Autoasuntokauppa

Autoasuntokauppa refers to a real estate transaction in Finland where the buyer finances a portion of the purchase price with a mortgage loan, but the seller is also involved in providing a secondary form of financing. This can take various forms, such as the seller allowing the buyer to defer a portion of the payment for a set period, or the seller providing a loan directly to the buyer. It is a less common arrangement than a standard mortgage-backed sale and typically arises in specific situations.

This type of transaction might occur when a buyer has difficulty securing the full financing needed from a traditional bank, perhaps due to a smaller down payment or other financial circumstances. Alternatively, a seller might be motivated to offer such terms to facilitate a quicker sale, especially if they have a strong desire to move on from the property. Autoasuntokauppa can provide flexibility for both parties involved, but it also carries inherent risks.

For the buyer, the main advantage is the potential to acquire a property they might otherwise not be able to afford. However, they must be diligent in understanding the terms of the seller's financing, including interest rates, repayment schedules, and any potential penalties. For the seller, the benefit is a potentially faster or more certain sale, but they also take on the risk of the buyer defaulting on the secondary financing. Legal advice is highly recommended for both parties to ensure the agreement is clear, fair, and legally sound.