asuntokauppojen

Asuntokauppa refers to the legal and financial process of buying and selling real estate in Finland. This encompasses a wide range of transactions, including the sale of apartments, houses, and land. The process typically involves several key stages, beginning with the initial agreement between the buyer and seller, often mediated by a real estate agent. A preliminary purchase agreement, or esisopimus, is usually drawn up, outlining the terms of the sale, including the price, payment schedule, and closing date. This agreement often requires a deposit, known as a käsiraha, to be paid by the buyer.

The next crucial step involves securing financing, where the buyer arranges a mortgage with a bank. This stage often includes a thorough inspection of the property to identify any potential issues. Once financing is confirmed and inspections are satisfactory, the final purchase agreement, or kauppakirja, is drafted and signed by both parties. This document is legally binding and details all aspects of the transaction. The transfer of ownership and payment of the remaining purchase price occur on the agreed-upon closing date, often at a notary's office or a bank. Registration of the transfer of ownership with the relevant authorities is the final step in completing the asuntokauppa. Regulations surrounding asuntokauppa are governed by Finnish law, ensuring fair and transparent transactions.