enforcement officer may tell the recipient of a garnished debt to pay it, unless the debt is disputed or unclear. A garnished debt may also be sold if that is justified by late maturity or another reason.

This section says seizure may cover a possible insurance payment and the surrender value of a life or pension insurance contract.

The value of benefits in kind is based on the locally prevailing market price. In certain wage-enforcement situations, the enforcement officer may issue a payment ban to the employer, unless the debtor shows the benefits are necessary for livelihood or otherwise clearly justified, and the officer must hear the debtor and employer first.

For non-periodic wages, two thirds of each pay installment are left unseized. If the debtor’s pay is likely to average the amount referred to in section 49(1)(3) during the year, the garnishment is carried out under that rule, and the debtor must be heard.

Ulosottomies kantaa ulosmitatun sopimusperusteisen, toistaiseksi jatkuvan tulon tai edun; jos se on välttämätöntä velallisen ja hänen elatuksensa varassa olevien perheenjäsenten toimeentulolle, velalliselle on jätettävä kohtuullinen osa käyttöön.

If the payment-ban recipient does not comply with a duly served payment ban, the enforcement officer may seize the unpaid amount; the recipient must also be heard before a decision on payment liability, and the decision must be served in the prescribed way.

A debtor’s share in co-owned real estate or movable property may be seized, and other co-owners must be notified.

Ulosottomies voi arvioida velallisen kohtuullisen työpalkan määrän tietyissä ulosmittauksen välttämistilanteissa, mutta ennen arviointia hänen on kuultava velallista ja työnantajaa.

If a debtor’s earning capacity has substantially weakened, the garnished amount may be reduced. In job-start cases, a debtor may also get a postponement of wage garnishment if the stated benefit-period and other conditions are met.

Seizure of rights under a life or pension insurance contract covers possible insurance compensation and surrender value.

An attached contractual right to receive income or a benefit for an indefinite period may not be sold; the bailiff collects the income or benefit, and the debtor must be left a reasonable amount if needed for basic support.

The enforcement officer must separate the debtor’s attached share from the property, and may seek partition, start another division procedure, or sell the share if separation or division is not possible or would be too costly or reduce value significantly.

In wage garnishment, the debtor keeps a protected daily amount: 19.90 euros for themself and 7.15 euros per day for a spouse or child they support. The amount is adjusted annually by the Ministry of Justice.

Palkan ulosmittaus on keskeytettävä määräajaksi (vapaakuukaudet), kun sitä on jatkunut lähes tai täysin vuoden ja jokin laissa mainituista perusteista täyttyy.

A debtor’s share in jointly owned real estate or movable property may be distrained, and other co-owners must be notified.

This section says attachment of a life or endowment insurance right applies to possible insurance compensation and surrender value, the payment ban lasts three years at a time, and attachment does not prevent the debtor from taking a paid-up policy.

Jointly owned property may be seized only in the stated situations, and jointly owned real estate may not be seized if a possession-division agreement has been registered.

Part of wages is exempt from garnishment, with the exempt amount depending on the wage level and protected portion.

Velalliselle annetaan vuosittain kaksi vapaakuukautta tulorajaulosmittauksessa. Muilla perusteilla vapaakuukausia voidaan antaa velallisen pyynnöstä enintään kolme vuodessa, ja hakijan suostumuksella enintään kuusi vuodessa ilman että hakemus raukeaa.

Ulosottomies must separate the debtor’s seizable share from the property, may seek partition or another division process if separation is not possible, and may sell the debtor’s share if separation or division is impossible or too costly.

A debtor’s proportional share in co-owned real estate or movable property may be distrained, and other co-owners must be notified.

Section 73 also applies, as appropriate, to certain securities-based common rights covered by the Co-Ownership Act.

Muusta kuin määräajoin maksettavasta palkasta jätetään ulosmittaamatta kaksi kolmasosaa palkkaerästä. Jos palkka todennäköisesti vastaa tiettyä 49 §:n 1 momentin 3 kohdan mukaista tasoa, ulosmittaus tehdään sen kohdan mukaan, ja velallista on kuultava.

Elatusapuun liittyvästä palkan ulosmittauksesta voidaan tietyissä tilanteissa ulosmitata tavanomaista enemmän, mutta velalliselle on aina jätettävä vähintään kolmasosa palkasta.

A jointly owned asset may be seized only if the statutory conditions are met, and jointly owned real property cannot be seized if a registered management-division agreement exists.

The bailiff must separate the debtor’s attached share from the property; if that cannot be done, the bailiff may seek partition or another division process, and may sell the debtor’s share in certain cases.

Before actions under sections 72 or 73, the enforcement officer must hear the debtor and co-owners.

If the debtor’s ability to pay has materially weakened for the reasons listed, wages are garnished in a smaller-than-normal amount for a temporary period or a specified period.

Two-thirds of each installment of certain compensation paid to a natural person is exempt from garnishment, unless otherwise provided.

Section 74 says that the rules in section 73 also apply, as appropriate, to a securities-based common right covered by the cited co-ownership law.

Yhteisesti omistettu kiinteistö tai irtain esine voidaan ulosmitata tietyin edellytyksin, ja kiinteistöä ei saa ulosmitata, jos hallinnan jakamisesta on kirjattu sopimus.

If a deceased person's debt has been attached, the property may not be sold until the stated waiting period has passed or the debt-payment arrangement/decision has been made; there are exceptions for a lien, estate consent, or rapid depreciation/high upkeep costs.

Jos velallisen maksukyky on olennaisesti heikentynyt, palkasta voidaan ulosmitata tavallista pienempi määrä. Työllistymisen vuoksi ulosmittausta voidaan myös lykätä tietyin edellytyksin.

A payment prohibition in wage garnishment must state how the collectible amount is calculated, and the recipient must pay the amount to the enforcement officer.

Before actions under sections 72 or 73, the enforcement officer must hear the debtor and co-owners.

Section 74 says the rules in section 73 also apply, as appropriate, to a joint right based on securities.

A deceased person’s estate share may be seized for an heir’s debt, and the estate’s shareholders and administrators must not hand over property due in the partition to anyone other than the enforcement officer.

Palkan ulosmittaus on keskeytettävä määräajaksi eli annettava vapaakuukausia, kun ulosmittaus on jatkunut lähes vuoden ja jokin laissa mainituista perusteista täyttyy. Covid-19:ään liittyvä väliaikainen maksuvaikeus voi oikeuttaa vapaakuukausiin myös alle vuoden ulosmittauksen jälkeen.

Maksukielto stays in force until the enforcement officer ends it in writing, and the officer must issue a new ban if the underlying circumstances change.

Jos vainajan velasta on toimitettu ulosmittaus, omaisuutta ei saa myydä ennen määrätyn ajan tai ehtojen täyttymistä, ellei jokin säädetty poikkeus sovellu.

Before measures under sections 72 or 73, the enforcement officer must hear the debtor and co-owners.

After notice of a payment prohibition, estate property may not be transferred or otherwise disposed of without the enforcement officer’s permission.

If wage garnishment has continued for about a year, it must be paused for a period in certain cases.

Palkan maksajan on jokaisessa maksukaudessa pidätettävä palkka maksukiellon mukaisesti ja maksettava määrä ulosottomiehelle.

Kuolinpesän osakkaat ja hallinto eivät saa luovuttaa velalliselle perinnönjaossa tulevaa omaisuutta kenellekään muulle kuin ulosottomiehelle, kun kuolinpesälle on annettu kirjallinen maksukielto.

Vainajan velkaan liittyvää ulosmitattua omaisuutta ei saa myydä ennen määräaikaa, ellei jokin lain mukainen poikkeus sovellu.

Ulosmitattua kuolinpesän osuutta ei saa myydä, ja velallisen perinnönjaossa saamaa omaisuutta voidaan myydä vasta, kun jako on lopullinen.

Velallisella on oikeus saada vapaakuukausia, ja tietyissä tilanteissa niitä voidaan antaa enintään 2, 3 tai 6 vuodessa.

Ulosottomies may approve a written payment plan instead of wage garnishment if the debtor shows it will be paid as agreed, must request yearly income-and-benefit information, and may end the plan and garnish wages if the debtor fails without acceptable reason in a non-minor way.

After notice of a payment prohibition, estate property may not be transferred or otherwise disposed of without the enforcement officer’s permission.

Kuolinpesän osakkaat ja hallinto eivät saa luovuttaa velalliselle perinnönjaossa tulevaa omaisuutta muulle kuin ulosottomiehelle, kun kuolinpesälle on annettu kirjallinen maksukielto.

A debtor’s right based on a special bequest may be attached; a payment prohibition is issued to the person who must perform the bequest.

When wages are garnished for maintenance support, the debtor must always be left at least one third of wages, and protected income may not be garnished.

The enforcement officer may use a written payment agreement to garnish wages, or allow the debtor to make the agreed payments instead, if the agreement can be carried out in enforcement proceedings and is not unreasonable.

Ulosottomies voi tarvittaessa hakea pesänselvittäjän ja pesänjakajan määräämistä; muualla säädetään kertyneiden varojen tilityksestä ja perinnönjaon moittimisesta.

The bailiff must grant permission for certain acts involving estate property after notice of a payment prohibition, unless the act would endanger the applicant’s recovery.

Velallisen perintö- tai testamenttioikeutta ei saa ulosmitata, jos hän osoittaa tietyt luopumistoimet. Jos luopumisilmoitus talletetaan, velallisen on ilmoitettava siitä viipymättä pesän osakkaille ja hallinnolle.

A natural person receiving compensation for transferring or using a patent right, copyright, or similar right has two thirds of each payment installment left unseized, unless otherwise provided.

Jos palkka ulosmitataan maksusopimuksen tekemisen jälkeen, sopimusta ei noudateta tämän saatavan perimisen aikana. Ulosottomies voi myös pyynnöstä päättää, ettei sopimusta enää noudateta tietyillä perusteilla.

A debtor’s right based on a special legacy may be distrained, and a payment prohibition is issued to the person who must perform the legacy.

Ulosmitattua kuolinpesän osuutta ei saa myydä, ja velalliselle tulevaa omaisuutta saa myydä vasta, kun jako on lainvoimainen tai muuten lopullinen.

If a deceased person’s debt has been enforced or a debtor’s share in an estate has been seized, the estate parties and administration must give the enforcement officer the requested information and documents. The enforcement officer and the applicant may attend the division of the estate, and the enforcement officer must notify the applicant about it.

The recipient of a payment prohibition must pay the amount to the enforcement officer and, on request, provide their service address.

Ulosottomies voi tarvittaessa tehdä turvaavan ulosmittauksen maksusuunnitelman tai, hakijan pyynnöstä ja kun palkkaa ei ulosmitata, maksusopimuksen varmistamiseksi.

A debtor’s right to inheritance or a testament generally cannot be attached if the debtor proves one of the listed renunciation situations, and the debtor must notify the heirs and estate administration without delay after the renunciation notice is deposited.

A debtor’s right based on a special bequest may be seized, and a payment ban is issued to the person who must fulfill the bequest.

A payment to the enforcement officer is treated as made on the date specified by the payment method used.

A payment prohibition stays in force until the enforcement officer ends it in writing, and the officer must update it if the underlying circumstances change.

The sale of attached real estate or movables may be postponed if the debtor makes it credible that the claim will be paid to the enforcement officer within a reasonable time under a payment plan or agreement.

Kun vainajan velkaa tai kuolinpesän osuutta on ulosmitattu, pesän osakkaiden ja hallinnon on pyydettäessä annettava ulosottomiehelle tiedot ja asiakirjat. Ulosottomiehellä ja hakijalla on oikeus olla läsnä perinnönjaossa, ja ulosottomiehen on ilmoitettava jaosta hakijalle.

A debtor’s right to an inheritance or testament cannot be attached if the debtor proves a valid renunciation, and the debtor must promptly notify the heirs and administration when a renunciation notice is deposited.

Ulosmitattu omaisuus on myytävä tässä luvussa säädetyssä järjestyksessä ulosottomiehen toimittamalla julkisella huutokaupalla tai muulla sallitulla tavalla.

Palkan maksajan on joka maksukaudella heti ja ilman eri korvausta pidätettävä palkka maksukiellon mukaisesti ja maksettava määrä ulosottomiehelle. Ulosottomies voi myös neuvoa palkan maksajaa maksukiellon noudattamisessa.

A natural person carrying on a business keeps five-sixths of recurring business income from distraint, with possible upward or downward adjustment in some cases.

This section says when a payment to the enforcement officer is treated as paid.

If a deceased person’s debt has been attached or an heir’s share of the estate has been seized, the estate’s heirs and administration must give the enforcement officer the requested information and documents. The enforcement officer and the applicant may be present at the estate division, and the enforcement officer must notify the applicant of the division.

Ulosottomiehen on pyrittävä saavuttamaan myynnissä hyvä tulos ja otettava myyntitapaa valitessaan huomioon kauppahinta, myyntikustannukset ja aika.

Ulosottomies may approve a written payment plan instead of wage garnishment if the debtor makes it credible that the plan will be paid; the officer must also request an annual statement of income and benefits.

Distraint of certain business income may be limited if the debtor can keep operating and the procedure is not substantially against the applicant’s interests.

Seized property must be sold under this chapter’s order by public auction or another permitted method, carried out by the enforcement officer.

This section says when a payment to the enforcement officer is treated as paid.

The buyer gets ownership and the right to dispose of auctioned property once the price is paid, or when the deed is received if a deed must be made.

The enforcement officer may use a written payment agreement to garnish wages if the agreement can be carried out in enforcement proceedings and is not unreasonable.

If a natural person has both business income and wage income, the garnishment rules are applied based on which income is higher on average.

Ulosottomiehen pitää tavoitella myynnissä hyvää tulosta ja ottaa myyntitapaa valitessaan huomioon kauppahinta, kustannukset ja aika.

Seized property must be sold in the order set out in this chapter, by public auction conducted by an enforcement officer or by another method such as commission sale or retail sale.

The buyer may take possession after paying the price, but if a deed is required the buyer must not use the property in a way that reduces its value before receiving the deed.

The enforcement officer may stop following a payment agreement at a party’s request if the other party has materially breached it, wage garnishment makes continued performance unjustified, or there is another justified reason.

Ulosottomies may issue a demand to pay an overdue seized claim, unless the claim is disputed or unclear.

The buyer gets ownership and the right to dispose of auctioned property once the price is paid, or when the deed is received if a deed is required.

The enforcement officer must aim for a good result in the sale and consider the expected price, sale costs, and time needed when choosing the sales method.

The enforcement officer must give the buyer necessary official assistance to take possession of the property and, if needed, evict the debtor from sold premises after the buyer has paid.

Bailiff may, if needed, use protective distraint to secure a payment plan, and at the applicant’s request also to secure a payment agreement when wages are not distrained.

If a served payment ban is not followed, the enforcement officer may garnish the unpaid amount from the recipient, if the payment duty is clear.

The buyer may take possession after paying the purchase price, but must not use the property in a way that reduces its value before the deed is received when a deed is required. The enforcement officer must keep the property until the buyer can take it, may sell it for the buyer’s account if it is not collected in reasonable time and storage costs are unpaid, and the buyer may inspect the property first.

The buyer gets ownership and the right to dispose of auctioned property once the purchase price is paid, or if a deed is required, once the deed has been received.

Buyer is generally not responsible for claims and rights unless the buyer agreed to take them over or they were notified as staying in force or transferring to the buyer. A tenant agreement not kept in the sale must be separately terminated or rescinded, and the buyer may get official assistance if this is proven.

The sale of seized real property or movable property may be postponed if the debtor credibly shows they will pay the claimant’s receivable to the enforcement officer within a reasonable time under a payment plan or payment agreement.

A seized contractual right to income or other benefit for an indefinite period cannot be sold; the enforcement officer collects the income or benefit.

The bailiff must give the buyer necessary official assistance to take possession of the property, and must evict the debtor from sold premises on the buyer’s request if the buyer has paid the price and the debtor still uses the premises.

Buyer may take possession after paying the price; before receiving a required deed, the buyer must not use the property in a way that reduces its value.

Ulosottomiehen on ennen myyntiä ilmoitettava ostajaehdokkaille tietyistä maksulaiminlyönneistä, eristä sekä selville saatujen sähkö- tai vastaavien palvelujen edellyttämien saatavien ja maksujen määrästä.

A natural person running a business keeps five-sixths of recurring business income outside seizure, with possible adjustment up or down in specified cases.

Garnishment may cover possible insurance compensation and the surrender value of a life or pension insurance contract; the payment ban lasts three years at a time, and garnishment does not stop the debtor from taking a paid-up policy.

The buyer is generally not responsible for claims and rights unless the buyer agreed to assume them or they were notified as continuing or transferring. A lease that was not retained in the sale must be terminated or rescinded in the prescribed way if the buyer wants to be released, and the buyer then has a right to official assistance.

Ulosottomiehen on pyynnöstä annettava ostajalle tarpeellista virka-apua omaisuuden haltuun saamiseksi, ja hän voi määrätä häätötoimenpiteen tietyissä tilanteissa.

After ownership has passed under section 3, a buyer generally cannot be challenged with a better-right claim to the sold property, unless the buyer knew of a third party’s ownership.

A self-employed natural person debtor keeps five sixths of recurring business income from garnishment, with possible adjustment up or down in specified situations.

A debtor’s share in co-owned real estate or movable property may be seized, and other co-owners must be notified.

Ulosottomiehen on ennen myyntiä ilmoitettava ostajaehdokkaille tietyistä maksulaiminlyönneistä, eristä sekä selvillä olevien saatavien ja maksujen määristä.

Buyer is generally not liable for claims and rights except those the buyer agreed to assume or that were stated to remain in force or transfer to the buyer.

Certain creditors, rights holders, owners, and buyers may claim damages from state funds if they lose a right or suffer loss under the listed sections, unless they failed to act promptly or protect their right in the party discussion.

Seizure of certain business income may be limited if that lets the debtor keep operating and the measure is not substantially against the applicant’s interest.

Ulosottomiehen on erotettava velalliselle kuuluva ulosmitattu osuus omaisuudesta.

A claim to a better right against the buyer cannot be made after ownership has passed, unless the buyer knew a third party owned the property.

Ulosottomiehen on ennen myyntiä kerrottava ostajaehdokkaille tietyistä maksulaiminlyönneistä, eristä sekä selvitettyjen saatavien ja maksujen määristä.

The debtor must, when asked, tell the enforcement officer about rights, claims, and better-right assertions affecting property to be sold, and provide essential information about the property’s characteristics and use-related factors.

Jos henkilöllä on sekä elinkeinotuloa että palkkatuloa, ulosmittauksessa sovelletaan sen tulon säännöksiä, jota on keskimäärin enemmän.

A co-owned property or movable item may be seized in enforcement in certain cases, and a co-owned real estate cannot be seized if an agreement on division of possession has been registered.

Tietyillä oikeudenhaltijoilla on oikeus saada vahingonkorvausta valtion varoista, jos he menettävät oikeutensa tai kärsivät vahinkoa 6 §:n, 7 §:n 1 momentin tai 8 §:n perusteella.

Anyone may not assert a better right to sold property against the buyer after ownership has passed, unless the buyer knew a third party owned it.

Ulosmitattu omaisuus myydään lähtökohtaisesti sellaisena kuin se on. Kiinteistössä tai arvokkaassa irtaimessa omaisuudessa voi silti olla virhe, jos annetut tiedot ovat olennaisesti virheellisiä, olennaisia tietoja on jätetty kertomatta tai omaisuus on odotettua huonommassa kunnossa.

The enforcement officer may demand payment of an overdue enforced claim, unless the claim is disputed or unclear. An enforced claim may be sold if its late maturity or another reason makes sale justified.

Section 74 says that the rules in Section 73 also apply, as appropriate, to a securities-based joint right mentioned in the 1958 joint ownership law.

Velallisen on kysyttäessä ilmoitettava ulosottomiehelle myytävään omaisuuteen kohdistuvat oikeudet ja annettava olennaiset tiedot omaisuudesta.

Tietyillä oikeudenhaltijoilla on oikeus vahingonkorvaukseen valtion varoista, jos he ovat menettäneet oikeutensa tai kärsineet vahinkoa tässä pykälässä tarkoitetuissa tilanteissa; valtio voi periä maksamansa määrän vahingon aiheuttajalta.

Buyer may demand a price reduction or cancellation of the sale because of a defect, by appealing in the procedure set out in chapter 11.

If a payee does not comply with a duly served payment prohibition covering wages or recurring business income, the enforcement officer may garnish the unpaid amount. The payee must be heard before a decision on liability, and the decision must be served in the manner set out elsewhere in the code.

The enforcement officer must hear the debtor and co-owners before actions referred to in sections 72 or 73, and partially owned property is treated, as applicable, like the debtor’s position for the other co-owner.

Ulosmitattu omaisuus myydään sellaisena kuin se on, mutta myydyssä kiinteistössä tai arvokkaassa irtaimessa omaisuudessa voi olla virhe tietyissä tieto- tai kuntopoikkeamatilanteissa.

On request, the debtor must tell the enforcement officer about rights, receivables, competing claims, and other important characteristics of property to be sold.

Some separately attached parts must be sold separately, and real property components/accessories may be sold separately under the chapter’s rules. If a complaint or dispute concerns a possible component or accessory, the enforcement officer may still sell the rest of the item when the disputed part is only minor.

A seized contractual right to income or benefit for an indefinite period may not be sold; the bailiff carries the income or benefit instead.

If the deceased person's debt has been attached, the property generally cannot be sold until the stated waiting period or settlement steps are completed, unless one of the listed exceptions applies.

The buyer may demand a price reduction or cancel the sale because of a defect, and the defect issue may be taken to court as an enforcement dispute.

Seized property is generally sold “as is,” but a defect exists if the item materially differs from pre-sale information, key information was omitted, or the property is in much worse condition than the buyer could reasonably expect.

Myyntipäivän jälkeen kertyvä vuokra ja muu tuotto kuuluu ostajalle, ja ennen myyntiä tai ulosmittausta korjatun sadon myyntiä koskee erityissääntö.

Ulosmittaus voi kohdistua henki- tai eläkevakuutuksen mahdolliseen korvaukseen ja takaisinostoarvoon; maksukielto on voimassa kolme vuotta kerrallaan, eikä ulosmittaus estä velallista ottamasta vapaakirjaa.

A decedent’s estate share may be seized for an heir’s debt, and the estate must be given a written payment ban.

Certain seized parts must be sold separately, and a real property’s substances and accessories may be sold separately under the rules in Chapter 65.

Buyer may request a price reduction or rescission for a defect, and the defect issue may be brought to court.

Ulosottomiehen on ennen myyntiä tarkastettava kiinteistön tai arvokkaan irtaimen omaisuuden kunto ja selvitettävä sen käypä arvo, jos mahdollista; hallussapitäjän on sallittava tarkastus ja arviointi.

A debtor’s share in fractionally co-owned real estate or movable property may be seized, and the other co-owners must be notified.

After notice of a payment prohibition, estate property may not be transferred or otherwise disposed of without the bailiff’s permission.

After a sale, rent and other income that falls due belong to the buyer.

Certain seized parts must be sold separately, and a bailiff may sell the rest of an item if only a minor part is disputed.

Auction sale notices must be published in local newspapers, and the auction cancellation must be announced promptly in the same way if possible.

The enforcement officer must separate the debtor’s attached share from the property, may seek partition or another division process if that is not possible, and may sell the share if separation or division cannot be done or would be too costly or reduce value too much.

Seized inheritance property may not be sold, and the enforcement officer may seek appointment of an estate administrator and partition executor if needed.

If real estate or valuable movable property is being sold, the enforcement officer must inspect its condition before sale and, if possible, determine its market value. The person in possession must allow the inspection and valuation. The officer may also arrange repairs without the parties’ consent if the cost and delay are minor.

After a sale, rent and other yield that accrues later belongs to the buyer. The buyer may keep the yield against security until taking possession, or ask the enforcement officer to keep it for them.

The sales notice must be published one week before the auction, unless a different notice period is justified.

Jointly owned property may be seized in some cases, but not if a registered possession-division agreement exists for jointly owned real estate.

A debtor’s right based on a special bequest may be seized. A payment ban is issued to the person who must fulfill the bequest.

Auction sale notices must be published in one or more locally circulated newspapers; in some cases they may also be published nationally, elsewhere, or online.

Before selling real property or valuable movable property, the bailiff must inspect its condition and, if possible, determine its fair value.

The sale notice must describe the item for sale clearly enough and state that the property has been seized.

Section 74 says that the rules in section 73 also apply, as appropriate, to a security-based common right referred to in the Act on certain co-ownership relations.

A debtor’s right to an inheritance or a will cannot be garnished if the debtor proves a qualifying disclaimer or filing, and the debtor must promptly notify heirs and estate administration when a disclaimer is deposited.

The sales notice must be published one week before the auction, unless a different notice period is appropriate. A supplementary notice may be published if needed. If a party discussion is held, the sales notice is published after it.

Auction sale notices must be published in local newspapers, and the auction must also be separately notified to the debtor and co-owner.

If a sale notice was published incorrectly or not as required, the enforcement officer must arrange a new notice; the auction may be annulled if the publishing error may have materially affected the sale result.

Before certain actions under sections 72 or 73, the enforcement officer must hear the debtor and co-owners.

Pesän osakkaat ja hallinto must provide the requested estate information and documents to the enforcement officer in certain seizure situations; the enforcement officer and the applicant may be present at the division of the estate, and the enforcement officer must notify the applicant of the division.

Myynti-ilmoituksessa on kuvattava myyntikohde riittävän tarkasti ja mainittava, että omaisuus on ulosmitattu. Asianosaistietoja ei saa julkaista.

Myynti-ilmoitus on julkaistava yleensä viikkoa ennen huutokauppaa, ellei lyhyempi tai pidempi aika ole perusteltu.