Mandatory appendices
In DIAS real estate transactions, the mandatory appendices always include the certificate of mortgages and encumbrances and the certificate of title. In property leasehold transactions, mandatory appendices include the certificate of leasehold, the certificate of mortgages and encumbrances, the property's certificate of title and certificate of mortgages and encumbrances, and a copy of the lease agreement. In addition to the above, a copy of the joint ownership agreement is a mandatory appendix in DIAS transactions concerning a property or a designated share of a leasehold.
| Transaction type | Mandatory attachments | Dating of attachments |
|---|---|---|
| Sale of real estate |
|
The appendices must be dated on the same date when the transaction is sent to the banks for preparation. |
| Sale of property leasehold |
|
All other appendices except the copy of the lease agreement must be dated on the same date when the transaction is sent to the banks for preparation. |
| Sale of a designated share of real estate |
|
All other appendices except the copy of the joint ownership agreement must be dated on the same date when the transaction is sent to the banks for preparation. |
| Sale of a designated share of a property leasehold |
|
All other appendices except the copy of the lease agreement and the copy of the joint ownership agreement must be dated on the same date when the transaction is sent to the banks for preparation. |
Pay special attention to these
If the sale of a property or property leasehold is suspended and restarted afterwards, we recommend acting in accordance with Hyvä välitystapa (good brokerage practice) and using certificates of the property/leasehold dated on the restart date.
Appendices when a company is a party to the transaction
If a company is the seller or buyer, the real estate agent must add a Trade Register extract to the transaction as a mandatory appendix. The Trade Register extract may not be older than 3 months. The extract must indicate how the company’s right to sign has been determined and who has the right to sign for the company. The information must be shown on the Trade Register extract so that it is possible to verify that the right persons have been marked as the company’s signatories.
If a company is the seller or buyer, the minutes are an optional appendix that the real estate agent adds if necessary. Read more here.
Other appendices
The real estate agent can add other appendices to the transaction at their own discretion. We always recommend finding out the instructions for your own agency chain regarding appendices for DIAS real estate transactions.
All essential terms and conditions necessary for the conclusion of the deed of sale must be included either in the appendices or in the structured deed of sale so that the parties can see them when they are signing the transaction and so that the terms and conditions remain in the document to be signed. The document to be signed always includes a list of the appendices added to the transaction and included in the signing.
The National Land Survey of Finland also provides instructions on the appendices on its own pages. The instructions of the authority can be found here.
According to the National Land Survey of Finland’s instructions, the essential terms and conditions of the transfer, such as delaying/canceling terms and restrictions of possession, must be entered in the electronic deed of sale template. Please note that in addition to the Payment of the Purchase Price term, specifying other terms of payment in DIAS real estate transactions regarding cancellation or delay is not allowed.
Please note that the Property Transaction Service (KVP) allows a maximum of 10 appendices. This includes the mandatory appendices.
Spousal consent
If spousal consent is required to complete the DIAS real estate transaction, the real estate agent fills in the information of the person giving consent in the agency system before the transaction is sent for preparation by the banks. When the transaction is in the signing phase of the deed of sale, the spouse will give their consent directly in the National Land Survey of Finland's Property Transaction Service. No separate appendix from the person giving consent is required.
Technical limitations
All files must be in PDF format.
Restrictions on the uploading of all files:
- File names starting with “Kauppakirja” (“Deed of sale”) are not permitted in DIAS real estate transactions.
- In the file name, letters (excluding ä, ö, å), numbers, underscore (_), period (.), comma (,), hyphen (-) and space ( ) are allowed characters.
- Each appendix must have a unique name.
- The maximum file size is 20 MiB.
The file must not be an encrypted PDF (the file must be accessible without a password).
- The PDF file must not contain any automatic functions (e.g. form buttons). If the PDF file contains automatic functions, we recommend printing the file as another PDF file before sending it to DIAS.