Consent to the registration of the apartment ownership or pledges

When the seller of an apartment has an electronic registration of their ownership in the Residential and Commercial Property Information System, the buyer needs the seller’s consent to the registration of apartment ownership. 

Consent is also required when the apartment has been given as a gift. Consent is also required for the registration of pledges. In that case, consent will be given by the owner or the new owner whose shareholdings are pledged. 

The seller's consent is required for the registration of apartment ownership of pledge. You can demonstrate consent by attaching to the application

  • a copy of the deed of sale or 
  • written consent with the seller’s contact details (phone number and email address). 

The National Land Survey of Finland ensures the consent from the seller. 

  • written consent can also be given on the application form. 

When the seller is an estate, ask the consent of all the beneficiaries of the estate:  

  • If the details of the estate beneficiaries are in the Residential and Commercial Property Information System, it is enough to attach a deed of sale or written consent to the application. 
  • If there is no beneficiary information in the Residential and Commercial Property Information System, the National Land Survey of Finland checks the beneficiary information of the estate. In that case, in addition to the deed of sale or written consent, attach an estate inventory, extract of family relations and will, if it has been made. 
  • If the beneficiary of the estate has authorised the person to give consent, attach a power of attorney to the application.

Consent for the registration of pledges 

Registration of the pledges of apartment is applied for by the lender (usually the bank). The owner’s consent is required to register the pledge. 

There are two options to demonstrate consent: 

  • the bank attaches to the application a copy of the signed pledge
  • the owner of the apartment signs the application for the registration of pledge

If ownership has not yet been transferred to the new owner, the seller’s consent will also be needed to register the pledge.  

More information on the registration of pledge 
 

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