kiinnitysrekisterin

A kiinnitysrekisteri, often translated as a register of encumbrances or charge register, is a public record maintained in Finland. It documents legal claims or encumbrances placed upon real estate. These encumbrances can include mortgages, easements, rights of tenancy, and other restrictions that affect the ownership or use of a property. The primary purpose of the kiinnitysrekisteri is to provide transparency and legal certainty for property transactions.

When a property is mortgaged, for instance, the mortgage is registered in the kiinnitysrekisteri. This registration makes the mortgage a public record, informing potential buyers or lenders about the existing debt. Similarly, if a right of way is granted over a property, it would be recorded. The register is managed by the National Land Survey of Finland (Maanmittauslaitos).

Anyone can inspect the kiinnitysrekisteri, typically for a fee, to ascertain the encumbrances associated with a particular property. This is a crucial step in the due diligence process when buying or lending against real estate in Finland. The information within the register is legally binding and protects the rights of creditors and other parties who have registered their claims. The system ensures that ownership and any associated liabilities are clearly documented.