A property can be owned as unseparated parcels, such as equally between two parties. Owners of a property owned as unseparated parcels can engage in a mutual agreement on the use and ownership of the property. Such an agreement is called a joint ownership agreement.
A joint ownership agreement may concern a property owned as unseparated parcels, such as an estate or plot, a parcel separated from it and lease or other right. Agreements may include highly detailed terms and conditions regarding jointly used areas, parking spaces, access routes, play areas, the management of areas and the division of costs.
An agreement should be made in writing
A joint ownership agreement does not have any fixed format. However, it should be made in writing and be dated and signed. The agreement must indicate the following:
- Parties to the agreement, and the division of ownership between the parties.
- Whether the agreement is valid for a fixed term or until further notice. If the validity has not been defined, the agreement is deemed to be valid until further notice.
- Information on the property subject to the agreement (property identifier, municipality, the name or number of the village or district, the name and registration number of the estate, or the number of the block and plot).
- Parcel identifier in the case of a parcel.
- The date of the lease agreement and any facility identifier in the case of a leasehold.
The parcel and facility identifiers can be found from the title registration or encumbrance certificate, for example. In addition to a written description of the division of ownership, you can also attach a map, on which the division of ownership is marked and to which the agreement refers.
Registration strengthens agreements
A joint ownership agreement should be registered as a special right to the property in the title and mortgage register because, if the ownership of the property changes, an unregistered joint ownership agreement will not bind the new owner if they were unaware of the agreement when receiving their ownership.
Applying for the registration of a joint ownership agreement
- Collect all necessary attachments and save them in .jpg or .pdf format.
Apply for registration by yourself in the National Land Survey's e-service.
- individual customers in Finnish and in Swedish
- organisational customers in Finnish and in SwedishPalveluun voivat kirjautua organisaation puolesta ne henkilöt, joille on kaupparekisteriin merkitty organisaation nimenkirjoitusoikeus.
- First, select the property that the joint ownership agreement concerns. Select 'Rekisteröi muu oikeus' (Register other right) and then ‘Hae erityisen oikeuden kirjaamista' (Application to register a special right).
- Complete the application and include any possible attachments.
Registration of a joint ownership agreement is paid in the Online service when the application is submitted.
If you cannot use our online services, you can also apply for the registration of a joint ownership agreement with a suomi.fi form (in Finnish).
If you want electronic copies of the documents, enable Suomi.fi messages (in Finnish).
Processing time
For the average processing times for applications and land survey services, see the Application processing times page.