A title involves registering ownership rights to a property in the title and mortgage register. When the ownership to a property, unseparated parcel or designated share changes, the new owner must obtain title to the property.
As a rule, a title must be applied for within six months of signing a document conferring ownership, such as a deed of sale. A title must be obtained within the prescribed period, even if the title deed contains a delay or termination clause stating that the purchase price may be paid or ownership will be transferred at a later date.
- Late submission of a title application may lead to a transfer tax increase.
Registration of title has significant legal consequences:
- The new owner of the property will be registered in the public title and mortgage register. After registration, the ownership information of the real property unit is shown on the certificate of title.
- A title is also a requirement for using the property as debt collateral.
- The parcelling of an unseparated parcel will not commence until title has been granted.
Appendices to the application for registration of title
Appendices to the application for registration of title depend on how the property has been acquired. Original documents will be returned to the applicant.
The following documents must be submitted to the National Land Survey of Finland for a title:
- Application for registration of title
- Original title deed and associated powers of attorney and maps, unless the title deed has been attested by a public purchase witness and concerns a sale, gift or exchange. In case the deed has been attested by a public purchase witness on 20 June 2014 or after this date, you do not have to attach the deed to the application.
- A receipt for the payment of the purchase price in cases where payment is a precondition for the transfer of ownership.
- A receipt for the payment of transfer tax. If the transfer recipient is exempted from paying transfer tax (e.g. first-time home buyer), an account of this must be submitted.
- In cases of inheritance and where the estate is the conveyer, copies of the estate inventory deed and a detailed extract from the population register must be submitted. The need for additional documents depends on the nature of the transfer, its parties and the object in question. Examples of necessary documents are included in the instructions on how to apply for a registration of title (in Finnish). Each application for registration of title and each real property unit carries a separate charge. Please send only unstapled documents to the National Land Survey.
Things to remember when applying for a registration of title
- The following documents should be appended to the application: original title deed (e.g. deed of estate distribution) and other necessary appendices (e.g. power of attorney, receipt of payment of transfer tax, map of the unseparated parcel, receipt of payment of the purchase price). In case the deed has been attested by a public purchase witness on 20 June 2014 or after this date, you do not have to attach the original deed to the application.
- In cases of inheritance and where the estate is the conveyer, copies of the estate inventory deed and a detailed extract from the population register must be submitted.
- You can send the application and appendices to the National Land Survey by post or by e-mail.
How to apply for registration of title
- Complete the application form (in Finnish) and send it including appendices to the National Land Survey.
- Handling time estimate: 3–5 months
- Price list (in Finnish)
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