kiinnitysrekisteriä

A kiinnitysrekisteri is a public register in Finland that records encumbrances, or security interests, on real estate. These encumbrances are primarily mortgages, known as kiinnitys, which are granted by the property owner to a creditor as security for a loan. When a property is mortgaged, the mortgage is registered in the kiinnitysrekisteri.

The kiinnitysrekisteri is maintained by the National Land Survey of Finland (Maanmittauslaitos). It contains essential information about each registered mortgage, including the amount of the mortgage, the creditor's details, and the specific property to which it applies. This register serves as a crucial tool for transparency and security in real estate transactions, as it allows potential buyers and lenders to ascertain the existing financial burdens on a property.

When a property is sold, any registered mortgages must typically be settled or transferred to the new owner. The kiinnitysrekisteri provides the definitive record of these obligations. It ensures that creditors have legal recourse and that property owners are aware of their financial commitments. The information within the kiinnitysrekisteri is publicly accessible, promoting confidence and facilitating the smooth operation of the Finnish real estate market.